⚠️ These figures are indicative, not final
Effective stamp duty and registration charges vary by city, and often include municipal cess and local body surcharges — for example Mumbai's metro cess and LBT — that stack on top of the state base rate shown here. This calculator applies only the state-level base rate to the agreement value you enter. Always confirm the exact amount payable at your local sub-registrar's office before making payment.
How stamp duty is actually calculated
Stamp duty is a state government levy charged when a property changes hands, paid at the time of registering the sale deed. By law, it is charged on the higher of two values: the agreement value (what you're actually paying the seller) or the government's circle rate — also called the ready-reckoner rate or guidance value — notified for that locality. If the circle rate for the property's area works out higher than your agreement value, stamp duty is charged on the circle rate instead, and you cannot pay less by simply agreeing a lower price on paper. This calculator only models the agreement value you enter — it has no way to know the circle rate for your specific locality, so treat its output as a starting point, not a substitute for checking the actual circle rate that applies to your property.
What the registration fee cap means
Registration charges are usually a flat percentage of the property value (commonly 1%), but several states cap the maximum amount payable regardless of how expensive the property is. For example, if a state's registration fee is 1% with a cap of ₹30,000, then on a ₹80 lakh property the uncapped 1% would work out to ₹80,000 — but because the cap applies, you only pay ₹30,000. On a cheaper ₹20 lakh property in the same state, 1% is ₹20,000, which is below the cap, so the full 1% applies and the cap makes no difference. The calculator above applies this cap automatically wherever it exists in a state's rules.
Why some states charge women buyers less
Several states offer a lower stamp duty rate — typically 1 to 2 percentage points less — when the property is registered solely (or, in some states, jointly) in a woman's name. The stated rationale is to encourage property ownership among women, since owning property in one's own name carries legal and financial benefits beyond the immediate purchase. The concession amount and eligibility rules (sole ownership vs. joint ownership, minimum share required) differ by state, so always verify the specific rule for your state before assuming a joint purchase qualifies.
Stamp duty vs. GST on under-construction property
Stamp duty and GST are two entirely separate levies charged for different reasons, and buyers often confuse the two. Stamp duty is charged on every property transaction — resale or under-construction — because it is a duty on transferring legal ownership, collected by the state government. GST, on the other hand, is a central levy that appliesonly to under-construction property bought directly from a builder or developer, because GST is charged on the service of construction, not on land or a completed, already-built structure. Once a property receives its completion certificate and is sold as a finished/resale unit, GST no longer applies to it — but stamp duty still does, at the same rate as it would for an under-construction unit in that state.