Property Cost
Stamp duty and registration calculator India
Estimate the extra cash needed over and above property price before buying a flat, plot, or house in India.
Calculator
What will registration cost?
Formula
Property buying cost formula
Stamp duty is usually calculated as a percentage of property value or government guidance value, whichever is higher. Registration charges are added separately and may have state-specific caps.
Total registration cost = Stamp duty + registration fee + local cess or other state charges, where applicable.
FAQ
What is stamp duty?
Stamp duty is a state government tax paid when property ownership is transferred. It is a major upfront cost and should be planned before paying the booking amount.
What is registration charge?
Registration charge is the fee paid to register the sale deed with the Sub-Registrar. It is separate from stamp duty and varies by state.
Is stamp duty included in home loan?
Usually buyers pay stamp duty and registration from their own funds. Some lenders may finance related costs, but you should not assume this while planning down payment.
Do women buyers get lower stamp duty?
Some states offer concessions for women buyers, while others do not. The calculator includes broad buyer-type assumptions, but final eligibility should be checked with the state portal.
Which value is used for stamp duty?
Authorities may use the higher of transaction value and circle rate, ready reckoner rate, or guidance value. This calculator uses the property value you enter.
Why do rates differ by state?
Stamp duty is controlled by state governments, so Maharashtra, Delhi, Karnataka, Tamil Nadu, and other states can have different rates, caps, and concessions.
Should I include this in home affordability?
Yes. A home can look affordable from EMI alone, but stamp duty, registration, interiors, brokerage, and maintenance deposit can create a large cash gap.
Are these rates exact?
No. These are indicative planning rates. State circulars, municipal cess, property type, location, ownership pattern, and legal structure can change the exact amount.
When is stamp duty paid?
Stamp duty is generally paid before or at the time of executing and registering the property document. Exact process depends on the state.
Can stamp duty be claimed as tax deduction?
For eligible residential property, stamp duty and registration may qualify under Section 80C within the overall limit, subject to conditions. Check your tax regime and advisor before claiming.