It is a state tax on property transfers, charged as a percentage of the property value. You pay it when you sign the sale deed.

Do women pay less stamp duty?

In several states, yes. Delhi, Maharashtra, Uttar Pradesh, Haryana and Rajasthan have lower rates for women buyers. Choose the buyer in the calculator to see the difference.

Can I include stamp duty in my home loan?

Usually no. Banks lend against the property value, and you pay stamp duty and registration from your own savings.

Stamp duty and registration calculator

On top of the price of a home, you pay the state two charges. Stamp duty is a percentage of the property value. The registration fee records the sale in your name. A few cities also add a metro cess. Rates differ from state to state, and several states charge women buyers less. Pick your state, enter the property value and choose the buyer. You will see the duty, the registration fee, the cess and the total. The rates here are indicative and come from public sources. Each state page shows the date and the source. Real charges can differ by city, by the age of the property and by whether you buy from a builder or a resale owner. Add this total to your down payment budget. Your sub-registrar office has the final figure.

Property value

₹

State

Buyer

Stamp duty: ₹2,50,000
Registration fee: ₹30,000
Metro cess: ₹50,000
Total to pay: ₹3,30,000

Indicative. Rates differ by city, property type and buyer, and change often. Check with the sub-registrar before you pay.

Common questions

What is stamp duty?: It is a state tax on property transfers, charged as a percentage of the property value. You pay it when you sign the sale deed.
Do women pay less stamp duty?: In several states, yes. Delhi, Maharashtra, Uttar Pradesh, Haryana and Rajasthan have lower rates for women buyers. Choose the buyer in the calculator to see the difference.
Can I include stamp duty in my home loan?: Usually no. Banks lend against the property value, and you pay stamp duty and registration from your own savings.