State-wise rates (FY 2024-25)
| State | Stamp duty (M / F) | Registration |
|---|---|---|
| Maharashtra | 6% / 5% | 1% |
| Karnataka | 5% / 5% | 1% |
| Delhi | 6% / 4% | 1% |
| Uttar Pradesh | 7% / 6% | 1% |
| Tamil Nadu | 7% / 7% | 4% |
| Haryana | 7% / 5% | 1% |
| Gujarat | 4.9% / 4.9% | 1% |
| West Bengal | 5–7% / 5–7% | 1% |
| Telangana | 4% / 4% | 0.5% |
| Rajasthan | 6% / 4% | 1% |
| Punjab | 7% / 5% | 1% |
Rates above are headline state rates — many states add municipal cess, infrastructure cess, or apply different rates in urban/rural/cantonment zones. Tamil Nadu's 4% registration is unusually high; Telangana's 0.5% is unusually low.
What's included in the cost of property
- Stamp duty — % of agreement value or circle rate, whichever is higher
- Registration charges — % of same base
- Cess — small municipal / state cess on top (often included in headline rate)
- Legal fees, GST on under-construction, society transfer charges — separate; not part of this calculator
Total purchase cost = property value + stamp duty + registration + GST (under-construction only) + legal / loan / other fees. Budget around 7–10% of property value for these add-ons.
FAQ
Is stamp duty paid on agreement value or market value?
The higher of the two. Each state's revenue department maintains "ready reckoner" / "circle rate" tables for every locality. If your agreement value is below the circle rate for that area, stamp duty is computed on the circle rate.
Can I pay stamp duty via home loan?
Generally no — banks finance the property cost minus stamp duty. You pay stamp duty out of pocket. Some loans now include a "stamp-duty top-up" but it's not standard.
What about under-construction property?
Stamp duty is paid at registration (after possession or when the sale deed is executed). Until then you pay GST on instalments (1% / 5% depending on housing scheme). The 80C deduction also requires registration to be complete.