🏠 Real Estate & Mortgages
Stamp Duty Calculator
Estimate stamp duty on a property purchase.
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Estimate stamp duty on a property purchase. This dedicated page is built for fast, clean calculations and search visibility.
Enter your values, click calculate, and see the result instantly. The page uses a simple, focused layout to improve usability on mobile and desktop.
How to use this calculator
- Open the stamp duty calculator page.
- Enter the required values in the form fields.
- Click Calculate to see the result and breakdown.
- Use the related links to explore similar tools.
Results are estimates. For lending, taxes, trading, nutrition, or medical decisions, verify with a qualified professional.
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How stamp duty is calculated in India
Stamp duty is a state government tax on property transactions, calculated as a percentage of the higher of (a) transaction value or (b) the government's ready reckoner rate (circle rate). You cannot pay stamp duty on a price below the circle rate — if the ready reckoner value is ₹80 lakh but you buy at ₹75 lakh, stamp duty is calculated on ₹80 lakh.
Stamp duty is paid before or at the time of property registration at the Sub-Registrar's office. Most states now use e-stamping through their treasury portals.
Women buyer concessions
- Maharashtra: 1% lower stamp duty for properties registered in women's name (4% vs 5%)
- Delhi: Men pay 6%, women pay 4% — a significant difference at higher property values
- Rajasthan: 6% for men, 5% for women
- Punjab: 7% for men, 5% for women
Most states offer some concession for female buyers — this is worth considering for joint purchase decisions. Always verify current rates on your state's revenue department website before transacting, as rates can change with each state budget.
Frequently asked questions
Can stamp duty be reduced by undervaluing the property?▼
No — and attempting this is illegal. Stamp duty is computed on the higher of agreement value or ready reckoner (circle rate). Tax authorities can revisit property transactions for up to 4 years; undervaluation can result in penalties, tax demand, and in serious cases, prosecution.
Is stamp duty included in the home loan?▼
Most banks do not include stamp duty in the home loan — it must be paid from your own funds at the time of registration. A few banks offer top-up loans that can be used for stamp duty and registration, but these are separate from the main home loan. Budget 7–8% of property value for stamp duty, registration, and other acquisition costs above the down payment.
When is stamp duty paid?▼
Stamp duty must be paid before or at the time of executing (signing) the sale deed at the Sub-Registrar's office. Failure to pay adequate stamp duty can make the document inadmissible as evidence in court and attract penalties of 2–10× the deficit amount.
Does stamp duty apply to resale flats?▼
Yes. Stamp duty applies to all property transfers regardless of whether the property is new or resale. The rate is the same for both. However, GST (which applies to under-construction properties) does not apply to resale transactions, making resale purchases often more cost-effective from a total transaction cost perspective.