Stamp Duty & Registration Calculator
Stamp duty and registration charges can add 5–10% to your property cost — a significant hidden expense that many buyers overlook. This calculator covers rates for all major Indian states, including female/joint ownership concessions (where applicable). Know the exact charges before signing.
Frequently Asked Questions
What is stamp duty and why is it paid?+
Stamp duty is a state tax on property transactions, paid to make the sale agreement legally valid and enforceable. Without stamp duty payment and registration, the buyer has no legal protection. It is paid at the sub-registrar's office at the time of registration, typically via demand draft or online e-stamp.
Do women get lower stamp duty in India?+
Yes, several states offer rebates for female buyers: Delhi (4% for women vs 6% for men), Rajasthan (5% vs 6%), UP (6% vs 7%), Punjab (5% vs 7%), Haryana (5% vs 7%). The incentive encourages property ownership by women. Some states also allow lower rates for affordable housing under PMAY.
Is stamp duty deductible under income tax?+
Yes — stamp duty and registration charges paid for a self-occupied residential property are deductible under Section 80C (up to ₹1.5 lakh total limit). This deduction is available in the year of payment, not over multiple years. Applicable only under the Old Tax Regime.
When is stamp duty calculated — on agreement value or circle rate?+
Stamp duty is charged on the higher of: (1) the actual agreement/sale value, or (2) the government's ready reckoner rate (circle rate / guideline value). If market value is below circle rate, you must pay stamp duty on the circle rate. This prevents undervaluation fraud.