Stamp Duty Calculator — Calculations & Slabs for FY 2026-27

Stamp duty is a state government tax levied on legal documents, primarily property purchase and transfer agreements. Paying stamp duty is legally mandatory because it acts as proof of ownership in a court of law and registers the transaction in government records.

Yes, several Indian states offer concessional stamp duty rates (typically 1% to 2% lower) for female buyers or joint ownerships where a female is a primary owner. This is done to encourage and promote property ownership among women. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

The property registration fee is the charge paid to the government registrar to record the sale deed. In most states, it is calculated as 1% of the property value, though some states have set a maximum cap (e.g., capped at ₹30,000 in Maharashtra).

Generally, banks do not include stamp duty and registration fees in the home loan amount (LTV ratio). You are required to pay these transaction costs out of your own pocket as part of your down payment, although some lenders may offer separate personal loans for these fees.

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.