Stamp Duty Calculator — Know Property Registration Costs by State — India 2026
Calculate stamp duty and registration charges for property purchase in any Indian state. Compare rates for male female and joint registration options.
Stamp duty and registration charges are significant additional costs when buying a property often adding 7-10% to the property price. These charges vary by state and some states offer reduced rates for women buyers. For example Maharashtra charges 6% stamp duty but only 5% if the property is registered in a woman's name. Understanding these charges upfront helps you budget accurately for your property purchase and can save lakhs by structuring the registration strategically.
How much stamp duty for a Rs 50 lakh flat in Mumbai?
For a Rs 50 lakh property in Mumbai the stamp duty would be Rs 3 lakh (6%) for male registration and Rs 2.5 lakh (5%) for female registration. Registration charges add another Rs 30000 (1% capped at Rs 30000). Total additional costs would be Rs 3.30 lakh for male or Rs 2.80 lakh for female buyer saving Rs 50000 by registering in a woman's name.
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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 | 6% (5% for women) |
| Karnataka Stamp Duty | 5% (3% for affordable housing) |
| Delhi Stamp Duty | 4% - 6% (based on gender and property type) |
| Registration Charges | 1% of property value (most states) |
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Use Calculator NowFrequently Asked Questions
How much stamp duty for a Rs 50 lakh flat in Mumbai?
For a Rs 50 lakh property in Mumbai the stamp duty would be Rs 3 lakh (6%) for male registration and Rs 2.5 lakh (5%) for female registration. Registration charges add another Rs 30000 (1% capped at Rs 30000). Total additional costs would be Rs 3.30 lakh for male or Rs 2.80 lakh for female buyer saving Rs 50000 by registering in a woman's name.
Can I save stamp duty by registering in wife's name?
Yes many states including Maharashtra Rajasthan Delhi and Haryana offer reduced stamp duty rates for women buyers. Registering the property in your wife's name or as a joint owner with a woman as the first holder can save 1-2% of property value. On a Rs 1 crore property this saves Rs 1-2 lakh. However consider the legal implications of property ownership.
Are stamp duty charges tax deductible?
Stamp duty and registration charges paid for 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. This deduction is available only in the year of payment. For home loan borrowers this is in addition to the principal repayment deduction also claimed under 80C.
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