Stamp Duty Calculator

Calculate stamp duty and registration charges by state

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Stamp Duty Calculator is a free, browser-based tool that lets you calculate stamp duty and registration charges by state — with zero signup, zero installation. Your data never leaves your browser. Part of 138+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.

TOOLStamp Duty Calculator

Property Details

State / UT

Property Value (Rs)

Rs 50.00 L

Property Type

Buyer Gender

Area Type

Mumbai municipal area: 5% for all

Cost Breakdown — Maharashtra

Stamp Duty (6.0%)

Rs 3,00,000

Registration (1%, cap Rs 30,000)

Rs 30,000

Total Government Fees

Rs 3,30,000

Acquisition Cost Breakdown

Property

Govt Fees

Broker

Total Acquisition Cost (Property + Stamp Duty + Registration + Brokerage ~1%)

Rs 53,80,000

Government fees add 6.6% to the property price

Stamp Duty Rates — Quick Comparison

Maharashtra

M: 6% F: 5%

Karnataka

M: 5% F: 5%

Delhi

M: 6% F: 4%

Tamil Nadu

M: 7% F: 7%

Uttar Pradesh

M: 7% F: 6%

Rajasthan

M: 6% F: 5%

Gujarat

M: 4.9% F: 4.9%

Telangana

M: 7.5% F: 7.5%

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About Stamp Duty Calculator

Stamp duty is one of the largest hidden costs in property transactions — often 5-8% of the agreement value on top of the purchase price. Rates vary significantly by state, city type (urban vs rural), property type, and buyer gender. In Maharashtra, a Rs 80 lakh flat attracts different stamp duty in Pune versus Mumbai. This calculator provides current state-wise rates including women buyer concessions so you can budget total acquisition cost accurately before closing a deal.

How It Works

Stamp duty is calculated as a percentage of the property's agreement value or ready reckoner value (circle rate), whichever is higher. The tool applies the correct rate for your selected state, city type, property category, and buyer gender. Women's concession rates (typically 1-2% lower) are built in for states that offer them, including Delhi, UP, Rajasthan, and Himachal Pradesh.

Registration charges — a separate fee paid to register the document at the Sub-Registrar's office — are calculated independently and added to the total. Many states cap registration at a fixed amount (Maharashtra caps at Rs 30,000 per document). The result shows the total government fees you must pay at the time of registration.

The total acquisition cost displayed is agreement value + stamp duty + registration charges, which is the actual cash outflow for taking legal ownership of the property.

Who Is This For

A first-time homebuyer in Pune planning to buy a Rs 75 lakh flat and wanting to know the total cash needed including stamp duty before approaching a bank for a home loan.

A woman buyer in Delhi comparing the effective savings from the 2% stamp duty concession on a Rs 1.2 crore property (Rs 2.4 lakh savings).

A commercial property investor calculating acquisition cost in two states — Maharashtra vs Karnataka — to compare the net stamp duty impact on ROI.

A developer calculating total project registration costs for a 50-unit housing society and advising buyers on their liability.

Scope note: Stamp duty rates are based on the most recent state notifications available. Some states announce temporary waivers or concessions (Maharashtra COVID waiver, etc.) that may not be immediately reflected. Urban/rural classification at the sub-district level may differ from the broad state rule. Always verify the applicable rate with the state's stamp duty department or a registered property lawyer before executing a sale agreement.

Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Results are estimates based on publicly available tax slabs and formulas. Consult a qualified Chartered Accountant, tax professional, or financial advisor for guidance specific to your situation. Built and maintained by the WOWHOW Team with 14+ years of software development experience.

How to Use

Select your state and city type (Urban/Rural)

Enter the property value and select property type

Choose buyer gender — many states offer concessions for women

View stamp duty, registration charges, and total acquisition cost

Frequently Asked Questions

Maharashtra charges 6% stamp duty (5% in Mumbai municipal area) plus 1% registration fee capped at Rs 30,000. Women buyers get a 1% concession in some areas.

Yes, many states offer reduced stamp duty for women buyers. Delhi charges 4% for women vs 6% for men. UP charges 6% for women vs 7% for men. Rajasthan offers 5% vs 6%.

Registration charges are a separate fee paid to register the property document. It ranges from 0.5% to 4% depending on the state, often with a cap on the maximum amount.

In most states, yes. However, some states charge higher rates for commercial properties and lower rates for agricultural land. The calculator adjusts based on property type.

Stamp duty is a one-time cost paid at the time of property registration — it is not an annual charge. Registration charges are also paid once at the same time. Both are non-refundable even if the sale falls through after registration.

Some banks allow stamp duty and registration charges to be included in the home loan amount, but this varies by lender. Most banks cap the loan at 90% of the agreement value, not including stamp duty. Check with your lender whether these charges can be financed.

Yes. Stamp duty paid on a new home purchase is eligible for deduction under Section 80C up to the Rs 1.5 lakh annual limit. This applies only to purchase of a new residential property, not commercial property or resale agreements. Claim it in the year of payment.