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Calculate stamp duty + registration charges by state. Includes women rebates and Section 80C tax savings.
Total Closing Costs (6.30%)
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| State | Male | Female | Reg | Total (M) |
|---|---|---|---|---|
| Maharashtra (Mumbai) | 6% | 5% | ₹30,000 | ₹6.30 L |
| Maharashtra (Pune / Thane / Nagpur) | 7% | 6% | ₹30,000 | ₹7.30 L |
| Karnataka (Bengaluru) | 5.6% | 5.6% | ₹2.00 L | ₹7.60 L |
| Delhi NCT | 7% | 5% | ₹1.00 L | ₹8.00 L |
| Tamil Nadu (Chennai) | 7% | 7% | ₹2.00 L | ₹9.00 L |
| Uttar Pradesh (Noida/Lucknow) | 7% | 6% | ₹1.00 L | ₹8.00 L |
| Haryana (Gurgaon urban) | 7% | 5% | ₹50,000 | ₹7.50 L |
| Telangana (Hyderabad) | 7% | 7% | ₹50,000 | ₹7.50 L |
| Gujarat (Ahmedabad) | 4.9% | 4.9% | ₹1.00 L | ₹5.90 L |
| Rajasthan (Jaipur) | 7.8% | 6.5% | ₹1.00 L | ₹8.80 L |
| Punjab (Chandigarh region) | 7% | 5% | ₹1.00 L | ₹8.00 L |
| Madhya Pradesh (Indore/Bhopal) | 7.5% | 7.5% | ₹3.00 L | ₹10.50 L |
| West Bengal (Kolkata) | 6% | 6% | ₹1.00 L | ₹7.00 L |
| Andhra Pradesh | 6.5% | 6.5% | ₹1.00 L | ₹7.50 L |
| Kerala | 8% | 8% | ₹2.00 L | ₹10.00 L |
| Bihar (Patna) | 6% | 5.7% | ₹2.00 L | ₹8.00 L |
| Odisha (Bhubaneswar) | 5% | 4% | ₹2.00 L | ₹7.00 L |
| Assam | 3% | 1% | ₹8.50 L | ₹11.50 L |
| Jharkhand (Ranchi) | 4% | 4% | ₹3.00 L | ₹7.00 L |
| Chhattisgarh (Raipur) | 5% | 4% | ₹4.00 L | ₹9.00 L |
| Uttarakhand (Dehradun) | 5% | 5% | ₹50,000 | ₹5.50 L |
| Goa | 4.5% | 4.5% | ₹3.50 L | ₹8.00 L |
Indicative rates for FY 2026-27 urban/municipal areas. Always verify with the local sub-registrar before transacting.
Save ₹1.00 L by registering in your wife's name in Maharashtra (Mumbai)
Many states charge women buyers less — Delhi, Haryana, Punjab, Rajasthan, UP, Maharashtra, Odisha, Assam and Uttarakhand on stamp duty, and Gujarat, Tamil Nadu and Chhattisgarh on the registration fee. Conditions (sole woman buyer, value caps) vary. Combine that with Section 80C deduction (up to ₹1.5L of the stamp duty + registration is deductible from your taxable income under the Old Tax Regime). For a ₹1 Cr flat in Delhi, women registration saves ~₹2 lakh upfront plus another ₹45k via 80C — total ₹2.45L.
Richify AI tracks your home loan, EMI, stamp duty, and net worth — and shows whether buying actually makes sense vs renting + investing.
Download Richify — 7-day free trialStamp duty is a state government tax levied on the registration of property documents under the Indian Stamp Act 1899 and respective state stamp acts. It validates the legal ownership transfer and provides admissible evidence in court.
Rates vary roughly 1-8% across states and buyer types. Registration fee (typically 1-2%) is separate and paid to the same sub-registrar office.
Both must be paid before the sale deed is registered — without registration, you don't legally own the property.
Yes — most states offer a 1-2% rebate on stamp duty if the property is registered solely in a woman's name (or jointly where the female is first co-owner in some states). Examples: Delhi (4% women vs 6% men), Haryana (5% vs 7% urban), Punjab (5% vs 7%), Rajasthan (5% vs 6% base duty), UP (1% off for property up to ₹1 crore, max ₹1 lakh), Maharashtra (1% off when women are the sole buyers), Assam (1% woman sole vs 3% men).
Some states cut the registration fee instead: Gujarat waives it for women sole buyers, Tamil Nadu charges women 1% (vs 2%) up to ₹10 lakh, Chhattisgarh halved it to 2%. Karnataka, Telangana, Kerala and Jharkhand have no women's concession.
Always check with the local sub-registrar for current rates.
Stamp duty is calculated on the HIGHER of (a) actual transaction value (sale agreement value) or (b) government-notified circle rate / ready reckoner rate / guidance value for that area. This prevents under-reporting.
If you negotiate a price below circle rate, you still pay duty on circle rate — and the difference may also attract income tax under Section 56(2)(x). Check the state's circle rate portal for your locality before computing duty.
Registration charges (typically 1-2% of property value; Maharashtra caps it at ₹30,000, Uttarakhand at ₹50,000, Punjab at ₹2 lakh, Haryana uses a rupee slab up to ₹50,000, while Assam charges 8.5% above ₹5 lakh) cover the actual document recording with the sub-registrar. On top: ₹100-1,000 in document writing fees, ₹500-2,000 in scanning/copy charges, and possibly ₹500-1,500 for an advocate or document writer.
Where registration is capped, total cost on high-value properties stays close to the stamp duty rate. Budget roughly 6-10% of the property price for total closing costs in Tier-1 cities.
Yes — stamp duty and registration charges paid for purchasing a residential house qualify under Section 80C of the Income Tax Act, within the overall ₹1.5 lakh annual cap. Conditions: (1) Must be a self-occupied residential property (not commercial / not let-out / not under-construction beyond completion year). (2) Claim only in the financial year of payment — cannot be carried forward. (3) Old Tax Regime only — New Regime doesn't allow 80C.
Many homebuyers miss this — file ITR-1/2 with Section 80C to capture it.
In Mumbai the rate is 6% (5% stamp duty + 1% metro cess). In other municipal corporations such as Pune, Thane and Nagpur it is 7% (5% + 1% local body tax + 1% metro cess).
Women get 1% off when they are the sole buyers. Registration is 1%, capped at ₹30,000.
Maharashtra also briefly cut stamp duty to 2-3% during 2020-21 COVID stimulus, driving record property registrations. Mumbai contributes ~30% of all-India stamp revenue.
Compare to Delhi (6% men / 4% women, plus 1% MCD transfer duty above ₹25 lakh) and Karnataka (about 5.6% + 2% registration).