How to Calculate Stamp Duty Online in 2026 | 2-Minute Complete Guide
NEW DELHI, June 8: Most buyers focus only on the property price. Then comes the shock at registration. Here is your 2-minute guide to calculating stamp duty online.
The Simple Formula
Stamp Duty = (Property Value × Stamp Duty Rate) + Registration Charges
Important Rule: Property value is NOT your agreement price. It is the higher of (Agreement Value OR Government Circle Rate).
Example: You buy for ₹70 lakh, but circle rate is ₹75 lakh. You pay stamp duty on ₹75 lakh.
How to Calculate Online in 3 Steps
Step 1: Find your state's stamp duty rate (see table below)
Step 2: Check circle rate for your area on state registration website
Step 3: Use formula or visit any online stamp duty calculator (Bajaj Finserv, BankBazaar)
State-Wise Stamp Duty Rates 2026
| State | Male | Female | Registration |
|---|---|---|---|
| Delhi | 6% | 4% | 1% |
| Uttar Pradesh | 7% | 6% | 1% |
| Haryana (Urban) | 7% | 5% | 1% |
| Maharashtra | 6% | 5% | 1% (capped ₹30k) |
| Karnataka | 2-5% | 2-5% | 1% |
| Tamil Nadu | 7% | 7% | 4% |
| Gujarat | 4.9% | 3.9% | 1% |
| Rajasthan | 6% | 5% | 1% |
| Telangana | 5% | 5% | 0.5% |
| Kerala | 8% | 8% | 2% |
Example Calculation
| Component | Amount |
|---|---|
| Property Value (as per circle rate) | ₹50,00,000 |
| Stamp Duty @ 6% (Delhi - Male) | ₹3,00,000 |
| Registration @ 1% | ₹50,000 |
| Total Charges | ₹3,50,000 |
Women Get Lower Rates
Registering in a woman's name saves you money:
| City | Men Pay | Women Pay | Saving on ₹1 Cr |
|---|---|---|---|
| Delhi | 6% | 4% | ₹2,00,000 |
| UP | 7% | 6% | ₹1,00,000 |
| Haryana | 7% | 5% | ₹2,00,000 |
| Maharashtra | 6% | 5% | ₹1,00,000 |
Tax Benefit You Cannot Ignore
Under Section 80C, you can claim deduction up to ₹1.5 lakh on stamp duty and registration charges paid.
Conditions: Available only under the old tax regime. Claim in the year of purchase.
The Bottom Line
Stamp duty is not optional. Factor it into your budget before booking.
Quick checklist:
-
Check your state's stamp duty rate
-
Verify circle rate for your area
-
Register in woman's name if possible
-
Claim tax deduction under Section 80C