Stamp Duty & Registration Charges Calculator

Calculate stamp duty and property registration charges for your flat or property purchase. Supports split payment (online + cash) — stamp duty is always calculated on the online (declared) amount only.

Property & Payment Details

Base Amount (Total Property Value) ₹50,00,000
Total price quoted by the builder (online + cash together)
₹
₹1L ₹1.25Cr ₹2.5Cr ₹3.75Cr ₹5Cr
Cash Component ₹0
Cash portion of base amount — online amount adjusts automatically
₹
₹0 ₹1.25Cr ₹2.5Cr ₹3.75Cr ₹5Cr
Online / Declared Amount ₹50,00,000
Base Amount − Cash Component  ·  Stamp duty is calculated on this amount only
Stamp Duty Rate 6%
%
1% 3% 5% 7% 10%
Varies by state — check your state's current rate
GST Rate 6%
%
0% 2.5% 5% 7.5% 10%
GST applicable on under-construction properties — set 0% for ready-to-move
Registration Charges ₹30,000
₹
₹1K ₹25K ₹50K ₹75K ₹1L
Fixed amount set by state government or builder agreement
Total Amount Payable
₹53,30,000
Total Govt. Charges
₹3,30,000
₹3,00,000
Stamp Duty
₹3,00,000
GST
₹30,000
Registration Charges
₹50,00,000
Total Property Value

Detailed Cost Breakdown

Base Amount (Total Property Value)
₹50,00,000
↳ Online / Declared Amount
₹50,00,000
↳ Cash Component
₹0
Stamp Duty (6% on online amount)
₹3,00,000
GST (6% on online amount)
₹3,00,000
Registration Charges (Fixed)
₹30,000
Total Amount Payable
₹53,30,000

About This Calculator

This stamp duty and registration charges calculator is designed for flat buyers and builders in India. It handles split-payment scenarios where the property price has two components — an online (white) amount and a cash (informal) component. Stamp duty is computed only on the declared/online amount, as per standard property registration practice.

How It Works

  • Online Amount: The declared property value used for stamp duty calculation (typically the amount in the sale agreement).
  • Cash Amount: Any additional cash component — added to give you the true total cost of the property, but not used for stamp duty computation.
  • Stamp Duty: Calculated as a percentage of the Online Amount. Rates vary by state (typically 4%–8%). The default is 6%.
  • Registration Charges: A fixed fee charged by the sub-registrar's office. The default is ₹30,000 but can be edited to match your state/locality.
  • Total Payable: Online Amount + Cash Amount + Stamp Duty + Registration Charges.

Stamp Duty Rates by Major States (Approx.)

State Stamp Duty Rate Registration Charges Notes
Maharashtra5% – 7%1% (max ₹30,000)Varies by city; Mumbai 6%
Karnataka5%1%Bengaluru 5.6%
Delhi4% (women) / 6% (men)1%Circle rate applicable
Gujarat4.9%1%Fixed at 1% of value
Tamil Nadu7%4%High registration
Uttar Pradesh7%1%Max ₹20,000
Note: Stamp duty rates and registration charges are set by individual state governments and are subject to change. Always verify the current rates with your state's registration department or a legal advisor before completing a property transaction.

What is stamp duty on property purchase?

Stamp duty is a state government tax levied on property transactions in India. It is calculated as a percentage of the property's declared/agreement value and must be paid before or at the time of property registration. Rates typically range from 4% to 8% depending on the state.

Are registration charges separate from stamp duty?

Yes. Stamp duty and registration charges are two different fees. Stamp duty is a percentage of the property value; registration charges are usually a flat fee or 1% of the property value (subject to a ceiling). Both must be paid to legally register the property in your name.

Is stamp duty calculated on the total property price including cash?

Stamp duty is legally calculated on the declared/agreement value of the property — which is the amount recorded in the sale deed. This calculator applies stamp duty only on the online (declared) amount as entered. Always consult a legal professional for advice specific to your transaction.

Can I claim tax deduction on stamp duty paid?

Yes. Under Section 80C of the Income Tax Act, stamp duty and registration charges paid for a residential property purchase are eligible for deduction up to ₹1.5 lakh in the year of payment, subject to conditions. This benefit applies only to new properties.

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