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Stamp duty rules vary further by municipal area, property type, and change periodically. These figures were cross-checked against multiple sources as of 2026-09-06 — confirm the exact current rate with your local sub-registrar office before relying on this for an actual transaction.
This is a general guideline, not financial advice. Please verify with a certified financial advisor and your bank before making decisions. Full disclaimer
Stamp duty is a state government tax on the property transaction itself, paid to legally validate the sale deed. Registration charges are a separate fee for recording that deed in official government records. Both are calculated as a percentage of the property value, and both are set by state governments — so they vary a lot depending on where you're buying, unlike GST or income tax which are uniform nationally.
Stamp duty and registration together typically add 5-8% on top of the property price — often more than the down payment gap most buyers are already stretching to cover. It's easy to budget carefully for the property price and the loan, and then get caught out by this on top. Factor it in before you commit, not after.
Banks typically don't finance stamp duty or registration as part of your home loan — you'll need to pay this out of pocket, on top of your down payment. Check your number here against what Affordly's Affordability Calculator says you can safely put down before assuming you have enough cash on hand.
Several state governments offer a lower stamp duty rate for property registered solely or jointly in a woman's name, as a policy incentive for female property ownership. The size of the discount varies a lot by state — Delhi and Haryana offer some of the largest gaps, while Karnataka, Tamil Nadu, West Bengal, Telangana, and Gujarat currently apply the same rate regardless of gender.
Most states use whichever is higher: the actual agreement/sale price, or the government's own 'guidance value' (also called circle rate or ready reckoner rate) for that locality. If the guidance value is higher than what you're actually paying, you'll pay stamp duty on the guidance value instead — worth checking before you're surprised at registration.
No — this covers only stamp duty and registration charges. GST (typically applicable on under-construction property, not resale), brokerage, legal fees, and home loan processing charges are all separate and not included here.
State governments revise stamp duty and registration rates periodically — sometimes announced mid-year, not always on a predictable schedule. Karnataka's registration charge, for example, doubled from 1% to 2% in August 2025. These figures were cross-checked across multiple sources as of 2026-09-06 — always confirm the current rate with your state's registration department before a real transaction.