Rates for men, women and joint buyers, registration fee caps and extra cess, each with the official portal to check. Every row says whether we confirmed it on a government page or found it only in secondary sources.
Stamp duty on a property purchase in India ranges from about 4% to 10% of value depending on the state, plus a registration fee of 0.5% to 3%. Duty is charged on the higher of the agreed price or the government rate. Many states charge women less. Always check the state IGR portal before quoting.
RERACertified™ Professional (RCP) covers property documentation, registration and stamp duty in its state tracks, alongside the RERA Act. RERACertified sells this course. RCP is a private certification and does not replace state RERA agent registration.
See RERACertified™ Pro — ₹4,999 →| Question | Short answer |
|---|---|
| Who sets the rate? | Each state or UT, under its stamp law. There is no single national rate. |
| Typical stamp duty | About 4% to 10% of value; most states sit between 5% and 7%. |
| Typical registration fee | 0.5% to 3%; some states cap it (Maharashtra ₹30,000). |
| Charged on | The higher of the agreed price or the government rate (circle rate, ready reckoner, guideline value, jantri). |
| Women buyers | Lower rate in many states (Delhi 4% vs 6%); none in some (Kerala, West Bengal). |
| Final word | The state IGR portal or the Sub-Registrar on the day of registration. |
The table covers the 24 states and UTs our course tracks cover. As checked on 5 Nov 2026. Each row carries a status: Confirmed means we read the figure on the official government page; Reported – verify means we found it only in secondary sources (property portals, news, law-firm notes); Verify on portal means sources conflict or we found no reliable figure, so use the portal link. M / F / joint = man / woman / joint buyers.
| State / UT | Stamp duty | Registration fee | Cess, base and notes | Status | Official source |
|---|---|---|---|---|---|
| Andhra Pradesh | 5% stamp duty + 1.5% transfer duty (reported) | 1% reported; one source says 0.5% | Base: market value. No women's concession reported. | Verify on portal | igrs.ap.gov.in |
| Bihar | 6.3% male buyer / 5.7% female buyer (reported) | 2.1% male / 1.9% female (reported) | Gender split reported on both duty and fee. | Reported – verify | nibandhan.bihar.gov.in |
| Chhattisgarh | 5% male / 4% female (reported) | Verify (one source says 4%) | Verify on portal | igrs.cgstate.gov.in | |
| Delhi | 6% male / 4% female (confirmed); joint 5% (reported) | 1% + ₹100 pasting fee (confirmed) | On the higher of consideration or circle rate (confirmed). No cap listed. | Confirmed | revenue.delhi.gov.in |
| Goa | Value-based slabs, reported roughly 3.5% to 6% | Verify (slab-based) | Rate rises with property value. | Verify on portal | registration.goa.gov.in |
| Gujarat | 4.9% (3.5% duty + 40% surcharge on duty), reported | 1%; women sole buyers reported exempt | Base: jantri value. | Reported – verify | garvi.gujarat.gov.in |
| Haryana | Municipal areas 7% / 5% / 6%; outside 5% / 3% / 4% (M / F / joint), reported | Fixed slab amounts, reported maximum ₹50,000 | Base: collector rate. | Reported – verify | jamabandi.nic.in (HARIS) |
| Himachal Pradesh | Reported 6% to 8% by buyer and area; sources conflict | Verify | Verify on portal | himachal.nic.in/revenue | |
| Jammu & Kashmir | 7% male / 3% female (reported); joint: verify | 1.2% (reported) | District rate lists on the IGR portal. | Reported – verify | igr.jk.gov.in |
| Jharkhand | Sources conflict (4% flat, or 5% / 4% by gender) | Sources conflict (3% or 1%) | Verify on portal | jharkhand.gov.in/revenue | |
| Karnataka | 5% + 10% cess on the duty + surcharge on the duty (reported 2% urban, 3% rural); lower slabs reported for lower-value flats | 2% from 31 Aug 2025 (reported; notification of 29 Aug 2025) | Base: guideline value. | Reported – verify | igr.karnataka.gov.in |
| Kerala | 8% (reported) | 2% (reported) | No gender concession reported. Base: fair value. | Reported – verify | keralaregistration.gov.in |
| Madhya Pradesh | About 7.5% including local-body duty (reported); sources conflict | 3% reported; one source says 1% | Verify on portal | mpigr.gov.in | |
| Maharashtra | Mumbai 6% / 5% women (incl. 1% metro cess); Pune, Pimpri-Chinchwad, Thane, Nagpur 7% / 6% women (reported); other areas: verify | 1%, maximum ₹30,000 | 1% women's concession reported. Base: ready reckoner (ASR). | Reported – verify | igrmaharashtra.gov.in |
| Odisha | 5% (confirmed); a 4% women's rate is reported elsewhere but not on the IGR fee page | 2% (confirmed) | No cap listed. | Confirmed | igrodisha.gov.in |
| Puducherry | 10% (confirmed, Citizen Charter) | 1.5% + ₹100 computer fee (confirmed) | Base: higher of market value or GLR. | Confirmed | regn.py.gov.in |
| Punjab | 7% / 5% / 6% (man / woman / man + woman jointly), reported | 1%, reported maximum ₹2,00,000 | Total includes cess components. Facilitation charge reported ₹1,000 to ₹5,000. Base: collector rate. | Reported – verify | igrpunjab.gov.in |
| Rajasthan | 6% general (official schedule, 1 May 2024); women's rate and surcharge on duty: verify | 1% (official schedule, 1 May 2024) | A surcharge on stamp duty is reported; the amount conflicts across sources. | Verify on portal | epanjiyan.rajasthan.gov.in |
| Tamil Nadu | 7% (reported) | 2% reported (one source says 4%); women: 1% lower fee on property up to ₹10 lakh from 1 Apr 2025 (reported) | Base: guideline value. | Reported – verify | tnreginet.gov.in |
| Telangana | 5.5% + 1.5% transfer duty (outside gram panchayats); 5.5% in gram panchayats (confirmed) | 0.5% (2% in gram panchayats), confirmed | On market value or consideration, whichever is higher (confirmed). | Confirmed | registration.telangana.gov.in |
| Tripura | Reported 5%; not confirmed | Verify | Use the official fee calculator. | Verify on portal | registration.tripura.gov.in |
| Uttar Pradesh | 7%; women 1% less on property up to ₹1 crore (Cabinet, July 2025), reported | 1% (reported) | Base: circle rate. | Reported – verify | igrsup.gov.in |
| Uttarakhand | 5% implied by the official notification list; 25% rebate for women listed (current value limit: verify) | Rate: verify. Cap raised from ₹25,000 to ₹50,000 (Nov 2025 notification, per official list) | Verify on portal | registration.uk.gov.in | |
| West Bengal | Urban 6% up to ₹1 crore, 7% above; rural 5% / 6% (confirmed) | 1%, minimum ₹50 (confirmed) | No women's concession listed. | Confirmed | wbregistration.gov.in |
Many official IGR pages could not be opened by our checker on 5 Nov 2026, which is why several large states show "Reported". Rates change by notification; the portal on the day of registration overrides this table.
The calculator includes only the 15 states whose figures we confirmed or could label as reported. States marked "Verify on portal" are left out on purpose. The status label appears next to every result.
They are the same idea under different state names: a minimum value the government fixes for property in each area, used to stop deeds being registered at an artificially low price. You multiply the rate by the area (and adjust for floor, use or age where the state says so) to get the government value.
| Name | Used in |
|---|---|
| Circle rate / collector rate | Delhi, Uttar Pradesh, Punjab, Haryana |
| Ready reckoner (Annual Statement of Rates, ASR) | Maharashtra |
| Guideline value | Karnataka, Tamil Nadu (Puducherry: GLR) |
| Jantri | Gujarat |
| Market value / fair value | Telangana, Andhra Pradesh, West Bengal (market value); Kerala (fair value) |
Because the state wants its tax on the real worth of the property, not on whatever number the parties write. Delhi's Revenue Department states it directly: duty at 6% (men) or 4% (women) "of the consideration amount or the circle rate", whichever is higher (Confirmed). Telangana's ready reckoner and Puducherry's Citizen Charter say the same for market value. If a buyer pays ₹55 lakh for a flat whose circle value is ₹62 lakh, duty is on ₹62 lakh.
Undervaluing does not save money for long. State stamp laws let the registering officer refer an undervalued deed for valuation and recover the shortfall, usually with a penalty. Income-tax law can also treat the stamp duty value as the sale price for the seller, and tax the gap in the buyer's hands beyond a tolerance (Sections 50C and 56(2)(x) of the 1961 Act, now carried into the Income-tax Act, 2025; verify the new section numbers). The buyer should take tax advice.
Since April 2025 alone, Karnataka doubled its registration fee from 1% to 2% (reported, effective 31 Aug 2025), Uttar Pradesh widened its women's rebate from property up to ₹10 lakh to property up to ₹1 crore (reported by All India Radio, July 2025), and Tamil Nadu introduced a 1% registration fee cut for women on property up to ₹10 lakh (reported, from 1 April 2025). Circle rates are revised separately, often every year. Treat any figure older than the buyer's booking date as a draft.
Aman and Neha are buying a ₹60 lakh flat in Mohali (Punjab). Assume the collector-rate value is lower than ₹60 lakh, so duty is on the price. Punjab rates below are Reported – verify on igrpunjab.gov.in.
| Item | Joint (man + woman) | Neha alone |
|---|---|---|
| Stamp duty rate | 6% | 5% |
| Stamp duty | ₹3,60,000 | ₹3,00,000 |
| Registration fee (1%, cap ₹2 lakh not reached) | ₹60,000 | ₹60,000 |
| Total | ₹4,20,000 | ₹3,60,000 |
| Difference | ₹60,000 less in Neha's sole name. If Aman bought alone at 7%, the total would be ₹4,80,000. | |
Two more checks before they decide. First, if the collector-rate value were ₹64 lakh, duty and the fee would be on ₹64 lakh: duty of ₹3,84,000 jointly or ₹3,20,000 in Neha's name, plus ₹64,000 registration. Second, the saving is not the only factor. Sole ownership changes who owns the flat, whose name the loan can be in, and who can claim tax benefits. Point them to a lawyer or tax adviser for that choice; your job is to make the numbers clear. The price also crosses ₹50 lakh, so TDS on the purchase applies (see our TDS on property purchase guide).
| Untrained agent says | Trained agent knows |
|---|---|
| "Stamp duty is about 6% everywhere." | It runs from about 4% to 10% by state, and Haryana and Maharashtra vary inside the state too. |
| "Show a lower price on the deed and save duty." | Duty is on the higher of price or circle rate, undervaluation can bring deficit duty and penalty, and it can create income-tax trouble. |
| "Put it in your wife's name, it's always cheaper." | The concession depends on the state, sometimes on value limits (UP: up to ₹1 crore) and conditions. Ownership consequences need a lawyer. |
| "Registration is 1%." | It is 0.5% to 3% by state, capped in some (Maharashtra ₹30,000), slab-based in Haryana, and Karnataka moved to 2% in 2025. |
| "I read the rate on a website." | Websites go stale. The IGR portal or Sub-Registrar on the day is the only figure to quote. |
The India Real Estate Dictionary explains circle rate, jantri, guideline value, conveyance deed, e-stamping and hundreds more terms by state, so you can explain them to a buyer in plain words. Prefer to browse first? Use the free online dictionary.
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