Stamp Duty Calculator India 2026

Stamp duty is a state government tax levied on property transaction documents, calculated as a percentage of the property's value — typically in the 3-8% range, though the exact rate is set by each state and can vary further by municipal-body tier and circle-rate zone within a state. It is a state subject, so there is no single national rate; always confirm the current figure with your state's Registration & Stamps Department.

No. Stamp duty is the main property transaction tax, while registration charges are a separate administrative fee (commonly around 1% of property value, sometimes capped at a fixed amount above a certain value) paid to register the property in your name. Both are typically paid together at the sub-registrar's office.

Circle rate (also called guidance value or ready reckoner rate) is the government's minimum notified value for property in a given area. Stamp duty is calculated on whichever is higher — the circle rate or the actual agreement/transaction value — so a buyer cannot reduce stamp duty by declaring a price below the circle rate.

First-time buyers do not. No Indian state offers a general first-time-buyer concession on stamp duty, so be wary of any calculator that shows one. A concession for SOLE FEMALE ownership is real but far from universal: Maharashtra and Uttar Pradesh give 1 percentage point (Uttar Pradesh only on consideration up to ₹1 crore) and Delhi gives 2 points, while Karnataka, Tamil Nadu and Telangana give none at all. Joint ownership with a male co-owner typically does not qualify. Confirm your state's current rule with its Registration & Stamps Department.

In most states, yes — commercial property stamp duty rates are typically set 1-2 percentage points higher than residential rates for the same location, though the exact gap varies by state. Confirm the current commercial rate with your state's Registration & Stamps Department before budgeting.