Stamp duty and registration rates by state
Typical rates for residential property in cities, as of 22 Oct 2026. Your local rate may differ.
| State | Men | Women | Registration |
|---|---|---|---|
| Karnataka (Bengaluru) | 5.6% | 5.6% | 2% |
| Maharashtra (Mumbai) | 6% | 5% | 1% (max ₹30,000) |
| Maharashtra (Pune, Thane, Nagpur) | 7% | 6% | 1% (max ₹30,000) |
| Delhi | 6% | 4% | 1% |
| Tamil Nadu (Chennai) | 7% | 7% | 2% |
| Telangana (Hyderabad) | 5.5% | 5.5% | 0.5% |
| Uttar Pradesh | 7% | 6% | 1% |
| Gujarat | 4.9% | 4.9% | 1% (women nil) |
| West Bengal (Kolkata) | 6% | 6% | 1% |
| Rajasthan | 6% | 5% | 1% |
| Haryana (urban) | 7% | 5% | 1% |
| Punjab | 7% | 5% | 1% |
| Kerala | 8% | 8% | 2% |
How stamp duty is calculated
Stamp duty = property value × state rate
Registration fee = property value × registration rate, up to any cap.
For an ₹80 lakh flat in Bengaluru, stamp duty at 5.6% is ₹4,48,000 and registration at 2% is ₹1,60,000, so you need about ₹6,08,000 on top of the price.
Questions people ask
Is stamp duty charged on the price I pay or the government value?
On whichever is higher: the price in your sale deed or the government’s guidance value for that area (called circle rate, ready reckoner rate or guidance value, depending on the state).
Do women pay less stamp duty?
In several states, yes: Delhi, Maharashtra, Uttar Pradesh, Haryana, Punjab and Rajasthan charge women buyers 1% to 2% less, and Gujarat waives the registration fee. Karnataka, Tamil Nadu, Telangana and Kerala have no concession.
Can I claim stamp duty as a tax deduction?
In the old tax regime, stamp duty and registration fees paid for a residential house can be claimed under 80C, within the ₹1.5 lakh limit, in the year you pay them.
Is stamp duty included in my home loan?
Usually not. Banks lend against the property value, so stamp duty and registration are paid from your own savings. Budget for them separately.
About these rates
Compiled from published 2026 state-wise guides and checked 22 Oct 2026. Sources disagree for some states, so we show the most widely reported urban rates and let you edit them. Some states also charge metro cess, local body tax, or fixed fees not shown here. This is an estimate; your sub-registrar's calculation is final.