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About this tool
Estimate stamp duty, registration fees, and the full one-time cost of buying property across 23 Indian states and UTs.
The Property Stamp Duty & Registration Estimator works out the full one-time cash cost of buying property in 23 Indian states and union territories, charging duty on the higher of your agreement value or the circle rate exactly as a sub-registrar does. It applies each state's own structure — flat rates, Karnataka and Goa's value slabs, West Bengal's above-₹1-crore step-up, cesses and surcharges levied on the duty rather than the property, and registration fees with caps such as Maharashtra's ₹30,000 — then adds brokerage and legal fees to show the cash you need beyond the loan. It is built for buyers budgeting a purchase and for anyone comparing what the same property would cost to register in a different state.
Open Property Stamp Duty & Registration Estimator on AltFTool — it loads instantly in your browser.
Pick your State / UT, enter the Agreement value and the Circle / ready-reckoner value, then set Ownership / buyer and Property type.
The estimator charges duty on whichever of the two values is higher, adds the state's cess, surcharge and capped registration fee, plus Legal / documentation and your Brokerage percentage.
Read the one-time statutory cost and where your state ranks of 23, then use Copy estimate or Download to save stamp-duty-estimate-<state>.txt.
It takes the higher of agreement value and circle rate automatically, which is where most self-made estimates go wrong and the sub-registrar's demand comes in above budget.
Karnataka's cess and surcharge and Rajasthan's 20% labour cess are charged on the stamp duty itself, and registration caps are applied, so the effective rate reflects what you actually pay.
A sorted comparison shows the same purchase priced in every state in the list, so you can see where your state sits and the size of the spread.
On whichever is higher — that is the rule this estimator applies. If you negotiate a price below the government circle rate (also called guidance value or ready reckoner rate), the sub-registrar still charges duty on the circle rate, so a bargain purchase does not reduce the duty bill.
It varies from nothing to two percentage points depending on the state, and several concessions are capped. Delhi charges 6% for men and 4% for women, Punjab and Haryana also run a 2% gap, Karnataka, Kerala, Tamil Nadu and Telangana give no concession at all, and Uttar Pradesh's 1% rebate applies only to the first ₹10 lakh, capping the saving at ₹10,000 regardless of price. Registering in a woman's name makes her the legal owner, so treat this as a property decision and not only a tax one.
No — banks fund the property value only, and stamp duty, registration, brokerage and legal fees are explicitly excluded from the sanctioned amount. That is why this estimator separates statutory charges from the total cash outlay: on a ₹50 lakh purchase the extras commonly run to several lakh rupees that must come from your own funds.
No, GST is excluded because it applies only to under-construction property, at 5% (1% for affordable housing) on the construction value, and not to completed or resale homes. Rates here are compiled for FY 2025-26 and states revise them in their annual budgets, so this is an informational estimate — confirm the final figure with your sub-registrar office or conveyancing lawyer before you transact.
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