Stamp Duty Calculator India 2026 – Property Tax By State
Calculate stamp duty and registration charges for property purchase. Includes state-wise rates and first-time buyer discounts.
Updated for 2026
Property Details
Buyer Details
✓ Last updated: March 2026 | Built with CRA-official rates, Bank of Canada data, and OSFI guidelines
How to Use This Calculator
Input the market value or circle rate of the property.
Choose your state – stamp duty rates vary significantly by state.
First-time buyers and female buyers may get discounts in some states.
See stamp duty, registration charges, and total payment.
Understanding Your Results
- Stamp DutyA government tax on property transactions, typically 3-8% of property value depending on the state.
- Registration ChargesAdditional 1-2% of property value paid to register the property in your name.
- Effective Tax RateThe combined stamp duty + registration charges as a percentage of property value.
Key Tips
- ✓Stamp duty rates vary by state – always check your state's current rate before budgeting.
- ✓First-time buyers often get 1-2% stamp duty concessions – check eligibility.
- ✓Some states (e.g., Delhi, Maharashtra) offer lower rates for women and senior citizens.
- ✓Registration charges are usually 1-2% of property value – factor this into your budget.
- ✓Pay stamp duty on time – delays attract penalties and interest.
Related Calculators
Understanding Stamp Duty in India
What is Stamp Duty?
Stamp duty is a state government tax levied on property transactions. The rate varies by state (3-8%) and property type. It is calculated on the higher of the agreement value or the government's circle rate.
Stamp Duty Rates by State
Maharashtra: 5-7%, Delhi: 4-7%, Karnataka: 5-8%, Tamil Nadu: 5-8%, Uttar Pradesh: 5-7%. Rates may differ for male/female, first-time buyers, and senior citizens.
Registration Charges
In addition to stamp duty, 1-2% of property value is charged for registration. This is paid to the state government to officially register the property in your name.
Exemptions and Concessions
Many states offer 1-2% concessions for: Women buyers, First-time buyers, Senior citizens, Joint ownership (wife + husband). Check your state's specific rules before budgeting.
Stamp Duty Example: ₹50L Property in Maharashtra
₹50L residential property in Maharashtra with first-time buyer discount.
- Property Value
- ₹50,00,000
- State
- Maharashtra
- Property Type
- Residential
- Buyer Type
- First-Time Buyer
- Registration Charges
- 1%
- Stamp Duty (6%)
- ₹3,00,000
- Registration (1%)
- ₹50,000
- Total Cost
- ₹3,50,000
- Effective Tax Rate
- 7%
Frequently Asked Questions
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