Stamp Duty Calculator - Property Registration Fee Planner

Calculate state-wise stamp duty and registration fees for property buying in India.

Reviewed for Budget 2025 • Last updated 22 June 2026 • by Sandesh D.

Property Details

Property Market Value (Agreement Value)₹50,00,000
₹
Buyer / Owner Type
Property Location

Registration Costs Breakup

Stamp Duty: 6%Registration: 1%, capped
Total Out-of-Pocket Charges₹3,30,000
Stamp Duty Amount (6%)₹3,00,000
Registration Charges (1%, capped at ₹30,000)₹30,000
Total Property Cost (incl. charges)₹53,30,000
💡 Note: Registration charges are capped in certain states. E.g., Maharashtra caps it at ₹30,000, UP at ₹20,000, and Haryana at ₹50,000.
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Calculation Methodology & Rules

The Stamp Duty Calculator helps property buyers estimate the additional transaction tax and registration fees payable during property acquisition in major Indian states. Read our full data comparison study: Stamp Duty Across Indian States (Full 2026 Comparison).

Factors Affecting Stamp Duty

  • State Jurisdiction: Stamp duty is a state subject in India, so rates vary drastically from state to state (ranging from 3% to 8%).
  • Owner's Gender: States like Delhi, Maharashtra, Rajasthan, Uttar Pradesh, and Haryana offer discounted rates (usually 1-2% lower) for female owners.
  • Area Classification: Properties in urban municipal limits generally attract higher stamp duty than rural areas due to additional municipal surcharges.
  • Property Market Value: West Bengal, for example, increases stamp duty rates by 1% for properties valued above ₹1 Crore.

Calculation Example (Maharashtra - Urban Male)

For a property valued at ₹50,00,000 in Mumbai:

  • Stamp Duty (6%): ₹3,00,000
  • Registration Fee (1% capped): ₹30,000 (instead of ₹50,000, due to Maharashtra's ₹30,000 registration fee cap)
  • Total Out-of-Pocket Charges: ₹3,30,000

To check how these additional costs affect your overall home-buying budget, try our Home Affordability Calculator.

For detailed rules, formulas, references, and official guidelines, see the complete Ganakam Calculation Methodology.

Frequently Asked Questions

Stamp duty is a state government tax levied on property transactions. Paying stamp duty is legally mandatory to register the sale deed and transfer the property title to the buyer. Unregistered properties hold no legal validity in court.

Yes, many Indian states offer a 1% to 2% concession on stamp duty rates if the property is registered solely in a woman's name, or under joint ownership with a female co-owner, to encourage women homeownership.

The registration fee is charged by the sub-registrar to record the property deed. It is typically 1% of the property value, but some states like Maharashtra (capped at ₹30,000), Uttar Pradesh (capped at ₹20,000), and Haryana (capped at ₹50,000) apply flat caps.

Generally, no. Reserve Bank of India (RBI) guidelines restrict banks from including stamp duty, registration charges, and other transaction costs in the home loan LTV (Loan-to-Value) calculation. These costs must be funded out-of-pocket.