Stamp Duty Calculator

Estimate stamp duty and registration cost on a property.

Overview

Estimates state government stamp duty, legal registration fees, and municipal surcharges required during property transactions.

Formula & Calculation Method

Stamp Duty = Higher of (Agreement Value, Ready Reckoner / Circle Rate) × State Stamp Duty %

Stamp duty is an indirect property tax levied by state governments. Rates vary by state, gender of buyer, and municipal limits.

Worked Example: ₹80 Lakh Property Purchase in Maharashtra (Male Buyer)

Inputs: Property Value = ₹80,00,000 | State = Maharashtra | Buyer Gender = Male

  • Stamp Duty Rate = 5% base + 1% Metro Cess = 6%
  • Stamp Duty payable = ₹80,00,000 × 0.06 = ₹4,80,000
  • Registration Fee = 1% (capped at statutory ₹30,000 in Maharashtra) = ₹30,000

Summary: Property Cost = ₹80,00,000 | Stamp Duty = ₹4,80,000 | Registration = ₹30,000 | Total Government Fees = ₹5,10,000

Common Use Cases

  • Home Buying Budgeting: Calculate total legal registration fees before finalizing property sale agreements.
  • Gender Concession Planning: Assess tax savings by registering property jointly or solely in the name of a female family member.
  • Circle Rate Compliance: Ensure agreement consideration value does not fall below the government ready reckoner benchmark.

Frequently Asked Questions

Can stamp duty be included in home loan amounts?

Generally no. RBI guidelines specify that banks cannot include stamp duty and registration charges in the sanctioned loan-to-value (LTV) calculation.

Can I claim income tax deduction on stamp duty?

Yes, stamp duty and registration fees paid can be claimed as a deduction under Section 80C up to ₹1.5 Lakhs in the year of purchase.

What is Circle Rate / Ready Reckoner Rate?

The minimum baseline price per square foot set by the state government below which a property cannot be legally registered.

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