Stamp Duty Calculator India

How does this tool calculate stamp duty?

This tool multiplies the property value you enter by a stamp duty percentage chosen from a table by state and buyer type (male, female or joint), then adds a registration charge equal to a separate percentage of the same value. The sum is shown as total cost, and the property value plus that cost is shown as total outgo. Nothing else is added beyond the rates in the table (for Karnataka that includes the cess and surcharge), apart from two value steps: West Bengal at 7% and the Uttar Pradesh female rate at 7% when the value is above ₹1 crore. There is no local body tax, legal fees or brokerage.

Which states and rates are built in?

Twelve states are covered: Maharashtra, Delhi, Karnataka, Tamil Nadu, Uttar Pradesh, Gujarat, Rajasthan, West Bengal, Telangana, Punjab, Haryana and Madhya Pradesh. The figures built into this tool were checked in 2026 against two sources each, one a government page, for Karnataka, Telangana, Punjab, Gujarat’s female registration rate, the Maharashtra registration cap, the Delhi and Rajasthan male and female rates, West Bengal’s urban rate and its 7% step above ₹1 crore, and Uttar Pradesh’s women’s concession up to ₹1 crore. These are not verified: Tamil Nadu, Haryana and Madhya Pradesh rows, the joint-buyer rates for Maharashtra, Delhi, Uttar Pradesh, Rajasthan and Haryana, and caps, cess and women’s concessions for these states (the Delhi registration cap, a Rajasthan cess, a Haryana registration cap, Madhya Pradesh’s women’s concession and Maharashtra’s local body tax are not modelled). West Bengal’s lower rural rate is not modelled either, and an older department page shows the extra 1% starting at ₹40 lakh rather than ₹1 crore. Duties vary by city, area and property value, and state governments revise duties, concessions and registration fees, this tool’s table is not updated automatically, and the state registration office or a qualified adviser governs what you actually pay.

Does the property type setting (urban, semi-urban, rural) change the result?

No. The tool reads the setting but does not use it in any calculation, so urban, semi-urban and rural give identical output for the same state, buyer type and value. For example, Maharashtra at ₹50,00,000 shows ₹3,30,000 under every setting. If your state charges differently by area, the tool will not reflect it.

How does the buyer type change the figure?

The table holds a separate stamp duty rate for male, female and joint buyers in each state. In some states the three are identical, such as Karnataka, Telangana, Gujarat and Tamil Nadu in this table (Gujarat’s registration differs, as noted below), and in others they differ. Maharashtra shows 6% for male and joint and 5% for female; Delhi shows 6%, 4% and 5%; the joint rates for both were not verified. Registration is the same for all three except in Gujarat, where the Female option pays no registration fee.

Why can the state note differ from the rate used?

The note under the result is a fixed piece of text that is meant to describe the percentages used in the calculation. Karnataka’s 5.6% (5% duty plus 0.6% cess and surcharge) and 2% registration, and Telangana’s 5.5% (4% duty plus 1.5% transfer duty) and 0.5% registration, now match the rows in the table. The notes also mention things the tool does not apply, such as a local body tax in Maharashtra, Kolkata local-body charges, Karnataka’s lower slabs below ₹45 lakh, a possible Telangana registration cap and Punjab’s possible 1% social infrastructure cess. The stamp duty and registration lines are what the total is built from.

Is there a cap on registration charges?

Two states. Maharashtra registration is capped at ₹30,000 (reached at a value of ₹30 lakh at 1%), and the result line then says capped. Delhi registration is capped at ₹20,00,000 in the code, which at 1% only matters above ₹20 crore; that Delhi cap was not verified. Haryana may also apply a slab-based cap that is not modelled. No other state has a cap in this tool, including Telangana, where some guides mention a ₹20,000 cap that is not applied.

What happens with a zero value, and what is not covered?

A zero value, which is also what a cleared box becomes, shows ₹0 on every line while still displaying the rates. The tool does not handle concessions beyond the buyer-type rates, additional charges for particular cities, duty on leases or gifts, or any tax deductions. Use it to compare states on the same price, then check the exact figure with the sub-registrar’s office.