Stamp Duty CalculatorIndia 2026 — State-wise Rates

Stamp duty is a state government tax paid when you purchase or transfer property. It is calculated as a percentage of the property market value or circle rate, whichever is higher. It is paid to register the sale deed with the sub-registrar office.

In Uttar Pradesh, stamp duty is 7% for male buyers and 6% for female buyers. Registration charges are 1% additional. On an ₹80 lakh property, a male buyer pays ₹5.6L stamp duty + ₹80K registration = ₹6.4L total.

Several state governments offer a 1–2% discount on stamp duty for women buyers to encourage property ownership among women and reduce overall transaction costs. This discount applies when property is registered in a woman's name.

No. Banks do not include stamp duty and registration charges in the home loan amount. You must pay these from your own funds at the time of property registration. Budget 6–10% extra over and above the property price.

Yes. Under Section 80C of the Income Tax Act, stamp duty and registration charges for a residential property can be claimed as deduction up to ₹1.5 lakh in the year of payment. Available only for self-occupied residential properties.