Stamp Duty Calculator (All Indian States)
Calculate stamp duty, registration fees, and total charges for property purchase across all 28 Indian states and 8 UTs.
Mumbai: 6%M/5%F. Rest of state: 5%M/4%F. Shown: Mumbai rates
Enter property value to see stamp duty breakdown
Select state, property type, and buyer category for accurate calculation
How to Save on Stamp Duty
Register in Woman's Name
Many states like Delhi, Haryana, Rajasthan, Punjab, J&K offer 1-4% lower stamp duty for women buyers. This can save lakhs on high-value properties.
Joint Registration
In states with women concessions, joint registration (husband + wife) still gets partial benefit. A simple way to save without full ownership transfer.
Buy Ready-to-Move Property
Under-construction properties attract GST (1-5%) on top of stamp duty. Ready-to-move or resale properties have zero GST, saving up to 5% extra.
Check for Government Rebates
States periodically offer stamp duty reductions. Maharashtra offered 2-3% rebate during COVID. Always check for ongoing schemes before registering.
First-Time Buyer Benefits
Some states offer reduced stamp duty for first-time homebuyers or for properties below a certain value threshold. Check PMAY-linked concessions.
Optimize Property Value Declaration
Stamp duty is charged on the higher of sale price or circle rate. If circle rate is lower, buying at circle rate saves duty. Never under-declare value.
Claim Section 80C Deduction
Stamp duty and registration charges paid for a residential property can be claimed under Section 80C of the Income Tax Act (up to Rs 1.5 lakh per year).
Consider Nearby Areas
Circle rates vary significantly between localities. A property just across a municipal boundary may have drastically lower circle rates and stamp duty.
Stamp Duty Rates - All Indian States & UTs
Quick reference for residential properties (rates may vary for other property types)
| State / UT | Male | Female | Registration | Municipal | Total (M) |
|---|---|---|---|---|---|
| Andhra Pradesh | 5% | 5% | 0.5% | 1% | 6.5% |
| Arunachal Pradesh | 6% | 6% | 1% | - | 7.0% |
| Assam | 8.25% | 8.25% | 0% | - | 8.3% |
| Bihar | 6.3% | 6.3% | 2% | - | 8.3% |
| Chhattisgarh | 5% | 4%(-1.0%) | 4% | - | 9.0% |
| Goa | 3.5% | 3.5% | 1% | - | 4.5% |
| Gujarat | 4.9% | 4.9% | 1% | - | 5.9% |
| Haryana | 7% | 5%(-2.0%) | 1.5% | - | 8.5% |
| Himachal Pradesh | 6% | 4%(-2.0%) | 2% | - | 8.0% |
| Jharkhand | 4% | 4% | 3% | - | 7.0% |
| Karnataka | 5% | 5% | 1% | - | 6.0% |
| Kerala | 8% | 8% | 2% | - | 10.0% |
| Madhya Pradesh | 7.5% | 7.5% | 3% | - | 10.5% |
| Maharashtra | 6% | 5%(-1.0%) | 1% | 1% | 8.0% |
| Manipur | 7% | 7% | 3% | - | 10.0% |
| Meghalaya | 9.9% | 9.9% | 0% | - | 9.9% |
| Mizoram | 5% | 5% | 0% | - | 5.0% |
| Nagaland | 8.25% | 8.25% | 0% | - | 8.3% |
| Odisha | 5% | 4%(-1.0%) | 2% | - | 7.0% |
| Punjab | 7% | 5%(-2.0%) | 1% | - | 8.0% |
| Rajasthan | 5% | 4%(-1.0%) | 1% | - | 6.0% |
| Sikkim | 5% | 5% | 1% | - | 6.0% |
| Tamil Nadu | 7% | 7% | 4% | - | 11.0% |
| Telangana | 4% | 4% | 0.5% | 1% | 5.5% |
| Tripura | 5% | 5% | 1% | - | 6.0% |
| Uttar Pradesh | 7% | 6%(-1.0%) | 1% | - | 8.0% |
| Uttarakhand | 5% | 3.75%(-1.3%) | 2% | - | 7.0% |
| West Bengal | 7% | 7% | 1% | - | 8.0% |
| Andaman & Nicobar | 5% | 5% | 1% | - | 6.0% |
| Chandigarh | 6% | 4%(-2.0%) | 1% | - | 7.0% |
| Dadra & Nagar Haveli and Daman & Diu | 5% | 5% | 2% | - | 7.0% |
| Delhi | 6% | 4%(-2.0%) | 1% | - | 7.0% |
| Jammu & Kashmir | 7% | 3%(-4.0%) | 1.2% | - | 8.2% |
| Ladakh | 7% | 3%(-4.0%) | 1.2% | - | 8.2% |
| Lakshadweep | 5% | 5% | 1% | - | 6.0% |
| Puducherry | 6% | 6% | 2% | - | 8.0% |
Frequently Asked Questions
What is stamp duty?
Stamp duty is a tax levied by the state government on the transfer of property ownership. It is payable at the time of property registration and is calculated as a percentage of the property value or circle rate, whichever is higher.
What is the difference between stamp duty and registration charges?
Stamp duty is a tax on the transaction document (sale deed), while registration charges are fees paid to the sub-registrar office for officially recording the property transfer in government records. Both are mandatory and payable at the time of registration.
Is stamp duty the same across all states in India?
No. Stamp duty is a state subject under the Indian Constitution. Each state sets its own rates. Rates vary from as low as 3.5% (Goa) to as high as 9.9% (Meghalaya). Many states also offer different rates based on gender, property location (urban/rural), and property value slabs.
Can I get a refund on stamp duty if the property deal is cancelled?
In most states, stamp duty refund is possible if the sale deed has not been registered. Once registered, refund is generally not available. Some states allow partial refund within a specified period (usually 6 months). Check your state-specific rules for exact provisions.
What is circle rate and how does it affect stamp duty?
Circle rate (also called guidance value, ready reckoner rate, or collector rate) is the minimum property value set by the government for each locality. Stamp duty is charged on the higher of the actual transaction value or the circle rate, preventing under-valuation.
Is GST applicable on property purchase?
GST is applicable only on under-construction properties: 5% for non-affordable housing (above Rs 45 lakh) and 1% for affordable housing (below Rs 45 lakh), without input tax credit. Ready-to-move and resale properties are exempt from GST.
Can stamp duty be claimed as tax deduction?
Yes. Stamp duty and registration charges paid for purchase of a residential house property can be claimed as deduction under Section 80C of the Income Tax Act, 1961, subject to the overall limit of Rs 1.5 lakh per financial year.
How can women buyers save on stamp duty?
Many states like Delhi, Haryana, Rajasthan, Punjab, UP, Uttarakhand, Himachal Pradesh, and Jammu & Kashmir offer reduced stamp duty rates for women buyers. Savings can range from 1% to 4%, which on a Rs 1 crore property translates to Rs 1-4 lakh savings.
Key Terms
Stamp Duty
State tax on property transfer documents, calculated as percentage of property value.
Registration Fee
Charge by sub-registrar office for recording the property sale in government records.
Circle Rate
Government-set minimum property value per sq ft for each area, used as base for stamp duty.
Ready Reckoner Rate
Term used in Maharashtra for circle rate; published annually by the state government.
Sale Deed
Legal document transferring property ownership from seller to buyer after registration.
Conveyance Deed
Document transferring property title, commonly used in society flat transfers.
Municipal Transfer Duty
Additional charge by local municipal body in some states (e.g., Maharashtra, Telangana).
E-Stamping
Electronic method of paying stamp duty, replacing physical stamp papers in most states.
Disclaimer: Stamp duty and registration charges shown are approximate and based on general state-level rates as of 2025-26. Actual charges may differ based on specific municipal area, property location, government circle rate, property age, and any ongoing state government rebate schemes. For precise calculations, please consult your local sub-registrar office or a qualified legal advisor. This tool is for estimation purposes only.
Stamp Duty Calculator (All Indian States) कसरी प्रयोग गर्ने
- 1
Select your state and property type.
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Enter the property value and choose buyer category.
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View instant stamp duty, registration, and total cost breakdown.
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Compare rates across states.
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Export the calculation report.
Stamp Duty Calculator (All Indian States) बारेमा
Calculate stamp duty and registration charges for property purchases across all 28 Indian states and 8 Union Territories. Accurate rates with concessions for women buyers, senior citizens, and joint registrations.
Includes GST calculation for under-construction properties, municipal charges, and total cost breakdown with animated stacked bar chart. Compare stamp duty across top states for the same property value.
Features tips on saving stamp duty, complete rates reference table, FAQ section, and glossary of property registration terms.