Stamp Duty Calculator
Estimate stamp duty and registration on property value. Rates vary by state — set your rate.
Charges
Stamp duty and registration fees vary by Indian state, city, buyer category, property type, and transaction value. Enter the property value and rate shown by your state portal or agreement draft to estimate the upfront cash needed before registration.
What is this calculator?
Stamp duty is the government duty paid on property transfer documents such as a sale deed. Registration fee is a separate charge for registering that document. These charges are usually paid in addition to down payment, brokerage, legal fees, and home-loan processing charges.
Formula
Stamp duty = Property value x stamp duty rate. Registration fee = Property value x registration fee rate. Total government charges = stamp duty + registration fee + any fixed surcharges or cess entered separately.
Example
Another example
Assumptions and disclaimers
Updated context: 2026
- •Rates are user-entered because state rules change and buyer-category concessions vary.
- •Circle rate, agreement value, ready reckoner value, or market value rules may affect the base amount.
- •This calculator does not include legal fees, brokerage, society transfer charges, mutation charges, or GST on under-construction property.
- •Verify final duty on the relevant state registration/stamps department portal before payment.
In practice (India)
Many buyers focus only on down payment and EMI, then discover stamp duty close to registration day. Use this estimate before paying token money so you know whether total upfront cash is manageable.
For home purchases, pair this calculator with the EMI and loan eligibility calculators. A lender may finance the property value but not always the full stamp-duty amount, so cash planning matters.
Benefits
- ✓Budget government charges before booking a property.
- ✓Compare cash requirement across property values or state rates.
- ✓Avoid underestimating upfront costs beyond home-loan EMI.
- ✓Create a conservative registration-day checklist.
Related calculators and guides
Frequently Asked Questions
- Who pays stamp duty?
- Usually the buyer pays stamp duty and registration charges, but the agreement can define responsibilities. Confirm with your lawyer or property advisor.
- Is stamp duty included in home loan?
- Some lenders may include it in limited cases, but many expect buyers to arrange stamp duty from their own funds. Check lender policy early.
- Why do rates differ by city or gender?
- Many states notify different concessions, surcharges, or lower rates for certain buyer categories. Use the rate applicable to your exact case.
- Does this include GST?
- No. GST can apply to under-construction property and is separate from stamp duty and registration.
- Where should I verify the final rate?
- Use the official stamps and registration department portal for your state or ask the registering authority/lawyer before payment.
Stamp-duty rules are state-specific. Treat this calculator as a budgeting estimate, not a legal duty certificate.
How we calculate
Estimates use the formula shown above. Rules and rates are checked against official India sources where applicable (Income Tax Act, RBI/NSC circulars, GST law). Last reviewed for 2026.
- Rates are user-entered because state rules change and buyer-category concessions vary.
- Circle rate, agreement value, ready reckoner value, or market value rules may affect the base amount.
- This calculator does not include legal fees, brokerage, society transfer charges, mutation charges, or GST on under-construction property.
- Verify final duty on the relevant state registration/stamps department portal before payment.