Stamp Duty Calculator India 2026 — State-wise Rates aur Registration Charges

Aapki property pe kitni stamp duty lagegi? State select karo! 20 major Indian states ke liye exact stamp duty aur registration charges calculate karo. Male, Female aur Joint buyers ke rates compare karo aur bachane ke tarike jaano.

Property Details

State Select Karo

Shehar / Area Type

Shehar

Property Value (₹)

Buyer Ka Gender

Male (Purush) Female (Mahila) Joint (M+F)

Property Type

Residential (Awaasi) Commercial (Vyaparik) Agricultural (Krishi)

Tip: Property mahila ke naam pe register karo — zyada tar states mein 1-2% stamp duty bachti hai. ₹1 Cr ki property pe ₹1-2 lakh tak ki savings ho sakti hai.

Stamp Duty aur Registration Charges

State-wise Stamp Duty Rates Ek Nazar Mein (2026)

State	Male	Female	Registration

Stamp Duty Kya Hoti Hai?

Stamp duty ek state-level tax hai jo India mein property transactions ke legal recognition pe lagti hai. Jab aap koi ghar, flat, plot ya koi bhi immovable property khareedti ho, toh sale deed ko sub-registrar office mein stamp aur register karana zaroori hota hai. Stamp duty is baat ka saboot hai ki transaction legally valid aur binding hai.

India mein stamp duty ke baare mein key points:

State subject: Stamp duty rates alag-alag state governments tay karti hain, isliye rates 3% (Goa) se 8.25% (Assam) tak kaafi vary karti hain.
Higher value pe calculate hoti hai: Duty actual sale price ya circle rate (government-assessed market value, jise guidance value ya ready reckoner rate bhi kehte hain) — dono mein jo zyada ho uspe lagti hai.
Gender concession: Zyada tar states mein female buyers ko 1-2% kam rate milta hai, isliye property woman ke naam pe register karna financially smart hai.
One-time payment: Property tax (annual) ke opposite, stamp duty sirf ek baar pay hoti hai — property registration ke time.

Stamp Duty aur Registration Charges Kaise Calculate Karein

Apni stamp duty liability calculate karne ke liye ye steps follow karo:

Step 1: Property value tay karo — agreement value (sale price) ya circle rate/ready reckoner rate jo government ne set kiya hai, dono mein jo zyada ho woh use karo.
Step 2: Apne state, gender aur property urban ya rural area mein hai — iske basis pe applicable stamp duty rate identify karo.
Step 3: Property value ko stamp duty rate se multiply karo — yahi stamp duty amount hoga.
Step 4: Registration charges add karo — zyada tar states mein ye property value ka 1% hota hai, kuch states mein higher-value properties ke liye ₹30,000 ka cap hai.
Step 5: Total payable = Stamp Duty + Registration Charges. Ye pay karna zaroori hai tabhi sub-registrar aapke property documents register karega.

Example: ₹80 lakh ki property Delhi mein female buyer ne kharidi — Stamp Duty = 4% of ₹80L = ₹3,20,000. Registration = 1% = ₹80,000. Total = ₹4,00,000. Male buyer ko 6% = ₹4,80,000 + ₹80,000 = ₹5,60,000 dena hoga — fark ₹1,60,000 ka hai.

India Mein Stamp Duty Bachane Ke Tarike

Woman ke naam pe register karo: Zyada tar states mein female buyers ko 1-2% concession milti hai. Stamp duty bachane ka ye sabse simple aur effective tarika hai.
Joint registration: Agar husband aur wife jointly property khareedte hain, toh kuch states mein blended rate (male aur female rates ka average) lagta hai, jisse partial savings hoti hai.
Government schemes check karo: PMAY (Pradhan Mantri Awas Yojana) aur other affordable housing schemes ke under properties pe kuch states mein reduced stamp duty mil sakti hai.
Income tax deduction claim karo: Income Tax Act ke Section 80C ke under (old regime), residential property ke liye pay ki gayi stamp duty aur registration charges pe purchase ke saal mein ₹1.5 lakh tak ki deduction claim kar sakte ho.
Purchase ka time dekho: Kuch states samay-samay pe stamp duty reduction announce karte hain. Maharashtra ne COVID ke time (2020-21) mein rates kam kiye the, jisse buyers ke laakhon rupaye bache.
Circle rates verify karo: Circle rate current aur sahi applied ho ye ensure karo. Kabhi-kabhi zone boundaries ke near ki properties lower-rate zone mein aa sakti hain.

State-wise Stamp Duty Rates India Mein (2026)

Neeche sabhi 20 major Indian states ki stamp duty rates ka detailed reference hai. Jab tak alag se na likha ho, rates residential property ke liye hain.

State	Male Rate	Female Rate	Notes
Maharashtra	6-7%	5-6%	Mumbai 6%/5%, baaki 7%/6%
Delhi	6%	4%	Poore NCT Delhi mein flat rate
Karnataka	5% / 3%	3% / 2%	Urban / Rural rates
Tamil Nadu	8%	7%	Urban/rural ka koi fark nahi
Uttar Pradesh	7%	6%	Poore state mein uniform
Gujarat	4.9%	4.9%	Gender ka koi fark nahi
Rajasthan	6%	5%	Poore state mein uniform
Haryana	7%	5%	Women ko 2% concession
Telangana	7.5%	7.5%	Gender ka koi fark nahi
West Bengal	7% / 6%	6% / 5%	Baaki WB / Kolkata rates
Kerala	8%	6%	Women ko 2% concession
Madhya Pradesh	7.5%	6.5%	Poore state mein uniform
Punjab	7%	5%	Women ko 2% concession
Andhra Pradesh	5%	5%	Gender ka koi fark nahi
Bihar	6.5%	5.5%	Poore state mein uniform
Odisha	5%	4%	Poore state mein uniform
Jharkhand	4%	3%	Poore state mein uniform
Chhattisgarh	5%	4%	Poore state mein uniform
Assam	8.25%	6.25%	Women ko 2% concession
Goa	3.5%	2.5%	India mein sabse kam rates

Aksar Poochhe Jaane Wale Sawal (FAQ)

India mein property pe stamp duty kya hoti hai?

Stamp duty ek state government ka tax hai jo property transactions pe lagta hai. Ye aapko tab pay karna hota hai jab aap sale deed ya transfer deed sub-registrar office mein register karte ho. Rates 3% se 8.25% tak hoti hain — state, buyer ka gender aur property location (urban ya rural) pe depend karta hai. Ye ek one-time cost hai jo property registration ke waqt pay hoti hai aur transaction ka legal proof hai.

Kya stamp duty male aur female buyers ke liye alag hoti hai?

Haan, zyada tar Indian states mein female buyers ko 1-2% ki concession milti hai stamp duty pe. Jaise Delhi mein males 6% pay karte hain jabki females sirf 4%. Haryana mein males 7% aur females 5% pay karte hain. Woman ke naam pe property register karna kaafi paisa bacha sakta hai — ₹1 crore ki property pe Delhi mein ₹2 lakh ki savings hoti hai.

India mein registration charges kya hote hain?

Registration charges wo fees hain jo aap sub-registrar office ko pay karte ho property transaction ko legally record karne ke liye. Zyada tar states mein ye property value ka 1% hota hai. Kuch states mein ₹30 lakh se zyada value ki properties ke liye Rs 30,000 ka cap hai. Registration Indian Registration Act, 1908 ke under sabhi property transfers ke liye mandatory hai.

Kya wife ke naam pe property register karke stamp duty bacha sakte hain?

Haan, zyada tar states mein woman ke naam pe property register karne pe stamp duty kam lagti hai. Delhi mein 2% ki bachat hoti hai (6% vs 4%), aur Haryana mein bhi 2% (7% vs 5%). ₹1 crore ki property pe savings ₹1-2 lakh tak ho sakti hai. Property legally usi vyakti ki hogi jiske naam pe register hai.

Kya residential aur commercial property pe stamp duty same hoti hai?

Zyada tar Indian states mein stamp duty rate residential aur commercial properties ke liye same hota hai. Lekin kuch states commercial transactions pe additional surcharges ya cess laga sakte hain. Agricultural land pe kai states mein lower rates lagte hain. Exact rate ke liye apne state ka specific schedule zaroor check karo.

Maharashtra mein 2026 mein stamp duty kitni hai?

Maharashtra mein Mumbai mein stamp duty 6% hai sabhi buyers ke liye, women ko 1% concession milti hai (effectively 5%). Baaki Maharashtra mein rate 7% hai men ke liye aur 6% women ke liye. Registration charges poore Maharashtra mein property value ka 1% hain. Mumbai rates mein metro cess pehle se include hai.

Property value pe stamp duty kaise calculate hoti hai?

Stamp duty transaction value (sale price) ya circle rate (government-assessed market value, jise guidance value ya ready reckoner rate bhi kehte hain) — dono mein jo zyada ho uspe calculate hoti hai. Circle rate se kam price declare karke stamp duty kam nahi kar sakte. Sub-registrar documents accept karne se pehle circle rate verify karta hai.

Kya stamp duty pe tax deduction mil sakti hai?

Haan, Income Tax Act ke Section 80C ke under, residential property ke liye pay ki gayi stamp duty aur registration charges pe purchase ke saal mein ₹1.5 lakh tak ki deduction claim kar sakte ho. Ye benefit sirf old tax regime mein available hai. New tax regime (Budget 2025 se default) mein Section 80C deductions allowed nahi hain.

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Zaroori Disclaimer: Is website pe sabhi content, calculators, government scheme details, tax slabs aur investment information sirf educational aur informational purposes ke liye hai. Yahan koi bhi information financial, investment, tax, legal ya insurance advice nahi hai. Calculators simplified models use karte hain — actual stamp duty aur registration charges aapke state ke current laws, circle rates aur property classification pe depend karte hain. Government ke rules, rates aur exemptions badal sakte hain. Latest rates apne state ki official registration department website pe zaroor verify karo aur property khareedne se pehle property lawyer ya chartered accountant se salah lo. Hum information ki accuracy ya completeness ki koi warranty nahi dete aur iske use se hone wale kisi loss ki koi liability nahi lete.