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What is Stamp Duty?

Stamp Duty is the tax levied by the State government on transactions concerning the sale of property/ property ownership. Under Section 3 of the Indian Stamp Act 1899, an individual is required to pay stamp duty on property that they have acquired. Although, in the case of property exchange both parties are liable to share the stamp duty equally. The Stamp duty on commercial property and residential property is a type of indirect tax which works as an acknowledgement of the sale/purchase of the concerned property between buyers and sellers.
The amount on the stamp duty levied is with respect to the state and locality where the property is located. Stamp duty is an important attestation and the payment of such shall be met with punctuality. Any delay in the payment shall attract a monthly penalty of anywhere between 2% and 200%. You can calculate this payment using the various stamp duty calculator online.
The individual who is set to execute the instrument is required to pen down the initials of their name across the stamp to cancel it. If they fail to execute it properly, the instrument would lose its admissibility in court, and would be considered ‘unstamped.’ As for information, the stamp duty on commercial property will be levied differently from that on residential property.

How are the Stamp Duty and Registration Charges Calculated?

The stamp duty on property generally revolves around 5-7% of the current market value. It is variable to the state in which the property is located. The registration fee is 1% of the market value of the property. There are multiple stamp duty and registration calculators available to make it easy for you. There are several factors which determine the amount of stamp duty which is to be levied on the property transaction such as using the stamp duty calculator India for finding the value:

  • Current valuation or market price of the concerned property
  • Nature of the property; whether it is duplex, single or multi-storey
  • Planned usage of the property; commercial or residential
  • Location of the real estate transacted
  • Characterstics such as age and gender of the can also deflate the stamp duty charges as some states provide concessions to senior citizens and women
  • Using the stamp duty calculator India is the easiest way to compute the amount. These stamp duty and registration calculators are fast. Moreover, the stamp duty calculator online will only ask you for a few pieces of information like the value of the property, state, area, and more for calculation.

Stamp Duty Rates Across Various Metropolitans

City Stamp Duty Rates on Properties
Delhi Male: 6% Female: 4%
Banglore Properties valued upto Rs 45 Lakhs: 3% Properties valued above Rs 45 Lakhs: 5%
Mumbai Male: 5% Female: 4%
Chennai 7%
Pune Male: 6% Female: 5%
Hyderabad 4 %
Kolkata Property valued at or less than 25 Lakhs: 4% Property valued at or more than 40 Lakhs:5%
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Frequently asked questions

Q1. Who is supposed to pay the Stamp Duty Charge?

The stamp duty charge is payable by the buyer of the property.

Q2. How can I know the stamp duty charges on my property?

You can use our free online stamp duty calculator. Simply enter the required details and get the estimations within minutes.

Q3. Is there any tax deduction available on stamp duty payments?

Yes, stamp duty payment offers a tax exemption under Section 80C of the Income Tax Act. However, the maximum exemption, including other expenses, cannot exceed Rs 1.5 lakhs, as per the law. 

Q4. Is stamp duty a refundable charge?

No, stamp duty is not generally refunded. It is supposed to be paid at once in full.

Q5. Do home loans cover stamp duty and registration charges?

No, home loans do not cover these charges. These charges are to be separately borne by the buyer,

Q6. What is the penalty for not paying the stamp duty charges timely?

The penalty for untimely payment of stamp duty starts at 2% per month and can go as high as 200% of the total payable amount. 

Stamp Duty Calculator

Stamp Duty is a tax imposed by the government on the transfer of property. This tax is payable under Section 3 of the Indian Stamp Act 1899 by the buyer of a property. Stamp duty contributes to providing legality to the documents that formally record a property transaction. Stamp Duty is one of the most important additional charges a buyer pays while buying, a property, and plays multiple roles. It acts as a source of revenue for governments, plays a regulatory role in the real estate market, and formally records the transaction.  The stamp duty charges depend primarily on two factors. First, it is based on the price of the property. Secondly, they are determined by state governments. Therefore, the charge might differ from one state to another. Square Yards offers an easy-to-use stamp duty calculator that helps ascertain the stamp duty charge on your property within a few minutes. 

What is a Stamp Duty Calculator?

A stamp duty calculator is a digital tool that aims to simplify stamp duty calculations. Our user-friendly calculator offers instant stamp duty estimations within minutes.  Factors like your state and gender impact the overall stamp duty rate. Our online stamp duty calculator considers all these factors while calculating the final payable amount. 

How are Stamp Duty and Registration Charges Calculated?

Stamp Duty and Registration Charges are two different charges payable on purchasing a property. Both are calculated at different rates. However, both play the crucial role of legally ensuring the transaction of a property. Both these charges are set by state governments. While stamp duty generally ranges between 5-7% of the property value, while registration charge is much lower, generally ranging between 1-2%. These charges are calculated on the basis of the following factors:
  1. Market Value or Agreement Value, whichever is higher
  2. Type of Property (single-storey, multi-storey, duplex)
  3. Usage of the Property (residential, commercial, agricultural)
  4. Location
  5. Other bases include gender, applicable charges, etc. 

How to Pay Stamp Duty?

Stamp Duty payment must be made before, during or one working day after the execution of the legal document. This payment is generally made by the buyer and must be made in full. However, in case of an exchange of goods, both parties (the buyer and the seller) are liable to pay the stamp duty charges. The stamp duty document is legal and binding. A failure to make the payment in a timely manner can invite a penalty starting at 2% a month and going up to 200% of the total payable amount.  Buyers can use our  stamp duty online calculator before finalising their deal in order to gain an advance estimate of the upcoming stamp duty charges. 

Documents Required While Paying Stamp Duty and Registration Charges

While document requirements may vary, the following documents are generally prescribed while paying stamp duty and registration charges:

Tax Benefits on Stamp Duty and Registration Charges

Payment of stamp duty and registration charges offers tax deductions under Section 80C of the Income Tax Act. This section also includes other expenses, and the total exemption for all charges is capped at Rs. 1.5 lakhs. Any claim or exemption on stamp duty and registration payment must fall within this maximum limit.  Further, the claim must be made in the same financial year as the charges are paid. Individuals, joint owners, or HUFs can claim this deduction in their income tax returns. Tax exemptions on these charges are available for residential and commercial properties.  It is also important to note that if the property for which the deduction has been claimed is sold within five years from that year, the benefits claimed will be reversed. It is,thus, advised that buyers keep the receipts of payments and other documents handy while applying for the tax exemption. 

Stamp Duty Charges Across Various Metropolitans

Take a look at the current stamp duty and registration charges across Indian metropolitans.
City  Stamp Duty Charge Registration Charge
Mumbai 5%-6% 1%
Delhi 4%-6% 1%
Kolkata  6%-7% 1%
Chennai 7% 4%
Bengaluru 2%-5% 1%
Hyderabad  5% 0.50%
Ahmedabad 4.90% 1% (No charges for females)
Pune 5%-6% 1%

How to Use The Square Yards Stamp Duty Calculator?

Anyone can use our free home stamp duty calculator. Follow these simple steps and get instant results: Step 1: Visit www[dot]squareyards[dot]com/stamp-duty-calculator Step 2: Enter details like your state, gender and property value. Step 3: Click on calculate stamp duty. Step 4: The calculator will show you the payable amount along with the applicate rate of stamp duty on your property.