Free Stamp Duty Calculator – Registration Cost for 19 Indian States

What Stamp Duty and Registration Really Cost, State by State

A stamp duty calculator tells you what a state will charge to make your property transfer legally valid, plus the registration fee the sub-registrar charges to record it in government records. Both are paid by the buyer, both fall due on registration day, and neither is funded by a home loan. Together they typically add 5 to 11 per cent on top of the price — on a ₹60 lakh flat that is anywhere from ₹3 lakh to ₹6.6 lakh depending purely on which state you are in and whose name is on the deed. Buyers building a budget, couples deciding whose name to register in, and anyone comparing a flat inside city limits against one in a panchayat area all need the number before they sign. The arithmetic is simple; the rate lookup is the hard part. Duty equals the base value multiplied by your state's rate, where the base is the higher of your agreement value and the government circle or ready reckoner rate — buy below the circle rate and you still pay on the circle rate. The rate depends on four things: the state, the buyer's gender or joint status, whether the property is urban or rural, and in some states the value band. Registration follows one of four patterns: a plain percentage, a capped percentage, a flat slab, or a waiver. Several states add charges other calculators drop. Karnataka adds 0.5 per cent cess and 0.1 per cent surcharge on the value; Telangana adds 1.5 per cent transfer duty; Rajasthan adds a labour cess of 20 per cent of the stamp duty — of the duty, not the value, a distinction worth ₹2.4 lakh on a ₹50 lakh flat. Run a ₹60,00,000 flat through four states and the spread is stark. In Karnataka, above the ₹45 lakh band, duty is 5 per cent (₹3,00,000), registration is 2 per cent (₹1,20,000) and cess plus surcharge add ₹36,000, giving ₹4,56,000 or 7.6 per cent. In Kolkata's urban limits it is 6 per cent duty and 1 per cent registration, so ₹4,20,000 or 7 per cent. In Gujarat a male buyer pays 4.9 per cent duty and 1 per cent registration, ₹3,54,000 or 5.9 per cent; a female buyer pays 3.9 per cent with the registration fee waived entirely, ₹2,34,000 or 3.9 per cent. In Tamil Nadu, where registration alone is 4 per cent, the same flat costs ₹6,60,000 or 11 per cent. Same property, same price, ₹4.26 lakh of difference. The gender rebate is the largest lever most buyers can pull. Delhi charges men 6 per cent and women 4 per cent, so a ₹80 lakh flat registered in a woman's name saves ₹1,60,000; Uttar Pradesh saves 1 point, Haryana 2 points in urban areas, and Gujarat waives the registration fee on top of a 1 point concession. Joint ownership sits in between: UP charges 7 per cent for two men, 6.5 per cent for a male and female pair, and 6 per cent when both owners are women. The urban and rural split matters just as much — Maharashtra runs 6 per cent inside municipal limits, 4 per cent in MMRDA council areas and 3 per cent under gram panchayat, so the same budget buys differently on either side of a boundary. Karnataka and West Bengal add value bands, where crossing ₹45 lakh or ₹1 crore changes the rate on the whole amount. One caution and one caveat. These rates move mid-year and without notice: Karnataka doubled its registration fee from 1 to 2 per cent on 31 August 2025 and several widely read tax sites still show 1 per cent, so we follow the department instead. Confirm at your sub-registrar's office before budgeting. The caveat is scope — sale and conveyance deeds only. Gift, lease and partition deeds carry different rates, and Pune's 7 per cent already bundles a local body tax, metro cess and transport surcharge we do not itemise. Rates come from ClearTax's 2026 state pages, BankBazaar's all-India table, the Delhi Revenue Department and the Karnataka Department of Stamps and Registration. This is a budgeting estimate, not legal advice, and it runs in your browser.

Stamp Duty Calculator Formula & Method

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