Disclaimer: This comparison study is for general informational and educational purposes only. Stamp duty and registration charges vary by locality, municipal area, and property type, and are revised periodically by state governments. Please verify with the local sub-registrar office.
Stamp Duty Across Indian States: Full 2026 Comparison
Direct Answer: Stamp duty in India is a state tax that varies between 3% and 8% of the property value, while registration fees typically add another 1% to 4%. For standard urban deeds, **Tamil Nadu has the highest transaction cost** (~11% all-in), whereas **Gujarat is the cheapest for women** (3.9% stamp duty + 0% registration fee). On a ₹1 Crore property, your state jurisdiction can swing upfront statutory costs by **₹3.9 Lakhs to ₹11 Lakhs**.
Calculate your exact stamp duty and registration: Select your state, property price, location type, and buyer gender in our interactive Stamp Duty Calculator to estimate your exact upfront costs.
Tier 1: Stamp Duty & Registration Rates in Major States
The table below lists standard urban residential sale deed charges for India's highest-volume real estate markets, compiled from official state department portals:
| State / UT | Stamp Duty (Male / General) | Stamp Duty (Female) | Registration Fee | Key State Nuance |
|---|---|---|---|---|
| Maharashtra | 4% to 7% | 3% to 6% | 1% (Capped at ₹30,000) | Area-based: Mumbai is 6%/5%; Pune/Thane/Nagpur/Navi Mumbai are 7%/6%; Gram Panchayat is 4%/3% |
| Karnataka | 2% to 5.6% (effective) | same (no gender concession) | 2% | Slab-based: 2% (≤₹20L), 3% (₹20–45L), 5% (>₹45L) + cess/surcharge; registration fee doubled to 2% since Aug 2025 |
| Delhi | 6% | 4% | 1% | Joint ownership (M+F) is charged a blended 5% rate |
| Tamil Nadu | 7% | 7% | 4% | Highest registration fee in India, leading to ~11% all-in; no gender concession |
| Telangana | 5.5% to 7% | same (no concession) | 0.5% (Urban, capped at ₹50,000) / 2% (Rural) | Consolidated total: ~6% urban, ~9% rural; includes 1.5% transfer duty |
| Uttar Pradesh | 7% | 6% | 1% (Capped at ₹20,000) | Female 1% concession applies only on property values ≤₹1 Crore |
| Gujarat | 4.9% | 3.9% | 1% (Male/Joint) / 0% (Sole Female) | Female sole buyers get a 1% stamp duty concession and are fully exempt from the registration fee |
| Rajasthan | 7.2% (effective) | 6% (effective) | 1% | Base rates (6% male / 5% female) are subject to a 20% labour cess surcharge on the duty |
| Haryana | 7% (Urban) / 5% (Rural) | 5% (Urban) / 3% (Rural) | 1% (Capped at ₹50,000) | Offers a significant 2% concession for female buyers; Joint is 6% Urban / 4% Rural |
| West Bengal | 5% to 7% (Urban) / 4% to 6% (Rural) | same (no concession) | 1% | Slab-based: Urban is 5% (≤₹50L), 6% (₹50L–1Cr), 7% (>₹1Cr); Rural is 1 ppt lower per band |
Tier 2: Rates in Additional States
Here is a starting reference for rates in additional Indian states.
⚠️ Verification Note: Tier-2 state figures are estimates and subject to local updates. Always verify on the state IGR portal before publishing or transacting. Assam rates in particular have highly conflicting sources and must be confirmed directly.
| State | Estimated Stamp Duty Rate | Female Concession | Registration Fee | Key Notes |
|---|---|---|---|---|
| Andhra Pradesh | 6.5% | None | 1% | Includes a 1.5% transfer duty |
| Kerala | 8% | None | 2% (Capped at ₹40,000) | High base stamp duty rate |
| Madhya Pradesh | 7.5% | None | 3% | No female concession; municipal/janpad/upkar cess are bundled into the base duty |
| Punjab | 7% | 2% concession (Female: 5%) | 1% | Joint rate is 6%; subject to additional social infrastructure cess |
| Bihar | 6.3% | 0.6% concession | 2% | Concession rate for women is 5.7% (Male is 6.3%) |
| Chhattisgarh | 5% | 1% concession | 4% | Joint rate is 4%; high registration fee rate |
| Uttarakhand | 5% | 1.25% concession | 2% | Female rate is 3.75%; registration is 2% |
| Goa | 3.5% to 6% | None | 3% | Slab-based stamp duty by value (3.5% to 6%); registration fee is 3% flat |
| Odisha | 5% | 1% concession | 2% | Female rate is 4%; Joint rate is 4.5% |
| Assam | 6% | 1% concession | 1% | High uncertainty rate. Female rate estimated at 5% (verify on portal) |
Key Takeaways for Property Buyers
- The Woman Owner Benefit: In states like Delhi or Haryana, registering a property in a woman's name or under joint ownership saves ₹1 Lakh to ₹2 Lakhs in tax on a ₹1 Crore home.
- The Circle Rate Rule: You cannot reduce your stamp duty tax by under-declaring property prices. Lenders and state registries calculate stamp duty on the **higher of the actual sale price or the circle rate** (minimum valuation rate set by government).
- Budgeting for Out-of-Pocket Costs: Because banks are barred by the RBI from funding stamp duty and registration fees as part of a home loan, you must plan to cover these costs entirely out-of-pocket. Check your borrowing headroom with the Home Loan Eligibility Calculator.
- Tax Deductions (Old Regime Only): You can claim stamp duty and registration payments as a deduction under Section 80C, up to a limit of ₹1.5 Lakhs, in the year you buy the property. This benefit is unavailable under the New Tax Regime. Compare regimes using the Old vs New Tax Regime Guide or plan deductions in the Section 80C Tax Saving Guide.
Official references: Guidelines on stamp duty are sourced from the respective state registration departments: Department of Registration and Stamps (Maharashtra), Kaveri (Karnataka), tnreginet (Tamil Nadu), DORIS (Delhi), and IGRS UP (Uttar Pradesh).