Stamp Duty & Registration Calculator India
Estimate stamp duty, registration fees, surcharge, cess, and total property registration cost in India.
Property & buyer details
Maharashtra · Male · Residential
Use the higher of agreement value or state circle rate.
Rates prefilled from state assumptions below.
Many states offer a stamp duty concession for female buyers.
Rates can differ for commercial, plot, or agricultural land.
Rural rates are typically lower than urban / metro rates.
Stamp paper, scanning, e-stamping, legal verification, etc.
Total property cost
₹53,80,000.00
Property value plus all stamp duty, registration, and cess charges.
Effective charge rate
7.60%
Total government charges as a percentage of property value.
Stamp duty
₹3,00,000.00
6.00% of property value.
Registration fee
₹30,000.00
Capped at ₹30,000.00 from ₹50,000.00.
Surcharge / cess
₹50,000.00
1.00% of property value.
Additional charges
₹0.00
Stamp paper, scanning, legal verification, etc.
Total government charges
₹3,80,000.00
Stamp duty + registration + surcharge / cess + additional.
Total property cost
₹53,80,000.00
Property value + government charges.
This calculator provides an estimate for educational purposes only and is not legal, tax, or property advice. Stamp duty, registration fees, cess, surcharge, exemptions, and caps vary by state, city, property type, buyer category, and local rules. Always verify final charges with the relevant state registration or stamps department.
Detailed cost breakdown
| Line item | Rate | Amount |
|---|---|---|
| Property value | N/A | ₹50,00,000.00 |
| Stamp duty | 6.00% | ₹3,00,000.00 |
| Registration fee (before cap) | 1.00% | ₹50,000.00 |
| Registration fee cap | N/A | ₹30,000.00 |
| Final registration fee | Capped | ₹30,000.00 |
| Surcharge / cess | 1.00% | ₹50,000.00 |
| Additional charges | N/A | ₹0.00 |
| Total government charges | N/A | ₹3,80,000.00 |
| Total property cost | N/A | ₹53,80,000.00 |
State assumptions
- Selected state
- Maharashtra
- Buyer category
- Male
- Property type
- Residential
- Area type
- Urban
- Stamp duty rate
- 6.00%
- Registration fee rate
- 1.00%
- Registration fee cap
- ₹30,000.00
- Surcharge / cess rate
- 1.00%
State notes: Mumbai/Pune metro: 6% male, 5% female (incl. 1% metro cess). Registration fee capped at ₹30,000 for property above ₹30 lakh.
Source: Maharashtra IGR · link · Reviewed: 2026-06
Support
How to read your stamp duty estimate
Stamp duty estimate
Stamp duty is a state tax on the sale deed. The rate depends on state, buyer category, and property type.
Registration fee estimate
Registration fee is paid to the sub-registrar to record the transaction. Some states cap it at a fixed amount.
State rules vary
Concessions for women, joint ownership, first-time buyers, rural areas, and seniors differ widely by state.
Verify before payment
Always confirm the exact rate, cap, and applicable cess with the relevant sub-registrar's office.
What it is
Stamp duty and registration in India
What is stamp duty?
Stamp duty is a state-level tax paid on the legal document (sale deed) that transfers property ownership. It is mandatory for the deed to be admissible in court.
What is the registration fee?
Registration fee is the charge for officially registering the deed with the state sub-registrar so that the change in ownership is recorded in public land records.
How this calculator estimates charges
The calculator multiplies your property value by the stamp duty rate, registration rate, and surcharge / cess rate for the selected state and buyer category. A registration fee cap is applied where set.
Male, female, and joint buyer rates
Several states (e.g. Delhi, Maharashtra, UP, Rajasthan, Punjab, Haryana) offer a 1–2% concession when the sole or first buyer is a woman.
Formulas
How the numbers are calculated
Stamp duty
Stamp Duty = Property Value × Stamp Duty RateProperty value is generally the higher of the agreement value and the state circle rate (ready reckoner).
Registration fee
Reg Fee = min(Property Value × Reg Rate, Cap)Some states cap the registration fee at a fixed amount once the property crosses a threshold.
Total government charges
Total = Stamp Duty + Reg Fee + Surcharge + Cess + Add'lTotal property cost adds the property value on top of the government charges line.
Limits
What this estimate does not include
GST on under-construction
GST on under-construction property (1% / 5% based on category) is a central tax and is not modeled here.
Loan-side charges
Home loan processing fees, legal/technical valuation, CERSAI, and franking charges are separate from stamp duty.
Special exemptions
First-time buyer / affordable housing / women-only schemes can further reduce duty in some states.
FAQ
Stamp duty calculator questions
Stamp duty in India is calculated as a percentage of the property's market value (or agreement value, whichever is higher). The exact rate depends on the state, buyer category, property type, urban or rural location, and any applicable surcharge or cess.
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