Stamp Duty & Registration Calculator
Indicative only. Verify the current notification and circle rate with the sub-registrar before payment.
Current rates at a glance
| State / area | Male | Female | Joint | Registration fee |
|---|---|---|---|---|
| Haryana — within municipal limits | 7% | 5% | 6% | Slab-based, capped at ₹50,000 |
| Haryana — outside municipal limits | 5% | 3% | 4% | Slab-based, capped at ₹50,000 |
| Uttar Pradesh (Noida / Greater Noida) | 7% | 7% less ₹10,000 rebate | 7% less ₹10,000 rebate | 1% of property value |
| Delhi (NDMC / MCD areas) | 6% | 4% | 5% | 1% of property value |
What stamp duty actually is
Stamp duty is a state tax on the instrument that transfers property to you — the sale deed or conveyance deed. Paying it is what makes your ownership legally admissible as evidence; an unstamped or under-stamped deed cannot be relied upon in court and attracts penalty when it surfaces. It is levied by the state, which is why an identical ₹2 Cr flat costs a different amount to register in Gurgaon, Noida and Delhi. Registration fee is separate: it is the charge for recording the deed in the sub-registrar's books, capped in Haryana and charged at a flat 1% in UP and Delhi.
Agreement value or circle rate — which applies?
Always the higher of the two. Every state publishes circle rates (collector rates in Haryana, DM circle rates in UP) that set a minimum valuation per square metre by locality and property type. If your negotiated price is below the circle-rate valuation — common in soft resale markets — duty is charged on the circle rate anyway. Deliberately declaring a lower consideration to save duty triggers a deficit-stamp notice under Section 47-A, plus penalty and interest, and creates an income-tax problem for both parties under Sections 43CA and 56(2)(x).
Concessions for women buyers
Haryana's 2-percentage-point discount for women is substantial: on a ₹3 Cr Gurgaon apartment, registering in a woman's sole name saves ₹6 lakh, and joint male-female ownership still saves ₹3 lakh versus sole male ownership. UP's concession is nominal by comparison — a flat ₹10,000 rebate applying only to the first ₹10 lakh of consideration — so the choice of owner in Noida is driven by tax and succession planning rather than duty savings. Both states apply the concession only where the woman is an actual owner on the deed, not merely a co-applicant on the loan.
What else to budget at registration
Beyond duty and registration fee, allow for: the deed drafting and lawyer's fee (₹15,000–40,000 for a standard apartment conveyance), MODT (Memorandum of Deposit of Title Deed) stamping if you are taking a home loan — typically 0.1–0.5% of the loan amount depending on state, e-stamp facilitation charges, and in under-construction purchases the GST already paid to the developer at 5% (1% for affordable housing) which is not creditable against stamp duty. Altogether, plan for 8–11% of the property value in one-time transaction costs, none of which your bank will finance.
Timing and tax relief
For under-construction flats, stamp duty falls due at conveyance, which usually coincides with possession — often three to four years after booking, by which time circle rates may have risen. For ready-to-move purchases it is immediate. In the financial year you pay it, the full stamp duty and registration amount is deductible under Section 80C, subject to the overall ₹1.5 lakh ceiling and only for a self-occupied residential property. Pair this calculator with our EMI calculator and affordability calculator to see the complete cash requirement before you commit.
Good to know
Stamp Duty Questions, Answered
In Haryana, stamp duty in municipal areas is 7% for male buyers, 5% for female buyers and 6% for joint (male + female) ownership. Registration fee is capped (up to ₹50,000 on higher-value properties). Rates outside municipal limits are 2% lower.
Uttar Pradesh charges 7% stamp duty. Women buyers receive a ₹10,000 concession (only on the portion of consideration up to ₹10 lakh). Registration fee is 1% of the property value.
On whichever is higher — the declared consideration or the government circle-rate valuation of the property. Paying duty on an undervalued agreement invites a deficit-stamp notice plus penalty.
Yes. Stamp duty and registration charges qualify for deduction under Section 80C of the Income Tax Act (within the overall ₹1.5 lakh limit) in the year of payment, for a self-occupied residential property.
At registration of the sale deed / conveyance deed, which for under-construction flats usually happens at or near possession. Budget for it separately: it is never included in the developer's quoted price.
Need the exact circle rate for your project?
Tell us the project and unit — we will send the current collector rate and the full registration cost sheet.