Stamp Duty Calculator computes the exact stamp duty + registration cost on an Indian property purchase, with state-specific rates for all 29 states + Delhi and gender-based concessions for women buyers. Includes joint-registration savings, metro-cess additions and the legal notes you need at the sub-registrar's office.
Stamp Duty & Registration Calculator (All Indian States)
Reviewed by Nas, PropyMart AI · AI Property Advisor · Last updated 2026-08-21
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How do I use the Stamp Duty?
- All 29 states + Delhi with 2025–26 official rates
- Gender concession: women save 1–2% in 14+ states
- Joint registration savings clearly broken out
- Metro cess (Mumbai, Pune, Nagpur) included
- One-line statutory note for sub-registrar prep
How does the Stamp Duty compare to similar tools?
What questions does the Stamp Duty answer?
What is stamp duty on property in Maharashtra in 2026?
6% for men, 5% for women in most municipal areas; 1% metro cess on top in Mumbai, Pune and Nagpur. Women joint-buyer registration unlocks the 5% rate.
Which Indian state has the lowest stamp duty?
Goa at 3.5% uniform. Gujarat is the lowest among major states at 4.9%. Jharkhand has the lowest women-rate at 3%.
Do women get a stamp duty concession?
Yes in 14+ states. Typical concession is 1–2% off the male rate — Delhi (2%), Haryana (2%), Punjab (2%), Maharashtra (1%), UP (1%), Rajasthan (1%), West Bengal (1%).
Is registration charge separate from stamp duty?
Yes — registration is typically 1% of the property value (capped at ₹30,000 in many states). Both are paid at the sub-registrar to register the sale deed.
Can stamp duty be financed via home loan?
No. Banks fund only the property cost up to 80–85% LTV. Stamp duty + registration is an additional ~7–10% the buyer must bring as own funds.
What happens if I undervalue the property to save stamp duty?
The sub-registrar applies the state Ready Reckoner / Circle Rate. If your declared price is below the circle rate, duty is charged on the higher of the two — and you may face penalty + tax notice.
Is stamp duty refundable if the deal falls through?
Partially — most states refund 90% of stamp duty within 6 months of the deed cancellation, subject to filing the prescribed refund application with the sub-registrar.
Do gift deeds need stamp duty?
Yes, but at a heavily reduced rate (₹500–₹5,000 flat or 1–2%) when gifted to specified relatives. Check your state schedule before drafting the deed.