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Stamp Duty & Registration Calculator
Calculate stamp duty, registration fees, and GST charges for your property purchase across Indian states.
Fast estimates
Clear breakdown
Planning friendly
Best for
All property buyers
Includes
GST if applicable
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Before you calculate
- Stamp duty rates vary by state, property value, and buyer's gender.
- Some states offer concessions for women buyers (e.g., Delhi, Rajasthan).
- GST of 5% applies to under-construction properties; ready-to-move are GST exempt.
- Update the stamp duty and registration rates to match your state's latest rates.
Stamp Duty & Registration: What You Need to Know
Stamp duty and registration charges are mandatory costs when buying property in India. They vary by state and can add 5–10% to your total cost.
1. Budget for on-road property cost
This calculator converts the quoted property value into a realistic on-road cost by adding stamp duty, registration and GST (where applicable). Use the total cost output when deciding down payment and home loan needs.
2. Check state-wise concessions and rules
Stamp duty slabs and gender-based concessions vary by state and change over time. Always confirm the latest notifications or consult your registrar/agent so that the percentages you use here are current.
How stamp duty and registration rates work in India
Stamp duty is a state government tax on the transaction value and must be paid before or at registration. Rates vary by state (3–7% for residential), property type, buyer gender, and whether the property is urban or rural. Registration fee — paid to the sub-registrar for legally recording ownership — is additional, typically 1% in most states with a cap in some states.
Women buyer concessions and how to claim them
Several states offer reduced stamp duty for properties registered in a woman's name: Delhi (4% vs 6% for males), Rajasthan (5% vs 6%), Haryana, Punjab among others. To avail this, the woman must be the primary owner or a co-owner. Verify the current rates with the state's stamp and registration authority before executing the sale deed — rates change periodically.
GST on under-construction vs ready-to-move properties
Under-construction properties attract GST at 5% of the agreement value (1% for affordable housing units below ₹45 lakh). Ready-to-move apartments with an Occupancy Certificate obtained before sale are exempt from GST. Verify certificate status before signing — the 5% difference is a significant cost item that many buyers overlook.
Circle rate vs agreement value and legal risk
Stamp duty is calculated on the higher of the government's guidance value (circle rate) or the actual agreement value. Registering below circle rate is illegal — the sub-registrar will reject or revise the transaction. Buying below circle rate can also attract capital gains tax and income tax scrutiny for both buyer and seller under Sections 50C and 56(2)(x).
Frequently Asked Questions
Can I avoid or reduce stamp duty legally?
You cannot avoid stamp duty — it is a mandatory government levy. However, you can legally reduce it by registering in a woman's name (concession in many states), buying under an affordable housing scheme, or timing purchase during state government festive concessions. Undervaluing the property to save stamp duty is illegal.
Who legally pays stamp duty — buyer or seller?
Stamp duty in India is the buyer's legal responsibility unless specifically agreed otherwise in the sale agreement. The buyer pays it before or at registration. Some agreements share costs, but legally the buyer bears the obligation.
Is GST charged on all property purchases?
No. GST of 5% (1% for affordable housing) applies only to under-construction properties where the occupation certificate has not been issued before sale. Ready-to-move apartments with a valid OC are GST-exempt. Clarify OC status before signing — some developers quote all-inclusive prices that blend GST in.
Are stamp duty charges included in the home loan amount?
No. Banks do not fund stamp duty, registration fees, or GST on property purchases. These must be paid from your own funds at registration. For a ₹75 lakh property, total registration costs can reach ₹5–8 lakh in a typical state — a significant outflow over and above your EMI down payment.