Free stamp duty calculator for India, UK, Australia, UAE, Singapore and more. Know all upfront property costs.
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⚠️ Estimates only. Not financial advice. Consult a licensed professional.
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Most property buyers focus intensely on the purchase price and home loan EMI. Stamp duty, registration fees, processing charges, and legal costs can add 8–12% to the total transaction cost — money that must come entirely from your own savings, not from the home loan. Many first-time buyers discover this only at the registration office, creating an unexpected financial shock at the worst possible moment.
Stamp Duty (5% of agreement value): ₹3,00,000
Registration Fee (1%): ₹60,000
GST on Registration (18% on fee): ₹10,800
Loan Processing Fee (0.5% on ₹45L): ₹22,500
GST on Processing Fee (18%): ₹4,050
Legal/Documentation Charges: ₹15,000
GST on Legal Charges (18%): ₹2,700
Property Valuation Fee: ₹5,000
MODT (Memorandum of Deposit): ₹5,000 (state-specific)
Total Upfront Costs: ₹4,25,050
Maharashtra: 5% (6% in Mumbai Municipal Corporation area). Women buyers: 4%. Additional 1% metro cess in Mumbai.
Delhi: 4% for women buyers, 6% for men. Joint registration where primary buyer is a woman: 4%.
Karnataka: 5% (2% for women). Additional 1% cess on properties above ₹35 lakhs.
Tamil Nadu: 7% — among the highest in India. Plus 1% registration fee.
Gujarat: 4.9% on residential. No gender-based concession.
Rajasthan: 6% (5% for women). Plus 1% registration fee.
Uttar Pradesh: 7% (registration) + 1% additional. 7% total effective for most buyers.
West Bengal: 6% (5% for properties below ₹1 crore in some cases).
This is the most important fact for first-time buyers: banks do not finance stamp duty or registration fees as part of the home loan. Every lender in India — bank or NBFC — provides funds only for the property itself. Stamp duty and registration are legal costs for executing the sale deed and must be paid from your own savings at the time of registration.
Registering property in a woman's name saves 1–2% on stamp duty in most states. On a ₹60 lakh property in Delhi, registering in a woman's name saves ₹1,20,000 in stamp duty alone. Many states also offer reduced registration fees for women buyers. If a couple is purchasing jointly, making the woman the first or sole registered owner maximises these benefits without affecting loan eligibility or tax deductions.
If you are purchasing an under-construction property from a developer (before Occupancy Certificate is issued), GST is applicable at 5% of the agreement value (1% for affordable housing under ₹45 lakhs in specified cities). Ready-to-move-in properties with Occupancy Certificate are exempt from GST. Always verify whether your specific property qualifies as affordable housing under the GST definition before budgeting.
Legitimate strategies to reduce stamp duty within the law: (1) Register in a woman's name — saves 1–2% in most states. (2) Register at circle rate rather than agreement value if circle rate is lower (though this creates capital gains implications for the seller). (3) For gifted property between close relatives, many states charge nominal stamp duty of ₹200–₹500 regardless of property value. (4) Gift within family now and allow the giftee to take the home loan — though this requires the giftee to have sufficient income for loan eligibility.