₹75 lakh in Maharashtra
Stamp duty 5% = ₹3,75,000. Registration 1% = ₹75,000, capped at ₹30,000. Total ₹4,05,000, or 5.4%.
Stamp duty and registration calculator
These are indicative rates for a resale or new residential flat, and they change often. Many states give concessions to women buyers or add a surcharge or cess. Charges are on the higher of the agreement value and the circle (ready reckoner) rate, so enter whichever is higher. Confirm with the sub-registrar's office.
State
75 lakh
%
%
30 thousandEnter 0 for no cap.
Stamp duty and registration
₹4,05,000
That is 5.40% on top of the price. Budget it as cash: it is usually not part of the home loan.
- Stamp duty
- ₹3,75,000
- Registration
- ₹30,000
- Price plus charges
- ₹79,05,000
How stamp duty and registration add to your home cost
When you buy a property in India you pay the seller, but you also pay the state. Stamp duty makes the agreement legally valid, and a registration fee records the transfer in your name. Together they usually come to 5 to 8% of the property value.
On a ₹75 lakh flat in Maharashtra, stamp duty at 5% is ₹3.75 lakh, and registration at 1% would be ₹75,000 but is capped at ₹30,000. That is about ₹4.05 lakh in all, or 5.4%. In Delhi, with 6% and 1%, the same flat costs ₹5.25 lakh in duty and fees. Tamil Nadu's 7% and 2% would be ₹6.75 lakh.
The figure many buyers miss is the circle rate. Each state sets a minimum value per square metre for a locality, and duty is charged on that or the deal price, whichever is higher. A negotiated price below the circle rate still attracts duty on the circle value.
This is cash you need at registration. Banks typically fund only the property, so keep it apart from your down payment. The calculator shows the total and the price plus charges.
Sources
What this calculator does not account for
- Concessions for women buyers, and cess or local body duties.
- Rates that change by notification; the state portal is the source.
- Legal, brokerage and society transfer fees.
How this is calculated
Formula: Charges
total =value × stamp% + min(value × registration%, cap)What the symbols mean
- valueThe higher of the agreement price and the circle (ready reckoner) rate.
- capA maximum on the registration fee, where the state sets one.
Good to know
- Stamp duty is usually paid in cash or e-stamp. It is not normally funded by the home loan.
- Add the result to your plan in the rent vs buy calculator.
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Worked examples
Each example is worked out by the same code as the calculator above.
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<iframe src="/embed/stamp-duty" title="Stamp duty" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
What value is stamp duty charged on?
The higher of what you agreed to pay and the government's circle rate for the area. Buying below circle rate does not reduce your duty.
Do women pay less stamp duty?
Several states give women buyers a discount of about 1 percentage point. Rules differ, so check the state's current notification.
Can stamp duty be claimed for tax?
Under the old regime, stamp duty and registration can count towards the Section 80C limit in the year you pay them.
Is stamp duty refundable?
Only in narrow cases, such as a cancelled deal, and usually within a time limit.