Stamp Duty Calculator
Buying a home? Estimate the stamp duty and registration charges you will pay. Choose your state or enter your own rates, add the property and circle rate values, then press Calculate.
Written by TopicDrill Editorial Team·Updated June 2026
Acquisition cost breakdown
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How the stamp duty calculator works
The tool first decides the chargeable value, which is the higher of the price in your sale agreement and the government circle rate for that location. It then applies your state stamp duty rate to that value, adds the registration charge, and reports both the total charges and the all-in cost of acquiring the property.
Pick a state preset to load indicative rates, or type your own figures if you know the exact rate for your locality and buyer category. The donut chart shows how the duty and registration fee sit alongside the property value, so you can see at a glance how much the paperwork adds to your purchase.
A quick example
Consider a flat worth 80 lakh in a Maharashtra city at 6 percent stamp duty and 1 percent registration, with the registration capped at 30,000. Stamp duty comes to 4.8 lakh, registration is capped at 30,000, and the total charges are about 5.1 lakh, lifting the all-in cost to roughly 85.1 lakh.
Things to keep in mind
Rates change with state budgets, and some states add a small cess or metro surcharge on top of the base duty, so confirm the current figure before you register. State government portals such as the Maharashtra IGR site publish the latest rates and ready reckoner values. To plan the loan side of your purchase, pair this with our mortgage calculator.
Frequently asked questions
What value is stamp duty charged on?
Stamp duty is charged on the higher of your agreement value and the government-set circle rate, also called the ready reckoner value. If the price you negotiated is below the official rate for that locality, the duty is still calculated on the higher official figure, so this tool always uses the larger of the two.
Why do stamp duty rates differ by state and gender?
Stamp duty is a state subject, so each state sets its own rate and many also vary it within cities and rural areas. Several states offer a lower rate to women buyers to encourage property ownership, which is why a female buyer in some states pays a couple of percentage points less than a male buyer on the same property.
What is the registration charge and is it capped?
The registration charge is a separate fee for recording the sale with the sub registrar, usually around one percent of the chargeable value. A few states cap this charge at a fixed maximum, so on a high value property the registration fee stops rising once it hits the cap. Enter a cap in the tool to model that.
Are stamp duty and registration charges part of my home loan?
Usually not. Lenders typically fund a percentage of the property value but exclude stamp duty and registration, so you generally pay these charges from your own funds at the time of registration. Budget for them on top of your down payment when planning a purchase.
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