Stamp Duty Calculator India
Estimate stamp duty, rebates, cess, registration charges and purchase cash needs on the higher of your agreement value or current official value. Every rate remains visible and editable.
Last Updated: July 23, 2026
Estimate Stamp Duty and Registration Charges
This calculator is designed for an Indian property sale or conveyance. Obtain the exact rates for your property, buyer category and document from the relevant state portal, then enter them below.
Why rates stay editable: A single state-wide percentage can be wrong. Municipal area, rural location, document type, property use, buyer category, value slab, surcharge, fee cap and a current notification can change the amount.
Calculation breakdown
| Component | Calculation basis | Rate or rule | Estimated amount |
|---|---|---|---|
| Calculate to view the charge breakdown. | |||
What Is a Stamp Duty Calculator?
A stamp duty calculator estimates the government charges connected with recording a property transfer. For an ordinary purchase, these charges can include stamp duty on the sale deed, a local cess or transfer duty, a registration fee and fixed filing charges. The rates and rules come from the state or Union Territory where the property is located.
This tool does not assume that one percentage applies throughout a state. You enter the current legal inputs after checking the official portal. The calculator then performs the arithmetic, applies an entered rebate cap, respects a registration-fee minimum or maximum, and keeps central income-tax items separate from state registration charges.
How to Use This Calculator
- Select the state or UT, buyer category and property type. Open the official verification link shown under these fields.
- Enter the agreement value and the current circle, guidance, collector or ready-reckoner value for the exact property.
- Enter the gross stamp-duty rate. If the authority gives a lower final rate for your category, enter that lower rate and leave the rebate at zero.
- If the rule instead grants a separate rebate, enter the rebate percentage and its monetary cap. The calculator will not allow the rebate to exceed gross duty.
- Add any cess, transfer duty or surcharge. Choose whether the official rule applies it to property value or to net stamp duty.
- Enter the registration-fee rate, minimum, cap, fixed filing amount and any separate mandatory government levy.
- Select your tax regime and existing Section 80C use. Choose the seller status to screen property-purchase TDS.
- Review the assessable value, itemized charges, cash outlay and warnings. Confirm the final amount on the state portal or with the Sub-Registrar.
Stamp Duty and Registration Formula
The first step is to identify the assessable value. State systems commonly compare the transaction consideration with the applicable official market value. The higher figure controls the percentage-based estimate in this calculator.
Worked example
Assume a Delhi residential purchase with an agreement value of ₹80 lakh and an official value of ₹75 lakh. The higher value is ₹80 lakh. Using the example inputs of 6% stamp duty for a male buyer, 1% registration fee and a ₹100 fixed charge, stamp duty is ₹4.80 lakh and registration is ₹80,000. Total government charges are ₹5,60,100. The estimated cash outlay is ₹85,60,100 before legal, brokerage, loan, maintenance, GST or moving costs.
Because the higher relevant value is at least ₹50 lakh and the example assumes a resident seller, the separate property-purchase TDS screen shows ₹80,000 at 1%. The buyer generally withholds this from payment to the seller. It is not another ₹80,000 added to the purchase price.
Why the Higher Property Value Matters
The agreement price records what the parties agreed to pay. The state’s official value uses a location and property classification to set a minimum reference for stamp purposes. Depending on the state, it may be called circle rate, guidance value, guideline value, collector rate, district-level committee rate, jantri rate or ready-reckoner value.
If the official value exceeds the agreement price, entering only the agreement price can understate duty and registration fees. The calculator therefore displays the difference in government charges caused by the higher official value. That difference is an arithmetic estimate under your inputs, not a ruling that the authority has classified the property correctly.
Check the zone, road, floor, construction type, land use, age adjustment, parking, built-up area and effective date used by the authority. An incorrect property category can matter more than a small percentage difference.
State-Wise Official Stamp Duty Tools
Use the relevant government source before registration. Some portals calculate charges only after you select district, local body, deed type and property details. The links below are verification starting points, not endorsements of a single rate.
| State or UT | Official portal | Important local inputs |
|---|---|---|
| Maharashtra | IGR Maharashtra | Ready-reckoner zone, municipal limits, metro cess, buyer concession and registration cap |
| Delhi | Delhi Revenue | Circle rate, use category, construction factors and buyer category |
| Uttar Pradesh | IGRSUP e-calculator | District, locality, tehsil, market value, deed type and concession eligibility |
| Karnataka | Kaveri Online Services | Property guideline value, document article, cess, surcharge and current registration fee |
| Tamil Nadu | TNREGINET | Guideline value, deed type, composite transaction rules and fee notification |
| Telangana | Registration and Stamps | Market value, urban or rural local body, transfer duty and fee limits |
| Gujarat | GARVI stamp-duty calculator | Jantri value, article, buyer eligibility and registration-fee treatment |
| West Bengal | WB duty and fee calculator | Urban or rural local body, market value, value slab and user charges |
| Rajasthan | ePanjiyan Rajasthan | DLC rate, buyer category, document type, surcharge and registration fee |
| Haryana | Haryana Jamabandi | Urban or rural location, collector rate, buyer category and fee slab |
| Madhya Pradesh | MPIGR and SAMPADA | Market value, deed category, local-body duty and registration charge |
| Punjab | Punjab Land Records | Collector rate, local levies, buyer category and any time-limited notification |
How Buyer Concessions and Fee Caps Work
Some states provide a lower duty rate or a capped rebate for eligible buyers. The legal wording matters. A lower rate should go directly into the gross duty-rate field. A rebate from the normal rate should use the separate rebate field. Do not enter both unless the notification clearly grants both benefits.
Joint ownership does not always receive the same concession as sole female ownership. The first-named buyer, ownership share, relationship, property value, document type or property use can affect eligibility. A concession announced in a budget speech also needs an effective notification before it should be treated as payable law.
Registration fees can use an ad valorem percentage, a value slab, a minimum, a maximum or a fixed amount. Enter a percentage and cap when the current rule uses both. If the portal provides one final registration amount from a slab table, set the percentage to zero and enter that final amount as another mandatory government levy for planning.
Tax Checks Kept Separate from Stamp Duty
Section 80C for a residential house
Official income-tax guidance includes stamp duty, registration fee and certain transfer expenses for a residential house within Section 80C. The deduction shares the overall ₹1.5 lakh limit with other eligible investments and payments. The calculator shows unused-limit potential only when you select the old tax regime and a completed residential house or flat. It does not calculate income-tax savings.
The new tax regime does not permit an ordinary Section 80C claim. A plot, commercial property or other asset should not be treated as automatically eligible. Claim timing, ownership, possession, payment evidence and an early transfer can affect the final treatment, so confirm the return position with a tax professional.
Property-purchase TDS
For a purchase from a resident seller, current official guidance requires 1% TDS on the higher of consideration or stamp-duty value when that higher amount is at least ₹50 lakh, excluding qualifying rural agricultural land. A purchase from a non-resident seller follows a different withholding framework, so this calculator does not estimate it.
TDS is normally deducted from the amount payable to the seller and deposited through the current prescribed process. It is a compliance and cash-flow item, not part of the state stamp-duty total. Multiple buyers, multiple sellers, instalments and missing PAN details need additional care.
Costs This Calculator Does Not Add
- GST on an under-construction property or construction agreement
- Home-loan processing, legal, technical, mortgage or memorandum charges
- Brokerage, advocate, document writer, society transfer or facilitation fees
- Advance maintenance, corpus fund, utility deposits, parking or club charges
- Mutation, khata, patta, conversion, development or betterment charges
- Penalties, deficit duty, adjudication costs or interest for late payment
Add these separately only after you obtain current written figures. A lender may finance part of the property price but may not fund every registration or transaction cost. Plan the required cash before signing the agreement.
Pre-Registration Checklist
- Confirm title, encumbrances, seller identity, approvals and authority to transfer.
- Download or record the current official value for the correct property classification and effective date.
- Use the exact deed type. A sale deed rate must not be copied to a gift, lease or family settlement.
- Verify every concession condition and ownership share before structuring joint ownership.
- Match the portal assessment slip with the draft deed, consideration, area and payment plan.
- Check resident or non-resident seller status and the current property TDS filing process.
- Keep e-stamp, registration, TDS and payment records for tax and future-sale cost documentation.
Related Property Calculators
Frequently Asked Questions
How accurate is this stamp duty calculator?
The arithmetic is based on your inputs. Legal accuracy depends on using the current official value, deed type, rates, concessions, surcharge basis, fee caps and property classification from the relevant authority.
Is stamp duty based on agreement value or circle rate?
This calculator uses the higher of the agreement value and entered official value. State terminology and valuation procedures differ, so verify the authority’s assessment for the exact property.
Do women buyers always get lower stamp duty?
No. Concessions differ by state and can depend on ownership share, value, location, deed type and notification conditions. Enter the verified reduced rate or capped rebate, not a national assumption.
Does the result include registration charges?
Yes. It includes the entered registration percentage, minimum, maximum, fixed fee and other government levy. It excludes private professional and transaction costs unless they are added separately outside this tool.
Can I claim stamp duty under Section 80C?
Stamp duty and registration expenses for an eligible residential house can fall within the shared ₹1.5 lakh Section 80C limit under the old regime. The ordinary deduction is unavailable under the new regime. Confirm your facts and year of claim.
Is property-purchase TDS an extra cost?
Usually no. For a qualifying purchase from a resident seller, the buyer withholds the applicable amount from payment to the seller and deposits it with the government. It is shown separately from purchase charges.
Does a home loan cover stamp duty and registration?
Do not assume it does. Loan funding and loan-to-value treatment depend on lender policy, property valuation and regulation. Ask the lender for a written funds-at-closing statement and keep sufficient cash available.
Is GST included in stamp duty?
No. GST, where applicable to an under-construction property or related supply, is a separate tax. Stamp duty and registration charges follow state law and should be budgeted separately.
Why can rates differ within the same state?
Local-body area, document type, property use, value slab, buyer category, surcharge, fee cap and a current notification can change the result. Official portals often require detailed location and deed inputs for this reason.
Official References
- Delhi Revenue: property registration value and fee guidance
- Uttar Pradesh IGRSUP: official stamp and registration calculator
- Karnataka Registration Department: Kaveri valuation and duty services
- West Bengal Registration: stamp duties and fees
- Haryana Jamabandi: stamp duty and registration fee schedule
- Income Tax Department: Section 80C and residential transfer expenses
- Income Tax Department: AY 2026-27 validation rules and new-regime deductions
- Income Tax Department: TDS on purchase of immovable property
Financial, tax and legal disclaimer: This calculator and article provide general educational estimates for property purchases in India. They do not determine legal duty, verify title or valuation, issue an assessment slip, prepare a deed, calculate non-resident withholding, file a tax form or replace advice from the Sub-Registrar, tax professional or property lawyer. Verify every rate, value, concession, fee, tax rule and document before payment or registration.