Stamp Duty Calculator India
Instantly calculate stamp duty and registration charges for 13 states — including women buyer concessions, transfer duty, and total cost of purchase.
Stamp Duty & Registration Calculator
Maharashtra — Key Rules
- Mumbai: 6% (male), 5% (female)
- Pune, Nagpur, Thane: same rates
- Registration capped at ₹3L for properties above ₹30L
- Additional 1% metro cess in Mumbai municipal limits
Total Government Charges
₹3.50 L
7.0% of property value · Maharashtra
Stamp Duty
6% of property value
₹3.00 L
Registration Charges
1% (capped at ₹3.00 L)
₹50,000
Total Charges
₹3.50 L
True Cost of Purchase
What is stamp duty on property?
Stamp duty is a state government tax levied when a property changes ownership. It must be paid before or at the time of registration at the sub-registrar's office. Failure to pay stamp duty makes the sale deed legally invalid and unenforceable.
Stamp duty rates across major Indian states (2025)
Rates vary significantly: Tamil Nadu charges 11% total (7% stamp duty + 4% registration), making it one of the most expensive states for property registration. Maharashtra and Karnataka charge 5–6% total, while Telangana's effective rate is 6% (4% stamp + 1.5% transfer + 0.5% registration).
Can stamp duty be paid online?
Yes. Most states now allow online stamp duty payment through their official portals — Maharashtra's GRAS, Karnataka's KAVERI, Delhi's DORIS, and Telangana's IGRS. Payment generates a receipt used at the sub-registrar's office.
Is stamp duty tax-deductible?
Yes — stamp duty and registration charges paid for a residential property can be claimed as a deduction under Section 80C of the Income Tax Act, up to the overall limit of ₹1.5 lakh per financial year. This benefit is available only in the year of payment.
Frequently Asked Questions
What is stamp duty on property in Maharashtra in 2025?
In Maharashtra, stamp duty is 6% for male buyers and 5% for female buyers. In Mumbai, an additional 1% metro cess applies. Registration is 1% (capped at ₹3L).
Do women get a concession on stamp duty?
Yes — most states give women 1–2% off stamp duty. Delhi: 4% vs 6% for men. Maharashtra: 5% vs 6%. Haryana: 5% vs 7%. UP: 6% vs 7%.
Is stamp duty included in home loan?
No. Banks do not fund stamp duty. You must pay it from savings, on top of your down payment. Budget 5–11% extra depending on your state.
Which state has the lowest stamp duty?
Gujarat (4.9% total), Delhi for women (5%), and Karnataka for affordable housing (below ₹20L, just 3%) have some of the lowest rates.