Take a property valued at Rs 80,00,000 being bought in Karnataka. The representative urban stamp duty rate used here is 5 percent, which on Rs 80,00,000 is Rs 4,00,000. Registration is charged separately at about 1 percent, adding Rs 80,000. The total payable to register the property is therefore Rs 4,80,000, or 6 percent of the value once both charges are added. Karnataka applies the same stamp duty rate to male and female buyers, so the gender of the buyer does not change this figure. In a state such as Delhi, by contrast, a female buyer would pay 4 percent stamp duty instead of 6 percent, so the same Rs 80,00,000 property would cost Rs 3,20,000 in stamp duty rather than Rs 4,80,000, a saving of Rs 1,60,000 before registration.
How it is calculated
Stamp duty is a state subject, so the rate is a percentage of the property value set by each state, applied to the higher of the agreement value or the government circle or ready-reckoner rate. The calculator multiplies your entered value by the selected state rate to get the stamp duty, then adds the state’s registration charge, usually around 1 percent. Several states, including Delhi, Haryana, Rajasthan, Punjab and Uttar Pradesh, give female buyers a one to two percentage-point concession to encourage ownership in their name, which the tool reflects by switching to the female rate. The figures here are representative urban residential rates, and actual rates can differ by city, property type and whether the area is municipal or rural. Always confirm the current rate with the local sub-registrar before budgeting, and remember that stamp duty is paid on top of the property price and is not part of any home loan.
Frequently asked questions
Do women pay less stamp duty?
In several states (Delhi, Haryana, Rajasthan, Punjab, UP) women buyers get a 1-2 percentage-point concession to encourage property ownership in their name. Maharashtra offers a 1% concession on resale by women in some cases. Always confirm the current sub-registrar rate.
Is stamp duty the same across all Indian states?
No. Stamp duty is a state subject under the Indian Constitution, so each state sets its own rates. Rates typically range from 3% to 8% of the property value. The rate can also differ based on whether the property is in an urban or rural area, and on the type of property.
Can stamp duty be included in a home loan?
No. Stamp duty and registration charges are paid directly to the state government at the time of registration and cannot be financed as part of a home loan. Buyers need to arrange these funds separately, so they should factor stamp duty into their total purchase budget upfront.
When is stamp duty paid and what happens if it is not paid?
Stamp duty must be paid before or at the time of executing the sale deed, usually via e-stamping or a non-judicial stamp paper purchased from authorised vendors. If a document is under-stamped or unstamped it is not legally admissible as evidence in court, and the buyer can face penalties of up to ten times the deficient duty under the relevant State Stamp Act.