Are there any exemptions on stamp duty in India?

Some exemptions and concessions exist: (1) Women buyers get 1-2% concession in most states, (2) Properties under affordable housing schemes (like PMAY) may get reduced rates, (3) Some states offer concessions for SC/ST buyers, (4) Agricultural land transfers within family may be exempt in some states. Check your state's specific rules.

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

Calculate exact stamp duty and registration charges for property purchase across 20 major Indian states. Compare rates for Male, Female & Joint buyers and find ways to save.

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Buyer Gender

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Tip: Register property in a woman's name to save 1-2% stamp duty in most states. For a ₹1 Cr property, this could save ₹1-2 lakh.

Stamp Duty & Registration Charges

State-wise Stamp Duty Rates at a Glance (2026)

State	Male	Female	Registration

What is Stamp Duty?

Stamp duty is a state-level tax charged on the legal recognition of property transactions in India. When you buy a house, flat, plot, or any immovable property, the sale deed must be stamped and registered at the sub-registrar's office. The stamp duty serves as proof that the transaction is legally valid and binding.

Key points about stamp duty in India:

State subject: Stamp duty rates are determined by individual state governments, which is why rates vary significantly from 3% (Goa) to 8.25% (Assam).
Calculated on higher value: Duty is levied on the higher of the actual sale price or the circle rate (government-assessed market value, also called guidance value or ready reckoner rate).
Gender concession: Most states offer 1-2% lower rates for female buyers, making it financially smart to register property in a woman's name.
One-time payment: Unlike property tax (annual), stamp duty is a one-time cost paid at the time of property registration.

How to Calculate Stamp Duty & Registration Charges

Follow these steps to calculate your stamp duty liability:

Step 1: Determine the property value — use the higher of the agreement value (sale price) or the circle rate/ready reckoner rate set by the government.
Step 2: Identify the applicable stamp duty rate based on your state, gender, and whether the property is in an urban or rural area.
Step 3: Multiply the property value by the stamp duty rate to get the stamp duty amount.
Step 4: Add registration charges — typically 1% of the property value in most states, with some states capping it at ₹30,000 for higher-value properties.
Step 5: The total payable = Stamp Duty + Registration Charges. This must be paid before the sub-registrar will register your property documents.

Example: For a ₹80 lakh property in Delhi purchased by a female buyer — Stamp Duty = 4% of ₹80L = ₹3,20,000. Registration = 1% = ₹80,000. Total = ₹4,00,000. A male buyer would pay 6% = ₹4,80,000 + ₹80,000 = ₹5,60,000 — a difference of ₹1,60,000.

Ways to Save on Stamp Duty in India

Register in a woman's name: Most states offer 1-2% concession for female buyers. This is the simplest and most effective way to reduce stamp duty.
Joint registration: If husband and wife buy jointly, some states calculate duty at a blended rate (average of male and female rates), offering partial savings.
Check for government schemes: Properties under PMAY (Pradhan Mantri Awas Yojana) and other affordable housing schemes may attract reduced stamp duty in some states.
Claim income tax deduction: Under Section 80C of the Income Tax Act (old regime), stamp duty and registration charges paid for a residential property can be claimed as a deduction up to ₹1.5 lakh in the year of purchase.
Time your purchase: Some states periodically announce stamp duty reduction windows. Maharashtra famously reduced rates during COVID (2020-21), saving buyers lakhs of rupees.
Verify circle rates: Ensure the circle rate used is current and correctly applied. Sometimes properties near zone boundaries may fall in a lower-rate zone.

State-wise Stamp Duty Rates in India (2026)

Below is a detailed reference of stamp duty rates across all 20 major Indian states. Rates shown are for residential property unless noted otherwise.

State	Male Rate	Female Rate	Notes
Maharashtra	6-7%	5-6%	Mumbai 6%/5%, rest 7%/6%
Delhi	6%	4%	Flat rate across NCT Delhi
Karnataka	5% / 3%	3% / 2%	Urban / Rural rates
Tamil Nadu	8%	7%	No urban/rural distinction
Uttar Pradesh	7%	6%	Uniform across state
Gujarat	4.9%	4.9%	No gender distinction
Rajasthan	6%	5%	Uniform across state
Haryana	7%	5%	2% concession for women
Telangana	7.5%	7.5%	No gender distinction
West Bengal	7% / 6%	6% / 5%	Rest WB / Kolkata rates
Kerala	8%	6%	2% concession for women
Madhya Pradesh	7.5%	6.5%	Uniform across state
Punjab	7%	5%	2% concession for women
Andhra Pradesh	5%	5%	No gender distinction
Bihar	6.5%	5.5%	Uniform across state
Odisha	5%	4%	Uniform across state
Jharkhand	4%	3%	Uniform across state
Chhattisgarh	5%	4%	Uniform across state
Assam	8.25%	6.25%	2% concession for women
Goa	3.5%	2.5%	Lowest rates in India

Frequently Asked Questions

What is stamp duty on property in India?

Stamp duty is a tax levied by state governments on property transactions. It is paid when you register the sale deed or transfer deed at the sub-registrar office. Rates vary from 3% to 8.25% depending on the state, buyer gender, and property location (urban or rural). It is a one-time cost paid during property registration and serves as legal proof of the transaction.

Is stamp duty different for male and female buyers?

Yes, most Indian states offer a concession of 1-2% on stamp duty for female buyers. For example, in Delhi males pay 6% while females pay 4%. In Haryana, males pay 7% while females pay 5%. Registering property in a woman's name can save significant money — for a ₹1 crore property in Delhi, the savings would be ₹2 lakh.

What are registration charges in India?

Registration charges are fees paid to the sub-registrar office for legally recording the property transaction. Most states charge 1% of the property value as registration fees. Some states cap this at ₹30,000 for properties valued above ₹30 lakh. Registration is mandatory under the Indian Registration Act, 1908 for all property transfers.

Can I save on stamp duty by registering property in my wife's name?

Yes, in most states registering property in a woman's name attracts lower stamp duty. In Delhi, this saves 2% (6% vs 4%), and in Haryana it saves 2% (7% vs 5%). For a ₹1 crore property, the savings could be ₹1-2 lakh. The property will legally belong to the person in whose name it is registered.

Is stamp duty the same for residential and commercial property?

In most Indian states, the stamp duty rate is the same for residential and commercial properties. However, some states may levy additional surcharges or cess on commercial transactions. Agricultural land typically attracts lower rates in many states. Always check your state's specific schedule for the exact rate.

What is the stamp duty in Maharashtra in 2026?

In Maharashtra, stamp duty in Mumbai is 6% for all buyers with a 1% concession for women (effectively 5%). For the rest of Maharashtra, the rate is 7% for men and 6% for women. Registration charges are 1% of property value across the state. Mumbai rates include the metro cess already built in.

How is stamp duty calculated on property value?

Stamp duty is calculated on the higher of the transaction value (sale price) or the circle rate (government-assessed market value, also called guidance value or ready reckoner rate). You cannot reduce stamp duty by declaring a lower sale price than the circle rate. The sub-registrar verifies the circle rate before accepting the documents.

Can I claim stamp duty as tax deduction?

Yes, under Section 80C of the Income Tax Act, stamp duty and registration charges paid for a residential property can be claimed as a deduction up to ₹1.5 lakh in the year of purchase. This benefit is available only under the old tax regime. The new tax regime (default from Budget 2025) does not allow Section 80C deductions.

Related Calculators & Resources

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Capital Gains Calculator — Tax on property sale profits
Income Tax Calculator — Claim Section 80C deduction on stamp duty
Home Loan Guide — Complete guide to getting a home loan in India
Goal Savings Planner — Save for your house down payment

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Important Disclaimer: All content, calculators, government scheme details, tax slabs and investment information on this website are provided strictly for educational and informational purposes only. None of the information here constitutes financial, investment, tax, legal or insurance advice. Calculators use simplified models — actual stamp duty and registration charges depend on your state's current laws, circle rates, and property classification. Government rules, rates and exemptions may change. Always verify the latest rates on your state's official registration department website and consult a property lawyer or chartered accountant before proceeding. We make no warranty as to the accuracy or completeness of the information and accept no liability for any loss arising from its use.