Estimate the stamp duty, cess and registration fee on a property purchase from your state's rate and any flat or capped fees.
How to use it. Enter the value on which duty is charged: in almost every state this is the higher of the price in your agreement and the government's minimum value for that property. That minimum is called the ready reckoner rate in Maharashtra, the circle rate in Delhi and the guidance value in Karnataka and Tamil Nadu. Enter your state's stamp duty rate with any cess, surcharge or metro cess added in. If your state charges registration as a percentage, add it to the duty rate. If registration is capped or fixed, as in Maharashtra where it is 1% up to ₹30,000, enter the flat amount in the second box.
Formula. Charges = value × rate ÷ 100 + flat charges. The last line deducts all charges and other costs from the value. It is only a cross-check and is not what you pay the seller.
Worked example (illustrative). An ₹80 lakh flat in Mumbai bought by a man: stamp duty at 6% including 1% metro cess = ₹4,80,000. Registration is capped at ₹30,000. Together that is ₹5,10,000 payable to the state, plus about ₹15,000 for the advocate and drafting. A woman buying alone would pay 5% duty, so ₹4,00,000 + ₹30,000 = ₹4,30,000.
Limits. Some states, such as Karnataka, charge duty in slabs, with cess and surcharge calculated on the duty. Others charge different rates in municipal, rural or special areas. Concessions for women, first-time buyers or particular property types change often. Confirm the rate for your property on your state's registration portal or with the sub-registrar before you buy e-stamp paper. See the state stamp duty and registration guide.
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