Stamp Duty & Registration Charges 2026 (State-wise)
State-wise stamp duty and registration fees, concessions for women and how duty is calculated.
Updated 30 September 2026 · 17 lenders trackedWhat you need to know
Stamp duty and registration fees are state levies paid when a property sale is registered. Together they typically add 5% – 10% to the cost of a home, depending on the state, the buyer’s gender and whether the property is urban or rural. Duty is charged on the higher of the agreement value and the government circle (ready-reckoner) value, and cannot be financed by the home loan except for homes costing up to ₹10 lakh.
State-wise rates
| State | Stamp duty | Registration fee | Women buyers |
|---|---|---|---|
| Maharashtra | 5% + 1% metro cess (Mumbai/metro areas) = 6%; varies by area | 1%, capped at ₹30,000 | 1% concession for women (5% in Mumbai) |
| Karnataka | 5% (2% up to ₹20 – 21 lakh, 3% ₹21 – 45 lakh) + cess/surcharge in Bengaluru | 2% (some sources: 1%) | None |
| Tamil Nadu | 7% | 4% (one source shows 1%) | 1% lower registration for women on property up to ₹10 lakh (from Apr 2025) |
| Telangana | 4% + 1.5% transfer duty | 0.5% | None |
| Andhra Pradesh | 5% + 1.5% transfer duty | 1% | None |
| Delhi | Men 6%, women 4%, joint 5% | 1% | 4% for women |
| Uttar Pradesh | Men 7%, women 6% (concession value-capped) | 1% | 1% concession, capped |
| Gujarat | 4.9% (incl. surcharge) | 1%; waived for sole women buyers | Registration fee waived |
| West Bengal | Urban 6% (7% above ₹1 crore); rural 5% (6% above ₹1 crore) | 1% | None |
| Rajasthan | Men 6%, women 5%, plus surcharge (about 20% of duty) | 1% | 5% (one source: men 5% / women 4%) |
| Kerala | 8% | 2% | None |
| Haryana | Urban: men 7%, women 5%; rural lower | Slab-based fee up to ₹50,000 | 2% lower |
| Punjab | Men 7%, women 5% | 1% | 5% |
| Madhya Pradesh | 7.5% (urban, incl. municipal duty) | 3% | Disputed across sources |
| Bihar | Men 6%, women 5.7% | 2% | 5.7% |
Duty is charged on the higher of the agreement value and the government’s circle / ready-reckoner value. Compiled from LegiScore (Aug 2026), SquareYards (Jul 2026) and StudioMatrx (Apr 2026); these aggregators disagree for Karnataka, Tamil Nadu, Rajasthan and Madhya Pradesh — always confirm on your state’s IGR / registration portal before paying.
How to calculate
- Find the valueHigher of agreement value and circle rate × area.
- Apply duty rateState rate for your category (women, joint, urban/rural) plus any cess or surcharge.
- Add registrationPercentage or slab as per state, sometimes capped.
- Pay onlineThrough e-stamping (SHCIL) or the state GRAS / IGR portal before registration.
Ways to save
- Register in a woman’s name (or jointly) where the state offers a concession — Delhi, UP, Punjab, Haryana, Rajasthan, Bihar, Maharashtra.
- Claim stamp duty and registration under the ₹1.5 lakh principal deduction (old regime) in the year paid.
- Check whether an older, lower circle rate applies if the agreement was stamped earlier.
Frequently asked questions
Is GST charged on stamp duty?
No. GST applies to under-construction property sales; stamp duty and registration fees are separate state levies.
Who pays stamp duty — buyer or seller?
By law and practice the buyer pays unless the agreement says otherwise.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.