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Calculate your stamp duty
Disclaimer
Results generated by the calculator(s) are indicative in nature. The interest rate applied on the loan will depend on the prevailing rates at the time of loan booking.
The calculator(s) is not intended to provide its users/ customers with results that are either certified by Bajaj Finance Limited (“BFL”) or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by BFL, under any circumstances. The calculator(s) is only a tool that assists the users/ customers arrive at the results of various illustrative scenarios generated from data input by the user/ customer. The use of the calculator is entirely at the risk of the user/ customer, BFL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator.
Stamp duty calculator - Estimate the stamp duty and registration fees
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When purchasing a property in India, the cost goes beyond the sale price alone. Buyers must also pay stamp duty and registration fees, which usually add around 2–7 percent to the total property cost. These expenses can reach several lakhs, so it’s vital to understand them before finalising your purchase. Stamp duty is a legal tax based on the property’s value, while registration fees make the transaction officially valid. Both must be paid when the property is registered. Using our Stamp Duty and Registration Fee Calculator, you can easily find out how much you’ll need to pay in your state, helping you plan your finances with confidence and clarity.
What is stamp duty?
Stamp Duty is a fee levied by the state government when buying a new property. This fee is used to validate the registration of the property in your name, and legalise your property ownership document. Without paying Stamp Duty on the property registration document, you will not be considered a legal owner of the property in question.
What is a stamp duty calculator?
Stamp Duty Calculator is an online tool that is designed to help you accurately assess the amount of stamp duty you will have to pay towards your property, so that you know exactly how much home loan you need. When taking a home loan, there are a host of expenses involved beyond the cost of the house itself. Stamp duty and registration charges are among the extra charges that need to be paid when you register ownership of your new house.
How to use the stamp duty calculator
Using a stamp duty calculator is simple and convenient. Just follow these steps:
- Select your state or union territory: Choose the location of your property from the list. Rates differ across states, so this step ensures accuracy.
- Enter your property’s value: Type in the total property price or use the slider to set the correct amount.
- Check the estimated amount: The calculator will instantly show the estimated stamp duty and registration fees, based on the latest applicable rates.
- (Optional) Download or save the results: You can download your estimate to keep for your records or future comparison.
The calculator automatically applies the most recent rates for your selected state, giving you a clear, reliable estimate of total charges. This helps you budget effectively and understand your complete property cost in advance.
Formula for calculating stamp duty
The general formula to calculate stamp duty is:
Stamp Duty = (Property Value × Stamp Duty Rate) + Surcharge + Cess
- Property value: The higher amount between the actual sale price and the government-assessed rate, commonly called the circle rate or ready reckoner rate.
- Stamp duty rate: This rate varies depending on the state, property type, and ownership details (e.g., women buyers may get concessions).
- Surcharge and cess: Certain states may apply additional charges such as surcharges or cesses on top of the basic stamp duty.
This formula helps estimate the total duty payable during property registration.
How to calculate stamp duty and registration charges
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The cost of stamp duty is generally 2-7% of the property’s market value. Registration charges tend to be 1% of the property’s market value. As such, these charges can run into lakhs of rupees. To avoid any shortfall in funds when buying your home and registering the property in your name, ensure that you also requisition for the stamp duty and registration charges when you apply for the home loan amount.
There are several factors that determine the exact amount of stamp duty you will need to pay. These are:
- The market value of the property
- Type of property, along with the number of floors
- The intended usage for the property, whether residential or commercial
- Location of the property
- Age and gender of the property owner
Understanding these factors helps you estimate the total cost of property ownership accurately. Once you know the stamp duty amount, you can better plan your overall budget, including the home loan amount you may need. Bajaj Finserv offers home loans of up to Rs. 15 Crore* with hassle-free approval in 48 hours*, making your home buying journey smoother. Check your loan offers now. You may already be eligible, find out by entering your mobile number and OTP.
Calculate your stamp duty and registration charges
Stamp duty is determined based on the property's ready reckoner rate, market value, or circle rate. Here is how you can calculate stamp duty:
For example:
Details
Values
Circle rate in your area
Rs. 4,000 per sq ft
Size of the property
1,000 sq ft
Property cost as per circle rate
Rs. 60 lakh
Stamp duty rate
6 percent
Stamp duty payable
Rs. 3,60,000
Registration charges
1 percent
Registration charges payable
Rs. 60,000
Total stamp duty and registration charges payable
Rs. 4,20,000
When budgeting for your new home, remember to account for both stamp duty and registration charges alongside your property cost. Having the right financial support makes this process easier. A home loan from Bajaj Finserv provides flexible financing options with low EMIs starting at just Rs. 664/lakh*, plus the benefit of no foreclosure fees for floating rate individual borrowers. Check your eligibility for a home loan from Bajaj Finserv today. You may already be eligible, find out by entering your mobile number and OTP.Stamp duty charges in various cities
States
Stamp duty rates*
State-specific stamp duty information
Andhra Pradesh
5%
Chhattisgarh
Males: 7%
Females: 6%
Gujarat
4.9%
Haryana
Males - 7%
Females – 5%
Karnataka
5% (Consideration above Rs. 35 lakh)
3% (Consideration between Rs. 21-35 lakh)
2% (Consideration Less than Rs. 20 lakh)
Kerala
8%
Madhya Pradesh
7.50 %
Maharashtra
6%
Odisha
Male: 5%
Female: 4%
Punjab
7% (Male)
5% (Female)
Rajasthan
Male: 6%
Female: 5%
Tamil Nadu
7%
Telangana
5%
Uttar Pradesh
7%
Uttarakhand
5%
West Bengal
Upto Rs. 40 lakh - 7%
Above Rs. 40 lakh - 8%
Bihar
6%
Jharkhand
4%
Assam
8.25% (for men), 7.75% (for women)
Factors that influence stamp duty and registration charges
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The calculation of stamp duty and registration charges varies based on several factors, such as:
1. Age of the property owner
- Many states in India provide concessions on stamp duty for senior citizens.
- If the buyer is classified as a senior citizen (60+), they are eligible for a reduced stamp duty rate.
2. Gender of the buyer- Several states in India provide lower stamp duty rates for women buyers.
- This is done to encourage female property ownership.
- The rebate is usually in the range of 1% to 2% compared to the standard rate applicable to male buyers.
3. Purpose of property purchase- The intended use of the property also affects the applicable stamp duty rates.
- Commercial properties generally attract higher stamp duty charges than residential properties.
- Similarly, industrial or mixed-use properties have different stamp duty rates.
4. Location of the property- Stamp duty rates vary based on whether the property is located in an
- Urban
- Suburban
- Rural area
- Properties in urban areas (particularly those within municipal boundaries or prime localities) have higher stamp duty charges.
- In contrast, rural properties or those located outside municipal limits have lower stamp duty rates.
5. Available amenities and facilities- Some properties come with additional amenities, such as:
- Swimming pools
- Gyms
- Clubs
- Libraries
- Community halls
- These properties usually incur higher stamp duty charges.
- The government considers these amenities as value additions to the property.
- This leads to an increase in the overall stamp duty liability.
6. Market value of the property- Stamp duty is calculated as a percentage of the property’s market value or circle rate.
- In India, circle rates are set by the state government.
- They represent the minimum price at which a property can be registered.
- Higher property values or circle rates result in higher stamp duty payments.
Features and benefits of our home loan
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- Loan of up to Rs. 15 Crore*
Buying a home is one of the biggest milestones. Achieve it with a sizeable amount of up to Rs. 15 Crore*. - Low interest rates
With our loan interest rates starting at 7.25% p.a.*, pay EMIs as low as Rs. 671/lakh*. - Approval in 48 Hours*
Your loan application will be approved within 48 Hours* of your application, in some cases, even earlier. - Tenure of up to 32 years*
Pay back your loan comfortably with our long repayment tenure ranging up to 32 years*. - No foreclosure fee for individuals
Individual borrowers who choose a floating interest rate can foreclose the entire amount or prepay a part of the loan without paying an additional fee. - Hassle-free application
Our doorstep document pick-up service helps to skip numerous branch visits and enables an easy application process. - Balance Transfer facility
Benefit from our home loan balance transfer facility and be eligible for a top-up loan of up to Rs. 1 crore* or higher. - 5000+ approved projects
Choose from our 5000+ approved projects to avail of a quick loan. - Externally benchmarked interest rates
You can opt for interest rates linked to an external benchmark, such as the repo rate to benefit during favourable market conditions.
*Terms and conditions apply
- Loan of up to Rs. 15 Crore*
Eligibility criteria and documents required
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Anyone can apply for our home loan as long as they meet the criteria mentioned below.
Eligibility criteria
- Nationality:
You must be an Indian citizen residing in India. - Age:
A salaried applicant must be between 23 years to 67 years, and a self-employed professional must be between 23 years to 70 years
*The upper age limit is considered as the age at the time of loan maturity.
- CIBIL Score:
A CIBIL Score of 725 or higher is ideal to get a home loan. - Occupation:
Salaried employee, a professional individual, and a self-employed individual.
Documents required
- KYC documents (identity and address proof)
- Proof of income (salary slips or P&L statement)
- Proof of business (for self-employed applicants), and
- Account statements for the last 6 months
Note: This is an indicative list that may change based on your actual loan application.
- Nationality:
Frequently asked questions
About Stamp Duty Calculator
Stamp duty on home loan
A stamp duty calculator helps you quickly estimate the amount payable on property registration. By entering details like the property’s value, location, and type, the tool applies state-specific rates and any surcharges. It instantly shows an estimated cost, saving time and reducing the chance of manual errors. It’s a quick way to plan your total registration expenses.
A stamp duty calculator is useful because it gives accurate cost estimates and removes the need for manual calculations. It automatically uses the correct rates for your state and property type, helping you budget efficiently. It also helps buyers identify concessions or rebates, such as lower rates for women, ensuring they are financially prepared before property registration.
The general formula used is:
Stamp Duty = (Property Value × Stamp Duty Rate) + Surcharge + Cess
However, the exact components can differ depending on the state or property type. Always check the latest government guidelines, as rates and surcharges may vary between regions or property categories.
You cannot avoid paying stamp duty completely, as it is mandatory. However, under Section 80C of the Income Tax Act, you can claim a deduction of up to Rs. 1.5 lakh for stamp duty and registration fee payments. In the case of joint ownership, each co-owner can claim their share of the deduction.
While stamp duty calculators provide a close estimate, they may not always reflect the exact final amount. Rates are subject to change by state governments, and certain exemptions or additional fees might apply. It’s always best to verify the amount with official authorities before making payment.
You can pay stamp duty in multiple ways, such as:
- E-stamping: Pay online through authorised state government portals.
- Stamp paper: Purchase physical stamp paper of the required value.
- Franking: Pay at a designated bank, where the document is stamped to confirm payment.
Generally, stamp duty and registration fees are not covered in the home loan amount sanctioned by banks or lenders. Buyers are required to pay these charges separately from their own funds before or during property registration. However, you can plan your overall financing better by ensuring your home loan amount adequately covers the property price, leaving you with sufficient savings for these additional costs. Bajaj Finserv provides home loans up to Rs. 15 Crore* with flexible repayment tenure and competitive rates to help you manage your property purchase comfortably.
In most cases, the buyer pays the stamp duty unless a different arrangement is clearly mentioned in the sale agreement. It’s advisable to confirm the payment responsibility beforehand to avoid confusion later.
A woman purchases a residential property in Delhi valued at Rs. 1 crore.
- Property value: Rs. 1,00,00,000
- Applicable rate: 4% (for women in Delhi)
- Calculation: Rs. 1,00,00,000 × 4% = Rs. 4,00,000
Hence, the stamp duty payable is Rs. 4 lakh.
A document that is not properly stamped or registered is not legally valid as evidence in court. Such documents can attract penalties and fines. It’s crucial to pay the correct stamp duty and complete registration to ensure the transaction is legally enforceable.
The method varies by transaction type:
- Sale deed: Calculated as a set percentage of the property’s value.
- Lease agreement: Depends on the lease term, total rent, and deposit; shorter leases have lower rates.
- Gift deed: Based on the donor–recipient relationship; some states offer concessions for gifts to relatives.
- Commercial property: Usually charged at a higher rate than residential properties.
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.