Stamp Duty Calculator

Stamp duty is a state government tax paid when registering a property. Rates vary by state (3.5% to 8%), owner's gender, property type, and location. It's calculated on the higher of agreement value or circle rate (government ready reckoner rate). Stamp duty + registration together cost 5-10% of property value.

Yes, several states offer lower stamp duty for women. Delhi: 4% for women vs 6% for men (saves 2%). Haryana: 5% vs 7%. Rajasthan: 5% vs 6%. Uttarakhand: 3.75% vs 5%. Maharashtra offers 1% concession for women buyers in Mumbai/Pune. Registering in wife's name can save ₹50,000-₹5,00,000 depending on property value.

Goa has the lowest stamp duty at 3.5% for all genders. Next lowest: Gujarat at 4.9%, Jharkhand at 4%, and Uttarakhand at 3.75% for women. Kerala has the highest at 8% + 2% registration. Maharashtra, UP, and Tamil Nadu are among the most expensive at 6-7%.

No, stamp duty and registration charges are NOT included in the home loan amount. Banks finance up to 80% of property value, but stamp duty (5-8%) and registration (1-2%) must be paid from your own funds. On a ₹50L property, you need ₹3-5L extra for these charges. Some banks offer top-up loans for stamp duty, but at higher interest rates.

Yes, stamp duty and registration charges are eligible for tax deduction under Section 80C, up to ₹1.5 lakh in the financial year of purchase. This is part of the overall ₹1.5L limit shared with PF, ELSS, PPF, etc. The deduction is available only in the year of purchase, not spread over years.