Stamp Duty Calculator
Real EstateFind out how much stamp duty and registration you will pay to buy a property — and the true all-in cost once these charges are added to the price.
In short: Stamp duty and registration charges are state taxes on a property purchase, levied on the property value (or circle rate, whichever is higher). Stamp duty is typically 4–8% and registration around 1%, so on a ₹50 lakh home at 6% + 1% you pay about ₹3.5 lakh on top of the price.
Your inputs
Your inputs
- Property value
- ₹50,00,000
- Stamp duty rate
- 6%
- Registration rate
- 1%
Results
Stamp duty
₹3,00,000
at 6%
Registration charges
₹50,000
at 1%
Total charges
₹3,50,000
Stamp duty + registration
All-in cost
₹53,50,000
Property value + charges
Cost composition
Property value versus the stamp duty and registration you pay on top.
Charge breakdown
| Component | Rate | Amount |
|---|---|---|
| Property value | — | ₹50,00,000 |
| Stamp duty | 6% | ₹3,00,000 |
| Registration charges | 1% | ₹50,000 |
| All-in cost | — | ₹53,50,000 |
Rates are illustrative — check your state’s current stamp duty and registration rates.
How the Stamp Duty Calculator works
Formula
- Value
- Agreement value or circle rate, whichever is higher
- duty%
- State stamp duty rate (typically 4–8%)
- reg%
- Registration charge (usually ~1%)
Step-by-step calculation
Worked with the default values.
- 1
Stamp duty
₹50,00,000 × 6%
= ₹3,00,000
- 2
Registration charges
₹50,00,000 × 1%
= ₹50,000
- 3
Total charges
Stamp duty + registration
= ₹3,50,000
- 4
All-in cost
₹50,00,000 + ₹3,50,000
= ₹53,50,000
How it works
- Stamp duty is charged as a percentage of the higher of the agreement value and the government circle (ready-reckoner) rate for the location.
- A separate registration fee — usually about 1% — is paid to legally record the sale deed in your name at the sub-registrar’s office.
- Both charges must normally be paid from your own funds before registration; lenders generally do not fund stamp duty within the home-loan amount.
Examples
₹50 lakh flat at 6% stamp duty + 1% registration
₹3 lakh stamp duty plus ₹50,000 registration — about ₹3.5 lakh in charges, taking the all-in cost to ₹53.5 lakh.
₹1 crore property, buyer registered in a woman’s name (5% duty)
A 1% women’s concession cuts stamp duty from ₹6 lakh to ₹5 lakh, saving ₹1 lakh, plus ₹1 lakh registration.
Understanding the Stamp Duty Calculator
What stamp duty and registration actually are
When you buy a property in India, the sticker price is only part of the cost. Two mandatory state charges sit on top: stamp duty and registration. Stamp duty is a tax that gives the transaction legal force; registration is the fee for recording the sale deed in your name in the government's land records. Skip them and the sale is simply not legally complete.
Both are calculated on the higher of the agreement value and the circle rate (also called the ready-reckoner or guideline value) for the location — a safeguard against undervaluing a deal to save tax.
How much you pay
Because land and its taxation are a state subject, rates vary widely:
- Stamp duty typically ranges from 4% to 8%, and some states add cess or surcharge on top.
- Registration is usually around 1%, sometimes capped at an absolute amount.
On a ₹50 lakh flat at 6% duty and 1% registration, you pay ₹3 lakh + ₹50,000 = ₹3.5 lakh, pushing the all-in cost to ₹53.5 lakh.
The women's concession
Many states deliberately charge less when a property is bought in a woman's name, whether solely or jointly. States including Delhi, Haryana, Rajasthan and Uttar Pradesh offer a concession of roughly 1–2%. On a ₹1 crore property that single decision can save ₹1–2 lakh, so it is worth checking your state's rule before finalising ownership.
Budgeting for it — a common surprise
The charge that catches first-time buyers off guard is that stamp duty is rarely funded by the home loan. Lenders advance a percentage of the property value; stamp duty and registration fall outside that and must come from your own savings, alongside the down payment. Plan for them from the start.
There is a silver lining at tax time: under the old regime, stamp duty and registration on a residential home qualify for deduction under Section 80C, within the ₹1.5 lakh limit, in the year they are paid. Always verify your state's current rate and any temporary rebate on the official registration portal, as governments periodically tweak them to spur the property market.
Pros
- Shows the true all-in cost of buying, not just the sticker price of the property.
- Separates stamp duty from registration so you can budget each charge precisely.
- Lets you model different state rates and any women’s concession in seconds.
- Helps you set aside the right amount of own funds alongside your down payment.
Cons
- Rates vary by state, city and property type, so the defaults are only indicative.
- Does not account for extra cess, surcharge or metro/local-body levies some states add.
- Ignores GST on under-construction properties, which is a separate charge.
- Assumes duty is on the entered value; the higher circle rate may apply instead.
Tips
- 1Register the property in a woman’s name where your state offers a concession — it can save 1–2% of the value.
- 2Confirm the circle (ready-reckoner) rate for the locality, since duty is charged on the higher of that and your agreement value.
- 3Keep stamp duty and registration ready as own funds — they are rarely covered by the home loan.
- 4Claim the stamp duty and registration under Section 80C in the year of payment if you use the old tax regime.
- 5Check your state portal for any temporary rate cuts or rebate schemes before you register.
Frequently asked questions
Everything you need to know about the Stamp Duty Calculator.
What is the difference between stamp duty and registration charges?
Are stamp duty rates the same across India?
Do women get a discount on stamp duty?
Is stamp duty calculated on the agreement value or the circle rate?
Can stamp duty be included in my home loan?
Is stamp duty tax-deductible?
What happens if I do not pay stamp duty?
How is stamp duty paid?
Do I pay stamp duty on an under-construction property?
Are stamp duty and registration charges refundable?
Methodology & sources
How the Stamp Duty Calculator is calculated, and where the underlying rules come from.
How we calculate it
Every result is produced by a single, shared and tested financial-formula library used across the whole site — so the maths is consistent from one calculator to the next. Figures are estimates based on the inputs you enter and standard assumptions (such as regular compounding and constant rates); real-world outcomes vary with taxes, fees and changing rates. All calculations run in your browser — nothing you type is stored or sent to a server.
Sources & references
Editorial policy & disclaimer. FinCalcHub provides free educational tools and estimates — not personalised financial, tax or investment advice. Verify important decisions with a qualified professional. Read our editorial approach, disclaimer and privacy policy.
Last reviewed for accuracy on .
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