Which state has the lowest stamp duty rate in India?

States like Gujarat (4.9%) and Himachal Pradesh (4% for female buyers) offer some of the lowest stamp duty rates, while Maharashtra offers 1% concessions for female buyers.

Do female property buyers get stamp duty discounts in Indian states?

Yes, states including Delhi (4% vs 6%), Uttar Pradesh (1% concession up to Rs 10L), Maharashtra (1% rebate), and Punjab (2% discount) offer lower stamp duty rates for female buyers.

What is Metro Cess on stamp duty in Maharashtra and Karnataka?

Maharashtra levies an additional 1% Metro Cess on property transactions in urban limits like Mumbai, Pune, Thane, and Nagpur. Karnataka levies a 10% Infrastructure Cess on the total stamp duty amount for BBMP areas.

Are property registration fees capped in Indian states?

Yes, several states cap maximum registration fees. Maharashtra caps registration fees at Rs 30,000, Uttar Pradesh caps registration fees at Rs 20,000, Haryana caps registration fees at Rs 50,000, and Uttarakhand caps registration fees at Rs 25,000.

Can stamp duty be paid online via e-Stamping in India?

Yes, most states support e-Stamping through the Stock Holding Corporation of India Limited (SHCIL) or state IGR portals like e-Step in Maharashtra, Kaveri 2.0 in Karnataka, and IGRSUP in Uttar Pradesh.

Is stamp duty tax-deductible under Section 80C?

Yes, stamp duty and registration fees paid for purchasing a residential house qualify for tax deductions under Section 80C up to a maximum cap of Rs 1.5 Lakh per financial year.

What is Ready Reckoner Rate or Circle Rate?

Circle Rate or Ready Reckoner Rate is the minimum government-assessed valuation per square foot for property in a given locality. Stamp duty is calculated on whichever is higher between agreement value and circle rate.

What happens if stamp duty is underpaid during registration?

Underpaying stamp duty makes the property sale deed legally inadmissible as evidence in court and attracts heavy penalties ranging from 2% per month up to 10 times the unpaid stamp duty.

How does this state-wise stamp duty calculator work?

This calculator computes exact stamp duty, registration charges, female owner rebates, and municipal cesses across all 28 Indian states based on property value, ownership type, and property category.

Fermor is a financial platform for India. Every calculator is free to use, and a free account is available to save your results and access them later. Fermor is building an automated financial action system using the Account Aggregator framework to connect real accounts and close the gap between knowing what to do with your money and actually doing it.

State-wise Stamp Duty Calculator: 2026 Property Rates & Registration

What Is Stamp Duty?

Stamp duty is a statutory state tax levied on real estate title deeds and sale agreements in India under the Indian Stamp Act, 1899, ensuring legal validity and ownership registration in government land records.

In India, property stamp duty rates are governed individually by state legislatures. Consequently, stamp duty varies from 4% in Gujarat up to 8% in Kerala and Assam.

Additionally, many state governments provide a 1% to 2% stamp duty discount when property is registered in the name of a female owner to encourage female property ownership.

2026 Stamp Duty Rates Across 28 Indian States

The table below details current 2026 stamp duty percentages and registration fees across major Indian states:

2026 Stamp duty and registration fee rates across Indian states.
State	Male Buyer %	Female Buyer %	Registration Fee
Maharashtra (Mumbai / Pune)	5% (+ 1% Metro Cess)	4% (+ 1% Metro Cess)	1% (Max Rs 30,000)
Delhi NCR	6%	4%	1% Flat
Karnataka (Bangalore)	5% (+ 10% Cess on Duty)	5% (+ 10% Cess on Duty)	1% Flat
Tamil Nadu (Chennai)	7%	7%	2% Flat
Uttar Pradesh (Noida / Lucknow)	7%	6% (up to 10L discount)	1% (Max Rs 20,000)

How to Use This State-wise Stamp Duty Calculator

Select Your State: Choose your target state from the 28 Indian state list.
Enter Agreement Value: Input property sale price or circle rate value.
Select Gender Ownership: Choose Male, Female, or Joint to apply female buyer rebates.
Review Charges: View total stamp duty, registration fee, metro cess, and effective percentage rate.

Are you a CA or financial advisor?

Generate branded property stamp duty and Tax Optimization Reports for your clients.

Get started free

Frequently Asked Questions

Stamp duty is a statutory state-level property tax levied by state governments under the Indian Stamp Act, 1899, to validate legal ownership during property transfer and deed registration.

Disclaimer: Stamp duty rates and registration fee caps are determined by respective state Inspector General of Registration (IGR) departments and are subject to periodic state budget notifications. Verify official rates with your local Sub-Registrar Office before property deed execution.