Stamp Duty Calculator India — All States Registration Charges
Calculate stamp duty and registration charges for property purchases across all Indian states. Compare rates for men women and senior citizens.
Stamp duty rates in India vary significantly by state ranging from 4% in Andhra Pradesh to 8% in Kerala. Many states offer reduced rates for women buyers (typically 1-2% lower) as an incentive for female property ownership. Registration charges are additional ranging from 0.5% to 2% of property value. Understanding these costs before buying prevents budget surprises at the registration office.
Which state has the lowest stamp duty in India?
Andhra Pradesh has one of the lowest stamp duty rates at 5% while Karnataka charges 5.6% and Tamil Nadu charges 7%. Several states offer reduced rates for women buyers: Delhi charges only 4% for women versus 6% for men. Rajasthan offers 4.75% for women versus 6% for men. Buying property in a woman family member name can save 1-2% of property value.
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Income Tax Calculator (India FY 2025-26)
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 | 6% (5% for women in some areas) |
| Karnataka Stamp Duty | 5.6% (5% for women) |
| Delhi Stamp Duty | 6% (4% for women) |
| Registration Charges | 0.5% - 2% (varies by state) |
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Use Calculator NowFrequently Asked Questions
Which state has the lowest stamp duty in India?
Andhra Pradesh has one of the lowest stamp duty rates at 5% while Karnataka charges 5.6% and Tamil Nadu charges 7%. Several states offer reduced rates for women buyers: Delhi charges only 4% for women versus 6% for men. Rajasthan offers 4.75% for women versus 6% for men. Buying property in a woman family member name can save 1-2% of property value.
How to save on stamp duty in India?
Register in a woman name to get reduced rates in most states (saves Rs 50000-200000 on a Rs 50 lakh property). Check for festive season or government rebate schemes. Some states offer reduced rates for properties below certain values. PMAY beneficiaries may get stamp duty concessions in some states. Joint registration with a woman co-owner can also qualify for the lower rate.
Is stamp duty tax deductible in India?
Yes stamp duty and registration charges paid on a residential property are eligible for deduction under Section 80C up to Rs 1.5 lakh in the year of payment. This is a one-time benefit available in the year you register the property. Claiming this deduction along with home loan interest under Section 24 maximizes your tax savings from property purchase.
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