Tools & guides

Stamp duty calculator

Stamp duty and registration fee for property in 13 Indian states and union territories - with the concessions for women - worked out before you commit.

Registered in the name of
₹10 L ₹50 Cr
Not set ₹50 Cr
The government value for the property, if you know it.

Duty is charged on the deal value or the government circle-rate value, whichever is higher.

Total payable at registration -

How this state charges duty

    Checked against

      Rates change - verify before you pay. Stamp duty, cess and registration fees are set by each state and revised from time to time. Figures here are indicative, last reviewed on 7 October 2026. Always confirm the amount with the state registration department, the sub-registrar or your lawyer before registration.

      At a glance

      Stamp duty rates by state

      Headline stamp duty (including cess or surcharge where it is part of the quoted rate) and the registration fee for a home sale deed. Last reviewed 7 October 2026.

      State / UTAreaManWomanJointOn the dutyRegistration fee
      Haryana Urban (inside municipal limits, e.g. all Gurugram sectors) 7% 5% 6% - Slabs, up to ₹50,000
      Rural 5% 3% 4% - Slabs, up to ₹50,000
      Delhi - 6% 4% 5% - 1% + ₹100
      Uttar Pradesh - 7% 6% – 7% (by value) 6.5% – 7% (by value) - 1%
      Maharashtra Mumbai (BMC limits) - includes 1% metro cess 6% 5% 6% - 1%, max ₹30,000
      Pune, Thane, Navi Mumbai, Nagpur & other corporations - includes metro cess / LBT 7% 6% 7% - 1%, max ₹30,000
      Gram panchayat areas 4% 3% 4% - 1%, max ₹30,000
      Karnataka Bengaluru (BBMP) & other urban areas - 10% cess + 2% surcharge on duty 2% – 5% (by value) 2% – 5% (by value) 2% – 5% (by value) +12% of duty 2%
      Rural / panchayat areas - 10% cess + 3% surcharge on duty 2% – 5% (by value) 2% – 5% (by value) 2% – 5% (by value) +13% of duty 2%
      Telangana GHMC / municipal areas 5.5% 5.5% 5.5% +1.5% transfer duty 0.5%
      Gram panchayat areas 5.5% 5.5% 5.5% - 2%
      Punjab Urban areas 7% 5% 6% - 1%, max ₹200,000
      Rural areas 6% 4% 5% - 1%, max ₹200,000
      Chandigarh (UT) - 6% 6% 6% - 1%
      Rajasthan - 6% 5% 6% +33% of duty 1%
      Gujarat - 4.9% 4.9% 4.9% - 1% (nil for women)
      Goa - 3% – 6% (by value) 3% – 6% (by value) 3% – 6% (by value) - See notes
      Himachal Pradesh Buyer needs Section 118 permission (non-agriculturist of HP - most NRIs) 12% 12% 12% - 2%, max ₹25,000
      Himachali agriculturist (no Section 118 permission needed) 6% 4% 5% - 2%, max ₹25,000
      Uttarakhand - 5% 3.75% – 5% (by value) 5% - 2%, max ₹50,000

      "By value" means the rate depends on the property value (for example, Uttar Pradesh's women's rebate applies up to ₹1 crore and Goa's slabs rise with value). Small fixed charges - pasting, scanning, e-stamp service and conveyance fees - are extra.

      For NRIs

      Paying stamp duty from abroad

      1. Check the value. Compare your deal value with the circle rate for the locality or project. Duty is due on the higher figure.
      2. Fund it in rupees. Pay from your NRE or NRO account, or through an inward remittance. Banks rarely finance stamp duty, so keep it outside your loan.
      3. Buy the e-stamp. Most states sell e-stamps online (SHCIL or the state portal) or through authorised banks and vendors.
      4. Register the deed. Book a slot with the sub-registrar. You can attend on a visit to India, or sign a Power of Attorney abroad so someone you trust registers it for you.

      Save legitimately

      Registering in a woman's name

      Delhi, Haryana and Punjab charge women 2% less, Uttar Pradesh gives a 1% rebate on homes up to ₹1 crore, Maharashtra and Rajasthan 1% less, Uttarakhand 25% less on property up to ₹25 lakh, and Gujarat waives the registration fee for a woman buying alone.

      On a ₹2 crore home in Gurugram, buying in a woman's name saves ₹4 lakh. If the property is bought with a spouse's funds, discuss the income-tax clubbing rules and future sale plans with your adviser first.

      Questions NRIs ask

      Stamp duty FAQs

      No. Stamp duty and registration fees in India depend on the state, the property value and (in some states) the buyer's gender - not on residential status. Himachal Pradesh is an exception in practice: buyers who are not agriculturists of the state, including most NRIs, need Section 118 permission and pay a higher rate.

      On whichever is higher. If the agreed price is below the circle rate (also called the ready reckoner, guidance value or DLC rate), duty is charged on the circle-rate value.

      In several states, yes - for example Delhi and Haryana charge 2% less for women, Punjab 2% less, Uttar Pradesh 1% less on property up to ₹1 crore, Maharashtra and Rajasthan 1% less, and Gujarat waives the registration fee for women buying alone. Karnataka, Telangana, Goa and Chandigarh have no gender-based concession.

      Stamp duty and registration are paid when the sale or conveyance deed is registered - usually at possession. Some states (such as Maharashtra) require the agreement for sale to be registered with duty paid at the booking stage, so check the practice in your state.

      Yes. An NRI can appoint someone in India through a Power of Attorney, attested at an Indian embassy or consulate (or apostilled) and adjudicated in India, to sign and register the deed on their behalf.

      Stamp duty and registration paid on a residential house can be claimed under Section 80C (within the overall ₹1.5 lakh limit) under the old tax regime, in the year of payment, if you file a return in India. They also form part of the cost of acquisition for capital gains.

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