Stamp duty calculator
Budget the hidden cost of buying property. Pick your state and property value to estimate the stamp duty + registration charges and your all-in cost — the number that catches most first-time buyers off guard.
Property details
Tweak the numbers — results update live
₹3L
Stamp duty
6%
₹50K
Registration
1%
₹53.5L
All-in cost
price + charges
Total cost of acquisition
Property price plus government charges
- Property value₹50L
- Stamp duty₹3L
- Registration₹50K
Rates are typical state values and vary by gender, location (urban/rural) and property type. Many states offer a 1–2% concession for women buyers. Adjust the rate above for your exact case.
Stamp duty + reg.
₹3,50,000
The cost beyond the price
Don’t forget the registry
Stamp duty and registration can add 5–8% to a property’s price — lakhs of rupees that lenders usually won’t finance. Knowing the number upfront keeps your home-buying budget honest.
- 1
Take the higher value
Stamp duty applies to the agreement value or circle rate, whichever is higher.
- 2
Apply the state rate
Each state sets its own rate, typically 4–7.5%.
- 3
Add registration
A separate charge of about 1% to record the transfer.
- 4
Pay from your pocket
These charges sit outside the home loan — budget for them.
Questions
Frequently asked
Stamp duty is a state tax you pay to legally register the transfer of a property in your name; registration charge is a separate fee (usually around 1%) for recording the transaction. Together they’re a significant, mandatory cost on top of the property price — often 5–8% of the value.
Stamp duty is a percentage of the higher of the property’s agreement value or the government’s ready-reckoner (circle) rate. Multiply that value by your state’s stamp-duty rate, then add the registration charge. This calculator does both and shows your all-in cost of acquisition.
Stamp duty is a state subject, so each state (and sometimes city) sets its own rate — typically 4% to 7.5%. Rates can also vary by gender, property location (urban vs rural), and property type. Pick your state above for a typical rate, then fine-tune it for your exact case.
In many states, yes. States like Delhi, Haryana, Rajasthan and others offer women buyers a concession of about 1–2% on stamp duty to encourage property ownership in women’s names. If you’re registering in a woman’s (or joint) name, lower the rate accordingly above.
Usually not — most lenders fund only the property value (up to the loan-to-value cap) and expect you to pay stamp duty and registration from your own funds. Budget for these charges separately so they don’t derail your purchase. Some states allow a Section 80C deduction on stamp duty in the year of purchase.