How to calculate stamp duty and registration charges
Start with the value the state charges on, which is usually the higher of your agreement price and the circle rate value. Then multiply by your state's stamp duty rate, and add the registration fee and any transfer duty.
For a man buying a ₹50 lakh home in Delhi, stamp duty at 6% is ₹3,00,000 and registration at 1% is ₹50,000, which comes to ₹3,50,000. In Mumbai the same purchase pays ₹3,00,000 in stamp duty and ₹30,000 in registration, ₹3,30,000 in all.
This calculator is for an ordinary sale deed. Gift deeds, lease deeds and other documents follow different rates, so ask your lawyer about those.
How registration charges are worked out
Registration records the deed in the government's property register. It is a separate fee from stamp duty, usually worked out on the same value, and the rules vary a lot. Most states charge a percentage. Maharashtra stops at ₹30,000 and Punjab at ₹2 lakh, Haryana charges a fixed amount by value, and Assam charges about 8.5%.
Paying stamp duty without registering leaves you with no public record of ownership, so you need both.
Circle rate, DLC rate and stamp duty value
Every state publishes minimum values by locality. The name changes: circle rate in Delhi and Uttar Pradesh, DLC rate in Rajasthan, ready reckoner in Maharashtra, guidance value in Karnataka, guideline value in Tamil Nadu and jantri in Gujarat. Stamp duty is usually charged on the higher of this value and your agreement price.
If a ₹1.5 crore flat sits in a locality where the circle rate values it at ₹1.75 crore, expect duty on ₹1.75 crore. This calculator doesn't look up these rates, so enter the higher figure if you know it, and check your state's own site or sub-registrar.
Stamp duty notes by state
Where each rate comes from and what can change it. Our guide on paying stamp duty and registering a deed covers the steps and documents.
Andhra Pradesh
From the official duty calculator for a sale deed, charged on the higher of price and market value. It adds a flat ₹500 user charge. Most guides show no concession for women. AP Registration Department
Assam
Stamp duty of 6% and 5% and registration of 8.5% appear in official papers, but those papers are old, and recent guides mention a 2025 revision we could not find. Guides differ on the joint rate. Confirm with your sub-registrar, as this total is unusually high. Assam Registration Department
Bihar
Bihar’s rate depends on the seller too. Male seller to female buyer is 5.7% + 1.9%, female seller to male buyer is 6.3% + 2.1%, and any other sale is 6% + 2%. From an undated copy of the official chart. Guides differ on joint buyers.
Chandigarh
The official paper, from 2020, shows 5% and registration of 1% capped at ₹10,000. Recent guides show 6%, some with 4% for women, and no cap. Ask the Sub-Registrar before relying on this. Chandigarh Administration
Chhattisgarh
From recent guides and news reports. Women’s registration was cut by half in 2026, and the extra 12% cess ended in April 2026. We could not confirm the exact conditions or the joint rate.
Delhi
Stamp and transfer duty of 6% for men and 4% for women are from the Delhi Revenue Department. The 5% joint rate and 1% registration are from published guides. Noida and Ghaziabad follow Uttar Pradesh, and Gurugram and Faridabad follow Haryana. Delhi Revenue Department
Goa
Stamp duty is from the Goa Government order of 6 July 2026, which replaced the older scale, with no gender difference. Registration differs between the state’s published table and recent guides, so it is shown as a range. Goa Gazette, 6 July 2026
Gujarat
Stamp duty of 3.5% plus 1.4% additional duty, charged on the higher of price and jantri value, from an official 2021 report and matched by 2026 guides. Sole women buyers pay no registration fee. Joint buyers with a man pay 1%. Gujarat GARVI portal
Haryana
Within municipal limits, including Gurugram: Stamp duty is from recent guides. Registration is a fixed amount by value from the official table, reaching ₹50,000 above ₹90 lakh. Duty is charged on the higher of price and collector rate. Haryana fee table
Outside municipal limits: Stamp duty is from recent guides. Registration is a fixed amount by value from the official table, reaching ₹50,000 above ₹90 lakh. Duty is charged on the higher of price and collector rate. Haryana fee table
Himachal Pradesh
A bill passed in September 2026 sets 4% for women up to ₹1 crore, 6% for others up to ₹40 lakh, and 8% above those limits. We could not confirm its start date or the joint rule. Registration of 2% is from a 2012 official notification. Bill 12 of 2026
Jharkhand
Municipal areas: Stamp duty of 4% and registration of 3% are from recent guides, with no concession for women. A new 10% surcharge on both for municipal areas was approved in October 2026, and reports differ on whether it has started, so the upper figure includes it.
Rural areas: Stamp duty of 4% and registration of 3% are from recent guides, with no concession for women.
Karnataka
Most sales, including Bengaluru: 5% stamp duty plus 10% cess are official, and the 2% surcharge is from recent guides. Registration became 2% in August 2025. Gram panchayat areas pay 5.65%. No concession for women in the rules we read. Charged on market value. Karnataka Registration Department
First sale of a flat, from the builder: First sale of a flat pays a lower base rate: 2% up to ₹20 lakh and 3% up to ₹45 lakh, plus cess and surcharge. Resale flats, houses and plots use the other option. The Act copy we read runs to 2023, so confirm the slab with your lawyer. Karnataka Registration Department
Kerala
Official table, for panchayat, municipality and corporation alike, on the higher of fair value and price. No concession for women. A new flat bought from the builder may pay 7% stamp duty, so ask about it. Kerala Registration Department
Madhya Pradesh
Sources conflict here. Guides mostly show 7.5% and 3%, older official papers add up to 8% in cities, and a 2021 notification gives 1% registration for women only. Check the state’s SAMPADA calculator before relying on this. MP Registration Department
Maharashtra
Mumbai: 5% stamp duty plus 1% metro cess, from the official schedule. Registration is capped at ₹30,000. The women’s 1% concession is for residential property bought by women. Guides usually give joint buyers with a man the men’s rate. Maharashtra stamp schedule
Pune, Pimpri-Chinchwad, Thane, Nagpur: Includes 1% metro cess and 1% local body tax. Part of this is official and the rest is from recent guides. Registration is capped at ₹30,000. The women’s 1% concession is for residential property bought by women. Maharashtra stamp schedule
Other municipal corporations: From recent guides. Sources give Navi Mumbai as 6% or 7%. Registration is capped at ₹30,000. The women’s 1% concession is for residential property bought by women. Maharashtra stamp schedule
Municipal council or nagar panchayat: 5% in the official schedule plus 1% local body tax. Some guides still show 4%, which looks out of date. Registration is capped at ₹30,000. The women’s 1% concession is for residential property bought by women. Maharashtra stamp schedule
Gram panchayat: The official schedule shows 4%. One recent guide adds a 1% Zilla Parishad cess that we could not confirm, and others show less. Registration is capped at ₹30,000. The women’s 1% concession is for residential property bought by women. Maharashtra stamp schedule
Odisha
Men’s and women’s rates and registration are from the state’s official pages, plus small flat fees. The 4.5% joint rate is from recent guides. Odisha IGR
Punjab
7% is official: 5% stamp duty, 1% social infrastructure cess and 1% PIDB. Registration is 1%, capped at ₹2 lakh. Women’s and joint rates are from recent guides. Flat facilitation charges are extra. Punjab Revenue Department
Rajasthan
Base rates of 6% for men and joint buyers and 5% for women are official, on the DLC rate. These figures add a 33% surcharge on the duty, from 2026 reports, while official charts still show 30%. Some categories, such as SC, ST and BPL women, pay less. Rajasthan duty chart
Tamil Nadu
From the official duty and fee table, on market value. Many articles still show 4% registration, which is out of date. A new flat on combined value may pay less, so ask your lawyer. TNREGINET
Telangana
Outside gram panchayat limits, including Hyderabad: From the official Telangana calculator for a sale deed, charged on the higher of market value and price. Telangana Registration Department
Gram panchayat: From the official Telangana calculator for a sale deed, charged on the higher of market value and price. Telangana Registration Department
Uttar Pradesh
City localities: From the official UP calculator, which adds a development charge in some localities. It gave 7% in the Lucknow city localities we sampled and 5% in others, so check yours. The women’s rate stops at exactly ₹1 crore: above that the full rate applies. The 6.5% joint rate is from recent guides. UP IGRS calculator
Other localities: From the official UP calculator, which adds a development charge in some localities. It gave 7% in the Lucknow city localities we sampled and 5% in others, so check yours. The women’s rate stops at exactly ₹1 crore: above that the full rate applies. We found no joint rate here, so it is shown as a range. UP IGRS calculator
Uttarakhand
Women pay 3.75% on the first ₹25 lakh and 5% on the rest, at most twice in a lifetime. On joint deeds this applies only to the woman’s stated share, which is why joint is a range. The ₹50,000 registration cap dates from November 2025. Uttarakhand stamp rates
West Bengal
Municipal or corporation area: The base rates are official. Recent guides put the 1% extra above ₹1 crore, while older official papers show lower limits, and registration is either 1% or about 1.1%. No concession for women.
Panchayat area: The base rates are official. Recent guides put the 1% extra above ₹1 crore, while older official papers show lower limits, and registration is either 1% or about 1.1%. No concession for women.
Rates last checked 31 Oct 2026. Each one is labelled as official, from published guides, or a range where sources differ. No lawyer has reviewed them, and notifications change, so confirm with your lawyer and sub-registrar before you pay.