How is stamp duty calculated in India?

Stamp duty is a state tax charged as a percentage of the property's value — specifically the higher of the agreement value and the government circle rate. Registration charges, usually around 1 percent, are added on top. Rates differ by state and often by the buyer's gender.

Do women pay less stamp duty in India?

In many states, yes. States such as Delhi, Punjab, Haryana, Maharashtra and others offer a 1 to 3 percent lower stamp duty rate when the property is registered in a woman's name, though conditions vary.

Is stamp duty calculated on the agreement value or circle rate?

On whichever is higher. If the circle rate (guideline value) for the locality exceeds the agreement price, stamp duty is charged on the circle rate.

Stamp Duty & Registration Calculator (India)

How stamp duty works

Stamp duty is the tax that makes your sale deed legally valid; registration is the fee to record it at the sub-registrar's office. Both are charged on the registration value — the higher of the price you agreed and the government's circle rate (also called guideline value, ready-reckoner or jantri rate) for that locality.

Stamp duty = registration value × state rate. Registration = registration value × registration rate (capped in some states). Many states give women a 1–3% lower rate, and some cities add a metro cess.

The rates here are indicative for standard residential sale deeds as of mid-2026. State governments revise them, and special bands apply for affordable housing, rural areas and gift deeds — so always confirm the exact figure on your state's IGR / Stamps & Registration portal before you register. Once you know this cost, fold it into your overall budget with the affordability calculator and size your loan with the EMI calculator.

Frequently asked questions

How much is stamp duty in my state?

Select your state above to see the current indicative rate. Across India it typically ranges from about 4% to 8%, plus roughly 1% registration.

Do women really pay less?

In many states a property registered solely in a woman's name attracts a 1–3% lower rate. Joint ownership with a male co-owner usually gets the standard rate. Switch the buyer option to see the difference.

Can I claim stamp duty in tax?

Under the old tax regime, stamp duty and registration on a residential purchase can be claimed within the overall ₹1.5 lakh Section 80C limit, in the year paid. Confirm with a tax professional.

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Frequently asked questions