Stamp Duty Calculator
Calculate stamp duty and registration charges for residential and commercial property purchases across Indian states. Compare state-wise rates, metro cess, and women buyer concessions instantly.
Stamp duty and registration charges in India are levied under the Indian Stamp Act, 1899 and state-specific amendments. Calculations are always assessed on the higher of the negotiated Agreement Value or the government-notified Guidance Value (Circle Rate / Ready Reckoner Rate).
Verified State Stamp Duty & Registration Calculator
Calculate state-specific stamp duty, local body surcharges, registration fee caps, and gender concessions across Indian states.
Duty is charged on whichever is higher: Agreement Value or Circle Rate.
Stamp Duty & Registration Results
Your calculated results are shown below.
Main Result
₹4,80,000
Total Statutory Cost (Stamp Duty + Registration)
₹75,00,000
Taxable Valuation Base
₹4,50,000
Stamp Duty Amount (6%)
₹30,000
Registration Fee (1% — capped at ₹30k)
6.40% of Property Value
Effective Government Rate
Stamp Duty Calculator
State Property Registration Benchmarks (2026)
Assessment on Higher of Agreement vs Circle RateKey state stamp duty ranges: Maharashtra (5%–6% + 1% registration capped at ₹30,000 for >₹30L), Karnataka (2%–5% + 1% registration), Delhi (4% female / 6% male + 1% reg), Uttar Pradesh (6% female / 7% male + 1% reg), Tamil Nadu (7% stamp duty + 4% reg).
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ViewSelect Your State for Exact Stamp Duty & Circle Rates
Get exact 2026 stamp duty percentages, Ready Reckoner / Guideline values, women buyer concessions, and registration fee caps.
Maharashtra
Rate: 6% (Mumbai MCGM: 5% base + 1% metro cess)
Reg. Fee: 1% of property value
Karnataka
Rate: 5% (> ₹45L) + 10% cess on duty (~5.6% total)
Reg. Fee: 2% of property value
Delhi
Rate: 6% of property value (Urban / MCD / NDMC)
Reg. Fee: 1% of total property value + ₹100 flat pasting fee
Uttar Pradesh
Rate: 7% of property valuation
Reg. Fee: 1% of total property valuation
Tamil Nadu
Rate: 7% of property market value (or Guideline Value)
Reg. Fee: 4% of property value
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How the Stamp Duty Calculator Works
Select State & Location
Choose your state and select whether the property is in an urban municipal area or rural Gram Panchayat jurisdiction.
Enter Agreement Value & Circle Rate
Input the negotiated purchase price and local circle rate (Ready Reckoner value). The calculation automatically uses the higher figure.
Specify Ownership Gender
Indicate whether the property is registered under a male, female, or joint ownership to apply state-specific stamp duty concessions.
View Stamp Duty & Registration Total
Instantly see the exact statutory fee breakdown: base stamp duty, applicable cess or surcharges, and registration fee.
Stamp Duty Calculation Formula
Taxable Base = Max(Agreement Value, Circle Rate Value) Stamp Duty = (Taxable Base × State Rate %) + Surcharge / Cess - Gender Rebate Registration Fee = Taxable Base × State Registration Rate % (Subject to State Cap) Total Legal Addition = Stamp Duty + Registration Fee
Stamp duty is a legal tax levied by state governments in India under the Indian Stamp Act, 1899 and respective State Stamp Acts on the conveyance of immovable property. Registration charges are statutory fees paid to the Sub-Registrar of Assurances for recording the transaction in public land records. Stamp duty is calculated on the higher of the actual transaction value or the government circle rate (Ready Reckoner / Guideline value).
Example Calculation
Input: Property Value: ₹80,00,000 (Maharashtra Urban, Male Buyer), Rate: 5% Base + 1% Metro Cess + 1% Registration (capped at ₹30,000)
Output: Stamp Duty = ₹4,80,000 (6%) | Registration = ₹30,000 | Total Statutory Cost = ₹5,10,000
Common Uses
- • Budgeting total cash outflow for new or resale flat purchases
- • Comparing stamp duty across Maharashtra, Karnataka, Delhi, UP, and Tamil Nadu
- • Evaluating women co-ownership concessions to minimize registration expenses
- • Calculating circle rate valuation vs actual sale deed values
- • Estimating out-of-pocket legal expenses before booking a property
Questions about this calculator
Stamp duty is calculated as a percentage of the property's taxable market value. The tax authority uses the higher figure between the actual agreement sale price and the state government's circle rate (also called Ready Reckoner or Guideline Value). Base rates typically range from 4% to 7% across Indian states, with registration fees adding another 1% (or up to 4% in states like Tamil Nadu).
The Agreement Value is the actual transaction price negotiated between the buyer and seller. The Circle Rate (Ready Reckoner / Guideline Value) is the minimum benchmark rate set by the state government for a specific locality. By law under Section 50C of the Income Tax Act and State Stamp Acts, stamp duty cannot be paid on a value below the official circle rate.
The form of relief differs by state. Delhi and Maharashtra use lower percentage rates for qualifying female ownership, while this calculator applies Uttar Pradesh's configured female and joint-owner rates. Karnataka has no gender-based rate in this estimator, and Tamil Nadu's targeted registration-fee concession is limited by property value. Always confirm eligibility on the state registration portal.
As per Reserve Bank of India (RBI) guidelines, commercial banks and housing finance companies (HFCs) cannot include statutory stamp duty and registration charges within the sanctioned loan-to-value (LTV) ratio for properties costing above ₹30 Lakhs. Buyers must arrange these statutory costs from their own personal savings/cash funds.
Estimate property registration costs
Stamp duty is generally calculated on the value recognised by the applicable state rules, which may be the transaction value or a government valuation such as a circle, guidance, or ready-reckoner value. Registration fees, cess, surcharges, and concessions may be added separately.
Why the payable amount can differ
Rates can depend on state, city, property type, ownership structure, buyer category, transaction date, and local notifications. Caps and concessions may have eligibility conditions, and authorities can revise rates during the year.
Verify before completing a transaction
This calculator provides a planning estimate based on its stated assumptions. Confirm the current valuation, rate, concession eligibility, and registration charge with the relevant state registration portal, sub-registrar, or qualified property professional before payment.
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Written & maintained by Aditya Singh
Aditya Singh is a software engineer and the founder of DevCalc, based in Uttar Pradesh, India. He builds and maintains every calculator on this site using documented formulas, worked examples, and clearly stated limitations, with careful attention to accuracy. Read more about the author →