Quick answer
For a ₹75 lakh property in Karnataka, stamp duty is ₹3.75 L + registration ₹75,000 = ₹4.50 L total.
India · 2026
Stamp Duty Calculator
Calculate stamp duty and registration charges for property purchase across all major Indian states. Includes women buyer concessions.
State note
Flat 5% for all transactions above ₹45 lakhs. Below ₹35L: 3%. ₹35L-45L: 4%.
Total Government Charges
₹4.50 L
stamp duty + registration
Stamp Duty
₹3.75 L
5% of property value
Registration
₹75,000
1% of property value
Property Value
₹75.00 L
Agreement value
Total Outflow
₹79.50 L
Property + charges
Stamp Duty Rates by State — 2026
| State | Stamp Duty | Women Rate | Registration | Note |
|---|---|---|---|---|
| Maharashtra | 5% | 4% | 1% | Mumbai properties: 6% stamp duty. |
| Delhi | 6% | 4% | 1% | Women buyers get 2% concession. |
| Karnataka | 5% | — | 1% | Flat 5% for all transactions above ₹45 lakhs. |
| Telangana | 4% | — | 0.5% | Flat 4% stamp duty. |
| Tamil Nadu | 7% | — | 1% | 7% stamp duty flat. |
| Uttar Pradesh | 7% | 6% | 1% | Women buyers: 6%. |
| Haryana | 7% | 5% | 1% | Men: 7%, Women: 5% stamp duty. |
| West Bengal | 5% | — | 1% | Up to ₹40L: 4%. |
| Gujarat | 4.9% | — | 1% | 4. |
| Rajasthan | 6% | 5% | 1% | Women: 5%. |
| Madhya Pradesh | 7.5% | — | 1% | 7. |
| Kerala | 8% | — | 1% | Highest stamp duty in India at 8%. |
| Andhra Pradesh | 5% | — | 1% | 5% stamp duty flat. |
| Punjab | 7% | 5% | 1% | Women: 5%. |
| Bihar | 6% | 5.7% | 2% | 6% men, 5. |
Click any state row to update the calculator. Rates current as of 2026; verify with your registration office before transacting.
What Is Stamp Duty in India?
Stamp Duty is a State Tax on Property Transfers
Stamp duty is a state government tax levied on the transfer of immovable property. It is paid by the buyer and must be paid before or at the time of property registration. An unstamped or insufficiently stamped document is not legally enforceable in court. Rates vary by state — Kerala charges 8% (highest), Telangana charges 4% (lowest among metros).
Registration vs Stamp Duty
Stamp duty and registration charges are two separate fees. Stamp duty goes to the state government and is the larger amount (4-8% of property value). Registration fee goes to the Sub-Registrar's office and is typically 1% (sometimes capped at ₹30,000-2,00,000 depending on state). Both are paid together during property registration.
Women Buyer Concessions
Most Indian states offer a 1-2% stamp duty concession to women buyers. This is one of the most underutilised tax savings in Indian real estate. On a ₹75 lakh property, a 2% concession saves ₹1.5 lakhs. The concession applies only when the property is registered solely in a woman's name — not in joint ownership with a male co-owner in most states.
Tax Benefits on Stamp Duty
Stamp duty and registration charges paid on property purchase are deductible under Section 80C of the Income Tax Act — up to ₹1.5 lakhs per year (combined with other 80C investments like PPF, ELSS). This means for a ₹75 lakh property in Karnataka (5% + 1% = ₹4.5 lakhs), you can claim ₹1.5 lakhs as a tax deduction in the year of payment.