Stamp Duty Calculator
Stamp duty and registration charges for your state.
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Enter your numbers to see the result.
This stamp duty calculator estimates what you pay to register a property purchase: stamp duty plus registration charges. Choose your state and whether the buyer is a man, a woman or joint owners. Typical rates fill in automatically, and you can edit them to match your state’s current notification. It shows the total and how much a woman buyer could save.
What is a Stamp Duty Calculator?
Stamp duty is a state tax on property transactions, and registration charges are the fee for recording the sale deed in government records. Together they usually add 5–10% to the price of a home, depending on the state, and must be paid before the property is registered in the buyer’s name.
Rates differ widely between states, and many states charge women buyers a lower stamp duty. Duty is usually calculated on the higher of the agreement value and the government’s circle rate (ready reckoner rate). This stamp duty calculator uses typical rates for major states that you can edit.
How does the Stamp Duty Calculator work?
Choosing a state and buyer type fills in typical stamp duty and registration rates, plus any registration cap. The calculator multiplies the property value by each rate, applies the cap, and adds them up.
Because states revise rates and some add cess, metro surcharge or local body charges, the rates stay editable.
How to use the Stamp Duty Calculator step by step
- Enter the property value: the higher of the agreement value and circle rate.
- Choose the state.
- Choose the buyer type.
- Check and edit the rates to match your state’s current notification.
- Read the total and the share of property value.
- Budget for it on top of your down payment.
Stamp Duty Calculator example with real numbers
You are buying a ₹50 lakh flat in Delhi in your own name. Delhi’s stamp duty is 6% for men and 4% for women, and registration is 1%.
| Example input | Value |
|---|---|
| Property value | ₹50,00,000 |
| State | Delhi |
| Buyer | Man |
| Stamp duty / registration | 6% / 1% |
| Example output | Value |
|---|---|
| Total stamp duty + registration | ₹3,50,000 |
| Stamp duty | ₹3,00,000 |
| Registration charges | ₹50,000 |
| As share of property value | 7.00% |
| Total cost of property | ₹53,50,000 |
The stamp duty calculator shows ₹3,50,000 in total: ₹3,00,000 of stamp duty and ₹50,000 of registration. Registering the flat in a woman’s name would cut stamp duty to 4%, saving ₹1 lakh.
Key features of this Stamp Duty Calculator
- 11 states with typical rates
- Man, woman and joint buyer options
- Editable rates and registration cap
- Total cost of property
- Share of property value
Who should use the Stamp Duty Calculator?
Who is this Stamp Duty Calculator for?
- Home buyers
- Property investors
- Real estate agents
- Families deciding whose name to register in
Practical use cases
- Budgeting for registration on a ₹50 lakh flat
- Comparing costs across states
- Seeing the saving from registering in a woman’s name
- Checking a builder’s cost sheet
Key benefits
- Plan cash: stamp duty is rarely covered by home loans.
- Compare: states and buyer types.
- Flexible: editable rates.
- Clear: total cost shown.
Tips for better results
- Check your state’s registration department portal for current rates.
- Stamp duty paid on a residential house qualifies for a deduction under the old regime, within the ₹1.5 lakh limit.
- Pay stamp duty through e-stamping or the state’s online system.
- Budget for legal fees and brokerage too.
Common mistakes to avoid
- Calculating on agreement value when circle rate is higher.
- Forgetting registration charges.
- Ignoring metro cess or surcharge.
- Assuming home loans cover stamp duty.
Limitations of this Stamp Duty Calculator
- Rates are typical and may not include all cess or surcharges.
- Rural, urban and slab-based variations within states are not modelled.
- Concessions for specific schemes are not included.
Stamp Duty Calculator vs other ways to calculate
| State | Men | Women | Registration |
|---|---|---|---|
| Delhi | 6% | 4% | 1% |
| Maharashtra | 5% | 4% | 1% (cap ₹30,000) |
| West Bengal | 5% | 5% | 1% |
| Tamil Nadu | 7% | 7% | 1% |
| Kerala | 8% | 8% | 2% |
For the full cost of buying vs renting, use the rent vs buy calculator. For the home loan, see the loan EMI calculator.
Privacy and data handling
This Stamp Duty Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
Stamp Duty Calculator FAQs
How is stamp duty calculated?
Property value (the higher of agreement value and circle rate) × the state’s stamp duty rate.
How much stamp duty on a ₹50 lakh property?
It depends on the state: about ₹3 lakh at 6% in Delhi for men, plus 1% registration.
Do women pay less stamp duty?
In many states, such as Delhi, Maharashtra, Uttar Pradesh and Haryana, women buyers get a lower rate.
Is stamp duty included in a home loan?
Usually not. Lenders finance the property price, so stamp duty and registration are paid from your own funds.
Can I claim tax deduction for stamp duty?
Yes, under the old regime, within the ₹1.5 lakh limit for the year you pay it.
Where can I check current rates?
On your state’s registration or revenue department portal.
Related tools
Sources and references
We checked the method and the current figures used in this Stamp Duty Calculator against these official and primary sources:
- National Generic Document Registration System (NGDRS)
- Maharashtra IGR
- West Bengal registration (wbregistration)
- Income Tax Department of India
Written and reviewed by the Qorico Team
