Property Registration Calculator — State-wise Stamp Duty and Charges — India 2026
Calculate property registration charges and stamp duty for all Indian states. Compare rates for men women and joint registration to save on property.
When buying property in India you must pay stamp duty and registration charges on top of the property price. Stamp duty varies significantly from state to state ranging from 3% to 10% of the property value. Registration charges are typically 1% in most states. Several states offer reduced rates for women buyers as an incentive. For a Rs 50 lakh property these charges can range from Rs 2 lakh to Rs 5.5 lakh depending on the state making it essential to budget for these costs.
Which state has the lowest stamp duty?
Among major states Rajasthan offers some of the lowest effective rates at 4% for women and 5% for men. Kerala charges 8% but with lower property prices the absolute amount is manageable. Among Union Territories Goa charges just 3.5% for properties under Rs 50 lakh. Several northeastern states also have lower rates. Women buyers get reduced rates in many states with discounts of 1-2% being common.
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Stamp Duty Calculator
How Tax Calculation Works
Income tax is calculated on your total taxable income after deducting eligible exemptions and deductions from your gross income. The tax is applied progressively — you pay a lower rate on initial income slabs and higher rates only on income that exceeds each threshold. This means moving into a "higher tax bracket" does not mean your entire income is taxed at the higher rate. Understanding marginal vs effective tax rate is crucial: your marginal rate applies only to the last rupee earned, while your effective rate is the average across all slabs.
Tax-Saving Strategies
Under the old regime, maximize deductions: Section 80C allows up to Rs 1.5 lakh through PPF, ELSS, EPF, and life insurance. Section 80D covers health insurance premiums up to Rs 25,000 (Rs 50,000 for senior citizens). Section 80CCD(1B) offers an additional Rs 50,000 deduction for NPS contributions. Home loan interest up to Rs 2 lakh is deductible under Section 24. Under the new regime, the Rs 75,000 standard deduction and lower slab rates may save you more if your total deductions are below Rs 3.75 lakh. Calculate under both regimes before choosing.
Key Information
| Parameter | Details |
|---|---|
| Maharashtra Stamp Duty | 5% (6% in Mumbai) |
| Delhi Stamp Duty | 4% (women) 6% (men) |
| Karnataka Stamp Duty | 5% (2% for properties under Rs 20L) |
| Registration Charges | 1% in most states |
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Use Calculator NowFrequently Asked Questions
Which state has the lowest stamp duty?
Among major states Rajasthan offers some of the lowest effective rates at 4% for women and 5% for men. Kerala charges 8% but with lower property prices the absolute amount is manageable. Among Union Territories Goa charges just 3.5% for properties under Rs 50 lakh. Several northeastern states also have lower rates. Women buyers get reduced rates in many states with discounts of 1-2% being common.
Do women pay less stamp duty in India?
Yes many Indian states offer reduced stamp duty for women property buyers. In Delhi women pay 4% versus 6% for men. In Haryana it is 4% versus 7% for men. In Rajasthan women pay 4% versus 5% for men. These reductions are designed to encourage female property ownership. Registering property jointly with a female co-owner can also unlock reduced rates in several states. This discount can save Rs 50000-200000 on a typical property.
Can stamp duty be claimed as tax deduction?
Yes stamp duty and registration charges paid on a residential property are eligible for deduction under Section 80C of the Income Tax Act up to the overall limit of Rs 1.5 lakh per financial year. This deduction is available only in the year of payment and only for residential properties. It applies regardless of whether you take a home loan or purchase outright. This is in addition to home loan interest deduction under Section 24.
Which tax regime should I choose — old or new?
Choose the new regime if your total deductions are below Rs 3.75 lakh. Choose the old regime if you claim HRA, 80C (Rs 1.5L), 80D, home loan interest, and NPS totaling more than Rs 3.75 lakh. Salaried employees can switch every year.
Is income up to Rs 12 lakh really tax-free?
Under the new regime for FY 2025-26, income up to Rs 12 lakh is effectively tax-free due to Section 87A rebate. After Rs 75,000 standard deduction, taxable income is Rs 11.25 lakh which qualifies for full rebate. However, income even slightly above Rs 12 lakh loses this entire benefit.
How can I save more tax legally?
Under the old regime, maximize 80C (Rs 1.5L via PPF, ELSS, EPF), 80D (Rs 25K-50K for health insurance), 80CCD(1B) (Rs 50K for NPS), HRA exemption, and home loan interest (Rs 2L under Section 24).
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Last updated: March 2026