Stamp Duty & Registration Calculator India — Property Purchase Cost 2026

Last updated: 29 April 2026 Reviewed by Arjun Mehta, CA

**Stamp duty** is a one-time state government tax on property purchase, typically ranging from 3% to 8% of the property value depending on the state. Registration charges add another 0.5–2%. In Maharashtra: 6% stamp duty (5% for women buyers) + 1% registration. In Karnataka: 3% for ₹45L+. Understanding these upfront costs is essential for property purchase planning.

Property Value (₹)

State

Buyer Gender

Stamp Duty —

Registration Charge (1%) —

Total Government Charges —

Applicable Rate —

View Year-by-Year Breakdown

Real-World Examples — 2026

₹50 lakh flat purchase in Mumbai

Stamp duty (6%): ₹3,00,000. Registration charge (1%, capped at ₹30,000): ₹30,000. Total government charges: ₹3,30,000 — about 6.6% of property value. Women buyers pay 5% stamp duty instead of 6%, saving ₹50,000.

₹1 crore property in Karnataka

Karnataka stamp duty (5%): ₹5,00,000. Registration (1%): ₹1,00,000. Total: ₹6,00,000 on a ₹1 crore property. BBMP charges additional betterment levy in some areas. Always budget 6–8% over property cost for all charges.

Frequently Asked Questions

What is stamp duty on property purchase in India?

Stamp duty is a state tax on property transactions, typically 4–8% of the transaction value. It varies by state, gender (women buyers often get 1–2% concession), property type, and location (urban vs rural). It must be paid before registration. Non-payment makes the deed legally unenforceable.

What are the stamp duty rates in Maharashtra 2026?

Maharashtra stamp duty: 6% for properties above ₹30 lakh in urban areas (5% stamp duty + 1% metro cess). Women buyers get 1% rebate. Local body tax and LBT may apply. Registration fee: 1% of property value, capped at ₹30,000 for properties above ₹30 lakh.

Is stamp duty tax-deductible?

Stamp duty and registration charges paid for a house are deductible under Section 80C (within ₹1.5 lakh limit) in the year of payment. This is in addition to the principal repayment on home loan. Only available under the old tax regime.

Is this calculator free?

Yes, completely free on CalcPhi.

Are my inputs stored?

No. Calculations run in your browser.

Is it mobile-friendly?

Yes. Works on all modern smartphones.