Stamp Duty Calculator India 2026

What is Stamp Duty and Why is it Mandatory?

Stamp duty is a legal tax levied by state governments on property transactions to authenticate and register documents. When you purchase a property in India, paying stamp duty makes your sale deed legally valid and enforceable in a court of law. Without proper stamp duty payment, your property documents remain invalid, and you cannot claim legal ownership. The stamp duty calculator helps you determine the exact amount you need to pay based on your state and property type.

Registration charges are separate fees paid to the sub-registrar office for recording your property in government records. Together, stamp duty and registration charges typically constitute 6-10% of property value, making it crucial to calculate these costs upfront when budgeting for your property purchase.

How to Calculate Stamp Duty and Registration Charges

The stamp duty calculation formula is straightforward: Stamp Duty = Property Value × Stamp Duty Rate. However, the property value used is the higher of the actual transaction value or the circle rate (government guideline value). For example, if you're buying a ₹75 lakh flat in Mumbai and the circle rate is ₹80 lakh, stamp duty will be calculated on ₹80 lakh.

Our stamp duty and registration charges calculator automatically applies the correct rates for each state. Simply enter your property value, select the state, and choose the property type to get instant calculations including stamp duty, registration fee, and total transaction cost.

State-wise Stamp Duty Rates: Maharashtra, Karnataka, Delhi & More

Maharashtra Stamp Duty Calculator: Maharashtra charges 5% stamp duty for residential properties in most areas, with 1% registration fee (capped at ₹30,000). Women buyers get a 1% concession, paying only 4%. Mumbai has the same rates but with higher circle rates. For a ₹1 crore property, expect to pay approximately ₹5 lakh in stamp duty plus ₹30,000 registration (cap applies).

Karnataka Stamp Duty Calculator (Bangalore): Karnataka has a uniform 5% stamp duty across the state with 1% registration charges. Properties above ₹45 lakh in Bangalore attract an additional 2% surcharge. The stamp duty and registration charges in Bangalore calculator shows that for a ₹80 lakh apartment, you'd pay approximately ₹4 lakh stamp duty plus ₹80,000 registration, totaling ₹4.8 lakh.

Delhi Stamp Duty Calculator: Delhi offers a significant gender-based concession with 6% stamp duty for men and 4% for women. Registration is 1% with no cap for properties up to ₹1 crore. Joint registration with a woman can reduce overall stamp duty burden. The stamp duty calculator Delhi helps you see exact savings for women buyers.

Gujarat Stamp Duty Calculator: Gujarat has among the lowest stamp duty rates at 4.9% for residential properties. Combined with 1% registration, total charges are approximately 5.9%. The Gujarat stamp duty calculator is popular among investors looking for lower transaction costs in states like Ahmedabad and Surat.

NSDL Stamp Duty and E-Stamping in India

NSDL (National Securities Depository Limited) provides e-stamping services in several Indian states. The NSDL stamp duty calculator integrates with official e-stamping portals for paperless stamp duty payment. E-stamping offers several advantages: instant certificate generation, reduced fraud risk, easy verification, and 24/7 availability. States like Gujarat, Karnataka, and Andhra Pradesh have fully implemented NSDL e-stamping.

To pay stamp duty via NSDL, visit the official SHCIL or state e-stamping portal, enter property details, make online payment, and download your e-stamp certificate. This certificate is then submitted during property registration at the sub-registrar office.

Stamp Duty Concessions and Exemptions

Several categories qualify for reduced stamp duty rates. Women buyers get 1-2% concession in states like Maharashtra, Delhi, Rajasthan, and Haryana. First-time homebuyers may qualify for reduced rates under specific state schemes. Properties under affordable housing schemes (PMAY) often have lower stamp duty rates or complete exemptions.

Agricultural land typically has lower stamp duty than residential/commercial property. Properties transferred within family (gift deeds, inheritance) may have reduced rates. Ex-servicemen and senior citizens get concessions in some states. Our house stamp duty calculator shows applicable concessions based on buyer category.

Circle Rate vs Market Value: What to Know

Circle rate (also called guidance value, ready reckoner rate, or collector rate) is the minimum property value set by state governments for stamp duty calculation. Even if you purchase a property below circle rate, stamp duty is calculated on the circle rate. Conversely, if you buy above circle rate, stamp duty applies to the actual transaction value.

Circle rates are revised periodically (usually annually) and vary by location, property type, and floor level. Prime localities have higher circle rates. Understanding circle rates is crucial for accurate stamp duty calculation - our property stamp duty calculator considers this factor for precise estimates.

Tax Benefits on Stamp Duty Under Section 80C

Stamp duty and registration charges paid for a residential property purchase can be claimed as tax deduction under Section 80C of the Income Tax Act, subject to the overall ₹1.5 lakh limit. This benefit is available only in the year of payment and applies to new property purchases (not resale with prior tax claims). The deduction can significantly reduce your tax liability - for someone in the 30% tax bracket, a ₹1.5 lakh deduction saves ₹45,000 in taxes.

Documents Required for Property Registration

When visiting the sub-registrar office for property registration, carry: original sale deed (on stamp paper or with e-stamp), identity proof (Aadhaar, PAN), address proof, passport-size photographs, property documents (previous chain of ownership), no objection certificate (NOC) if applicable, bank loan sanction letter (for financed properties), and power of attorney (if applicable).

Penalties for Non-Payment or Underpayment

Failure to pay correct stamp duty has serious consequences. Underpaid stamp duty attracts a penalty of 2% per month on the deficit amount, up to a maximum of 200% of the shortfall. Documents with insufficient stamp duty are inadmissible as evidence in court and cannot be used for property disputes. The property cannot be legally sold, mortgaged, or transferred until deficit stamp duty plus penalties are paid.

Tips to Save on Stamp Duty Charges

• Register in woman's name: States like Delhi, Maharashtra, and Haryana offer 1-2% concession for women buyers
• Opt for affordable housing: Properties under PMAY schemes may have reduced or exempted stamp duty
• Time your purchase: Some states offer temporary stamp duty reductions during economic stimulus periods
• Check for area-specific concessions: Newly developed areas or special economic zones may have lower rates
• Claim Section 80C deduction: Reduce tax liability by claiming stamp duty in your ITR
• Verify circle rates: Ensure you're not paying on inflated values - check official circle rate portals