Stamp Duty Calculator India -- FY 2025-26
Calculate stamp duty and registration charges for your property purchase across 10 Indian states. See how much you pay in Maharashtra, Delhi, Karnataka, Tamil Nadu, and more. Compare women buyer concessions that can save up to 2% on stamp duty. Updated with the latest state government rates for FY 2025-26.
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How to Use This Calculator
Stamp Duty tab
Enter your property value (market value or circle rate, whichever is higher), select your state, city (if applicable), and buyer gender. The calculator instantly shows your stamp duty, registration charge, any surcharges, and the total cost of property registration. Use this before finalizing your property purchase to budget for closing costs.
State Comparison tab
Enter a property value and gender to see a side-by-side comparison of stamp duty across India's top 5 states: Maharashtra, Karnataka, Delhi, Tamil Nadu, and Uttar Pradesh. Instantly see which state charges the most and least, with full rate breakdowns. Useful if you are comparing properties across cities.
Women Buyer Benefit tab
See the exact savings a woman buyer gets compared to a male buyer in your selected state. The calculator shows a male vs female breakdown and lists all Indian states that offer women buyer concessions. Register property in a woman's name to avail the lower rate.
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Every input is encoded in the URL. Click Share to send your exact scenario to your family, property agent, or save it for later reference.
The Formula
Stamp duty and registration charges are calculated as a percentage of the property's market value or circle rate (also called guidance value or ready reckoner rate), whichever is higher:
Stamp Duty = Property Value × Stamp Duty Rate (%)
Registration Charge:
Registration = Property Value × Registration Rate (%)
Total Registration Cost:
Total = Stamp Duty + Registration Charge + Surcharge (if any)
Effective Rate:
Effective Rate = (Total / Property Value) × 100
Key Rates (FY 2025-26):
Maharashtra: 5% (6% Mumbai) + 1% registration
Karnataka: 5% + 1% registration + 0.1% cess
Delhi: 6% male / 4% female + 1% registration
Tamil Nadu: 7% + 4% registration (highest at 11%)
UP: 7% male / 6% female + 1% registration
The property value used for stamp duty calculation is the higher of the actual transaction value and the government's circle rate (also called ready reckoner rate in Maharashtra, guidance value in Karnataka, or collector rate in other states). Always check the latest circle rate for your area before budgeting.
Example
Amit and Priya — buying a โน75 lakh flat in Mumbai
Amit and Priya are buying a 2BHK apartment in Mumbai's western suburbs for โน75,00,000. They want to know how much they will pay in stamp duty and registration, and whether registering in Priya's name saves money.
Step 1: Male buyer (Amit)
Step 2: Female buyer (Priya)
Step 3: Savings
By registering the property in Priya's name, they save โน75,000 on stamp duty. The total acquisition cost drops from โน81,00,000 to โน80,25,000. This is a common strategy used by homebuyers in Maharashtra, Delhi, and other states with women buyer concessions.