Stamp duty is one of the largest costs in a property transaction — it can add 5-8% to your purchase price. Understanding it before you buy helps you budget accurately.
What is Stamp Duty?
Stamp duty is a state government tax on property transactions. It must be paid before or at the time of property registration. The registered sale deed is only legally valid once stamp duty is paid.
Stamp Duty Rates by State (2026)
- Maharashtra: 6% (5% stamp duty + 1% metro cess) — women buyers get 1% rebate
- Delhi: 6% for men, 4% for women
- Uttar Pradesh: 7% for men, 6% for women
- Gujarat: 4.9% for residential; 4.9% for commercial
- Karnataka: 5.6% (5% stamp + 0.6% registration)
- Haryana: 7% for men, 5% for women
Registration Charges
In addition to stamp duty, registration charges of 1% (subject to state caps) are payable at the Sub-Registrar's office.
Saving on Stamp Duty Legally
Register property in a woman's name — most states offer a 1-2% discount. Some states offer temporary stamp duty reductions during housing festivals — watch for these announcements.
Our advisory team can help you calculate the exact total cost of purchase including all duties. Contact us at 9971116724.
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