Stamp Duty & Registration Calculator
Key Takeaway
Stamp duty in India ranges from 4% to 8% of the property's agreement value or circle rate (whichever is higher). Many states offer 1–2% concessions when property is registered in a woman's name.
Stamp Duty & Registration Calculator
Estimate the government registration charges and stamp duty for your property purchase.
Cost Breakdown
What to do next
Based on your Stamp Duty & Registration Calculator, here are the tools you should try next:
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The Hidden Closing Cost
Buyers hyper-fixate on the property price and completely forget the massive chunk of cash the State Government demands just to register the sale. Stamp Duty (4-8%) and Registration (1%) must be paid upfront in cash; banks rarely include them in your home loan.
The Last-Minute Panic: Ankit's Shortfall
He successfully got a ₹60 Lakh loan approved. He thought he was ready to move in.
A week before registration, his lawyer calls. "Ankit, you need to bring the Demand Drafts for Stamp Duty."
Ankit lives in Maharashtra.
- Stamp Duty (6% of ₹75L): ₹4.5 Lakhs.
- Registration Fee (1% of ₹75L): ₹75,000.
- **Total Cash Required: ₹5.25 Lakhs.**
Ankit panicked. He had already given his entire ₹15 Lakh savings as a down payment. He had zero cash left for the government fees. He was forced to take a high-interest personal loan of ₹6 Lakhs at 15% just to close the deal.
Always calculate your total closing costs *before* deciding your down payment size.
Frequently Asked Questions
What is stamp duty?
Stamp duty is a legal tax payable to the state government when buying a property. It acts as legal evidence of the transaction and is mandatory for registering the property in your name.
Do women get a discount on stamp duty?
Yes, several Indian states (like Maharashtra, Delhi, and Haryana) offer a 1% to 2% concession on stamp duty if the property is registered exclusively in a woman's name or jointly with a woman.
Is stamp duty eligible for tax deduction?
Yes, under Section 80C of the Income Tax Act, you can claim a deduction for stamp duty and registration charges paid, up to the overall limit of ₹1.5 Lakhs, in the year the payment is made.
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