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About the Stamp Duty Calculator
Stamp duty and registration are the largest cash costs of a property purchase after the down payment, and they cannot be financed. On an ₹80 lakh property in Maharashtra they run to roughly ₹5.3 lakh, payable at registration.
Rates vary widely by state — from about 4% in Gujarat to 8% in Kerala — and many states offer a concession of 1–2% where the buyer is a woman, which is a genuine reason to consider registering in a spouse's name.
The formula
Municipal cesses and metro surcharges apply in some cities on top of the state rate.
Things worth knowing
Frequently asked questions
It varies by state — broadly 4% to 8% of the property value — plus registration charges of about 1%. The calculator above carries the current indicative rate for each major state.
Generally no. Lenders fund a percentage of the property value and exclude stamp duty and registration, so these must come from your own savings.
Yes — stamp duty and registration charges qualify under Section 80C, within the overall ₹1.5 lakh limit, in the year they are paid. This is available only under the old regime.
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