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Stamp Duty and Registration Calculator

Stamp duty and registration are paid in cash on top of the price, and a home loan does not usually cover them. Pick your state, where the home is and who is buying, and the calculator shows each charge, the total and what it adds to the price. Rates are read on each state's own website; any rate we could not confirm, you enter.

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Calculator and results

On a home in Delhi bought by man (or men) for ₹60,00,000, the stamp duty, registration fee and pasting charge come to ₹4,20,100, or 7% of the price, so the home costs ₹64,20,100 in all.

A state is listed once its rates have been read on the state's own website.

Some states charge women buyers less. A rate for women and men buying together is used only where the state states one.

₹
₹

Duty is charged on this value when it is higher than the agreement value. Leave at 0 if it is not higher or you do not know it.

Total charges

₹4,20,100

7% of the price

Stamp duty

₹3,60,000

at 6%

Registration fee

₹60,000

at 1%

Pasting charge

₹100

fixed charge

Charged on

₹60,00,000

agreement value

Price plus charges

₹64,20,100

cash and loan together

Saved scenarios stay in this browser only. No sign-up.

Delhi: verified rates

In force from: not stated in the source.

  • Check with the Sub-Registrar for properties above ₹25 lakh.
  • For a woman and a man buying together, the Indian Stamp (Delhi Amendment) Act, 2007 applies the women's lower stamp duty only to the share the woman holds; how the transfer duty is split is not stated. Enter the combined rate the Sub-Registrar gives you.

Rates change; check with the Sub-Registrar before you pay.

Stamp duty and registration

₹4,20,100

7% of price
What it is:
A calculator for the one-time government charges on buying a home in India.
What it calculates:
Stamp duty, any surcharge or cess, the registration fee, their total and the total as a percentage of the price.

Key Assumptions

  • Each charge is a flat percentage of the value, by area and buyer where the state's page sets them.
  • Listed states' rates come from the state's official pages or Acts (verified for Maharashtra, Delhi, Uttar Pradesh and Gujarat); a rate that could not be confirmed is left for you to enter.
  • A women's concession is applied only where the state's page states it; a rate for women and men buying together is never averaged.
  • Legal fees, brokerage, GST on under-construction homes, society transfer charges and loan fees are not included.

How does the Stamp Duty Calculator work?

Stamp duty and registration are set by each state, not by the Centre, and states change them from time to time. Some charge women buyers less, some charge by area (municipal or Gram Panchayat), some add transfer duty, additional duty or a cess, and some cap the registration fee. Each part is shown separately.

Rates for Maharashtra, Delhi, Uttar Pradesh and Gujarat were verified on the state's official page or Act on 22 October 2026. Rates for Tamil Nadu, Telangana, West Bengal and Karnataka's registration fee come from the official pages cited in our research, shown as their source. Where a part could not be confirmed, the calculator leaves it blank for you to enter rather than assuming 0. For other states, enter all the rates yourself.

Many states charge duty on the government guideline value (also called the circle rate or ready reckoner rate) when it is higher than the price in your agreement. If yours is, enter it, and the calculator charges duty and registration on the higher of the two.

Stamp duty, transfer duty, additional duty and any cess are the value times their rates. Registration is the value times its rate, reduced to the cap or raised to the minimum where the state sets one, plus any fixed charge.

The total is shown in rupees and as a percentage of the agreement price, which is the figure to plan your cash around.

Stamp Duty Calculator formula

V = max(A, G); Total = V x (d + t + a + c) + min(V x r, Cap) + F

A
= agreement value (the price you pay)
G
= government guideline or circle value, if entered
d
= stamp duty rate, as a decimal
t
= transfer duty rate, where the state lists one
a
= additional duty rate above a value threshold (e.g. West Bengal above ₹1 crore)
c
= cess rate, where your area levies one
r
= registration fee rate, as a decimal
Cap
= maximum registration fee, where your state sets one
F
= fixed charge, e.g. Delhi's ₹100 pasting charge

Total as a share of the price = Total / A x 100.

Stamp Duty Calculator: worked example

A ₹60,00,000 home in a Telangana municipal area with a guideline value of ₹65,00,000

Charged on (the higher value)
₹65,00,000
Stamp duty (5.5%)
₹3,57,500
Transfer duty (1.5%)
₹97,500
Registration fee (0.5%)
₹32,500
Total charges
₹4,87,500
Total as a share of the agreement price
8.13%

Stamp duty and registration by state

State and areaStamp dutyWomenOther dutyRegistration feeSource
Maharashtra: Municipal Corporation or other urban area5%4%Metro cess where levied (rate not verified)1%, at most ₹30,000Verified: state website, 2026-10-22
Maharashtra: Municipal Council, Nagar Panchayat or MMRDA rural area5%4%Metro cess where levied (rate not verified)1%, at most ₹30,000Verified: state website, 2026-10-22
Maharashtra: Other Gram Panchayat area4%3%Metro cess where levied (rate not verified)1%, at most ₹30,000Verified: state website, 2026-10-22
KarnatakaEnter your rateEnter your rateNone listed2%Source: https://igr.karnataka.gov.in/storage/pdf-files/RegistrationFee.pdf, 2026-10-22
Delhi6%4%None listed1% plus ₹100 pasting chargeVerified: state website, 2026-10-22
Tamil Nadu7%SameNone listed2%Source: https://tnreginet.gov.in/portal/webHP, 2026-10-22
Telangana: Municipal and other areas5.5%SameTransfer duty 1.5%0.5%Source: https://registration.telangana.gov.in/readyReckoner.htm, 2026-10-22
Telangana: Gram Panchayat area5.5%SameNone listed2%Source: https://registration.telangana.gov.in/readyReckoner.htm, 2026-10-22
Uttar Pradesh: Notified development area (see the note below)5%SameDevelopment stamp duty 2%1%Verified: state website, 2026-10-22
Uttar Pradesh: Other areas5%SameNone listed1%Verified: state website, 2026-10-22
Gujarat4.9%SameNone listed1%Verified: state website, 2026-10-22
West Bengal: Municipal, corporation or notified area (incl. Kolkata, Howrah, New Town)6%Same+1% above ₹1,00,00,0001%Source: https://wbregistration.gov.in/Stamp_duty.aspx, 2026-10-22
West Bengal: Panchayat area5%Same+1% above ₹1,00,00,0001%Source: https://wbregistration.gov.in/Stamp_duty.aspx, 2026-10-22

Rates for a man buying, with the women's stamp duty alongside. "Verified" means the figures were confirmed on the state's official page or Act; "Source" means they come from that official page as cited in our research and have not been re-read by us. "Enter your rate" means the state's page did not let us confirm that figure, so the calculator asks you for it instead of guessing. The calculator shows each state's concessions, notification and in-force date.

Stamp Duty Calculator: frequently asked questions

Who sets stamp duty and registration fees?
Each state and union territory sets its own, under its stamp and registration laws. That is why the same home price can attract quite different charges in neighbouring states. The state's registration, IGR or revenue department website publishes the current rates.
Is stamp duty charged on the agreement price or the circle rate?
In many states it is charged on whichever is higher: the price in your agreement or the government guideline value (circle rate, ready reckoner rate) for the area. If the guideline value is higher, enter it in the calculator so duty and registration are worked out on it.
Do women pay less stamp duty?
Several states charge women less. Maharashtra charges 1 percentage point less stamp duty on a home bought by women, and Delhi charges 4% instead of 6%. In Tamil Nadu the registration fee is 1% instead of 2% when every buyer is a woman and the value is up to ₹10 lakh. When a woman and a man buy together, the calculator asks for the rate unless the state states one.
Can stamp duty be added to the home loan?
Generally not. Lenders lend against the property's value, and stamp duty and registration are usually left out of it, so plan to pay them from savings along with the down payment. The home down payment calculator adds them to the cash you need.
Why does the stamp duty calculator ask me to enter a rate?
We list a rate only after reading it on the state's own registration or revenue department website, never from news reports or memory. When a part could not be confirmed there, such as Karnataka's stamp duty or Maharashtra's metro cess, the calculator leaves it blank for you to enter instead of assuming 0.

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Reviewed by Pradipta Ray, MBA (Finance) · Updated