Booking stage budgeting
Estimate duty before paying token amount so you know real cash requirement at registration.
Stamp Duty Calculator
Estimate stamp duty and registration on property value. Rates vary by state — set your rate.
GratuityPPFEPF / PFEMISIPFDNPSIncome TaxHRAAgeGSTPercentageBMITake-Home SalaryStamp DutySIP Step-UpCompound InterestLumpsumLoan EligibilityTDSRDSection 80C PlannerSalary HikeDiscount
How to use this calculator
- 1
Enter property value
Use agreement value or value applicable under your state's duty rule, whichever is higher.
- 2
Enter state rates
Input current stamp duty and registration rates from the official state portal or your lawyer's quote.
- 3
Budget upfront cash
Review combined charge and add it to down payment, legal fee and loan processing budget.
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Charges
Stamp duty₹ 2,50,000
Registration₹ 50,000
Need area standardization before property valuation? Use Land Area Converter to convert bigha/gunta/acre into a common unit before estimating stamp duty.
Quick answer
Stamp duty and registration can add a large upfront cost before possession. A quick estimate early in the buying process prevents last-minute cash shortfall.
Stamp duty and registration fees vary by Indian state, city, buyer category, property type, and transaction value. Enter the property value and rate shown by your state portal or agreement draft to estimate the upfront cash needed before registration.
What is this calculator?
Stamp duty is the government duty paid on property transfer documents such as a sale deed. Registration fee is a separate charge for registering that document. These charges are usually paid in addition to down payment, brokerage, legal fees, and home-loan processing charges.
Formula
Stamp duty = Property value x stamp duty rate. Registration fee = Property value x registration fee rate. Total government charges = stamp duty + registration fee + any fixed surcharges or cess entered separately.
Example
Example 1: Property value ₹50,00,000, stamp duty 5%, registration 1%. Stamp duty is ₹2,50,000 and registration is ₹50,000, so the basic total is ₹3,00,000 before any cess or fixed charges.
Another example
Example 2: Property value ₹85,00,000, stamp duty 6%, registration 1%. Stamp duty is ₹5,10,000 and registration is ₹85,000, so registration budgeting should include at least ₹5,95,000 plus state-specific extras.
Scenario snapshots
State comparison
Run scenarios if you are comparing purchase in two cities/states with different rate structures.
Decision guide
Choose this when
- ✓You are planning property purchase and need complete upfront cost estimate.
- ✓You want to compare home-loan eligibility against total initial cash outflow.
Pick another route when
- •You need legally final payable amount for registration day (verify with state portal/lawyer).
- •Your case includes complex concessions, rebates or special-category exemptions not modeled here.
Common mistakes to avoid
- !Budgeting only EMI/down payment and ignoring registration charges.
- !Using outdated state rates from old articles or social posts.
- !Assuming home loan always finances stamp duty as well.
Assumptions and disclaimers
Updated context: 2026
- •Rates are user-entered because state rules change and buyer-category concessions vary.
- •Circle rate, agreement value, ready reckoner value, or market value rules may affect the base amount.
- •This calculator does not include legal fees, brokerage, society transfer charges, mutation charges, or GST on under-construction property.
- •Verify final duty on the relevant state registration/stamps department portal before payment.
In practice (India)
Many buyers focus only on down payment and EMI, then discover stamp duty close to registration day. Use this estimate before paying token money so you know whether total upfront cash is manageable.
For home purchases, pair this calculator with the EMI and loan eligibility calculators. A lender may finance the property value but not always the full stamp-duty amount, so cash planning matters.
Benefits
- ✓Budget government charges before booking a property.
- ✓Compare cash requirement across property values or state rates.
- ✓Avoid underestimating upfront costs beyond home-loan EMI.
- ✓Create a conservative registration-day checklist.
Related calculators and guides
Frequently Asked Questions
- Who pays stamp duty?
- Usually the buyer pays stamp duty and registration charges, but the agreement can define responsibilities. Confirm with your lawyer or property advisor.
- Is stamp duty included in home loan?
- Some lenders may include it in limited cases, but many expect buyers to arrange stamp duty from their own funds. Check lender policy early.
- Why do rates differ by city or gender?
- Many states notify different concessions, surcharges, or lower rates for certain buyer categories. Use the rate applicable to your exact case.
- Does this include GST?
- No. GST can apply to under-construction property and is separate from stamp duty and registration.
- Where should I verify the final rate?
- Use the official stamps and registration department portal for your state or ask the registering authority/lawyer before payment.
Stamp-duty rules are state-specific. Treat this calculator as a budgeting estimate, not a legal duty certificate.
How we calculate
Estimates use the formula shown above. Rules and rates are checked against official India sources where applicable (Income Tax Act, RBI/NSC circulars, GST law). Last reviewed for 2026.
- Rates are user-entered because state rules change and buyer-category concessions vary.
- Circle rate, agreement value, ready reckoner value, or market value rules may affect the base amount.
- This calculator does not include legal fees, brokerage, society transfer charges, mutation charges, or GST on under-construction property.
- Verify final duty on the relevant state registration/stamps department portal before payment.