Stamp Duty Calculator
Estimate stamp duty and registration charges on a property by state and buyer gender, using the higher of agreement and circle-rate value.
Formula last reviewed 4 August 2026 · How we verify our calculators
Total stamp + registration
- Stamp duty
- ₹3,12,000
- Registration charges
- ₹30,000
- Value charged on (higher of two)
- ₹52,00,000
Updates live as you type
Frequently asked questions
It is a percentage of the property value, applied to the higher of the agreement value and the government circle (ready-reckoner) rate. Rates vary by state and, in many states, by buyer gender.
The law charges duty on the higher of the declared agreement value and the circle rate, to prevent under-declaration of property prices.
In several states, yes — there is a rebate for female buyers (for example 1% lower in Maharashtra and Delhi) to encourage property ownership among women.
No. They are representative figures and change periodically, varying further by municipal area and property type. Always verify on your state’s IGR / Stamps & Registration portal before relying on them.
The government charges duty on whichever number is bigger
An agreement value of ₹50,00,000 against a circle rate of ₹52,00,000 in Maharashtra, for a male buyer, gets charged on ₹52,00,000 — the higher of the two — not the actual agreed price. That's not a rounding choice; it's a deliberate legal rule to prevent under-declaring a property's value on paper. Stamp duty at Maharashtra's 6% male rate on that figure comes to ₹3,12,000. Registration would normally run 1% of the same value (₹52,000), but Maharashtra caps registration charges at ₹30,000, so the lower capped amount applies instead — bringing the total to ₹3,42,000. Run the identical property through Maharashtra's 5% female-buyer rate, and stamp duty drops to ₹2,60,000 — a ₹52,000 saving purely from the gender-based rate.
Two rules doing all the work here
Everything in this calculator flows from two mechanisms. First, duty is always charged on the higher of the declared agreement value and the government circle (ready-reckoner) rate — a safeguard that closes the obvious loophole of declaring a lower price than what actually changed hands. Second, both the rate itself and any buyer-category rebate are state-specific: several states, including Maharashtra and Delhi, charge a lower rate for female buyers specifically to encourage property ownership among women, and this calculator applies that rebate automatically once you select buyer gender.
Why the number here is a planning estimate, not a quote
Stamp duty rates aren't static — they change periodically, and vary further by municipal corporation, property type and buyer category beyond what a single state-level rate can capture. Treat the figures here as representative planning numbers, not a substitute for checking your state's official IGR / Stamps & Registration portal before an actual transaction. Once you have a realistic stamp duty and registration figure, pair it with the house affordability calculator so these costs are built into your purchase budget from the start rather than discovered as a surprise at the registrar's office.
Sources
- State Inspector General of Registration (IGR) portals — Maharashtra, Delhi and other state Stamps & Registration departments