Free calculator
Stamp duty calculator for Maharashtra, Karnataka, Gujarat, Uttar Pradesh and West Bengal
Stamp duty on a home is a percentage of the higher of the agreement price and the government’s market value, plus a registration fee. On an ₹85 lakh flat in Mumbai that is ₹5,10,000 in stamp duty (6%) and ₹30,000 for registration; a woman buying on her own pays ₹4,25,000.
Pick the state, area and buyer to see the duty, any metro cess or surcharge, the concession for women and the registration fee.
- Stamp duty (5%)
- ₹4,25,000
- Metro cess (1%)
- ₹85,000
- Registration fee
- ₹30,000
- Total
- ₹5,40,000
A woman buying on her own would pay ₹4,55,000 in all, saving ₹85,000.
How to use the stamp duty and registration calculator
- Choose the state where the property will be registered.
- Choose where the property is; the options follow that state’s rate areas.
- Enter the agreement value, and the market (ready reckoner) value if it is higher.
- Choose who is buying, so any concession for women buyers is applied.
- Read the stamp duty, cess and registration fee, and confirm them on the state’s official portal before you pay.
Stamp duty and registration rates by state in 2026
Rates on the higher of the agreement value and the market value, for a residential purchase, as checked on 29 October 2026.
| State and area | Stamp duty | Women | Registration |
|---|---|---|---|
| Uttar Pradesh | 7% | 1% off up to ₹1 crore | 1%, no cap |
| Uttar Pradesh | 5% | 1% off up to ₹1 crore | 1%, no cap |
| West Bengal | 6% up to ₹1 crore, 7% above | None | 1%, no cap |
| West Bengal | 5% up to ₹1 crore, 6% above | None | 1%, no cap |
| Maharashtra | 6% | 1% off | 1%, up to ₹30,000 |
| Maharashtra | 7% | 1% off | 1%, up to ₹30,000 |
| Maharashtra | 6% | 1% off | 1%, up to ₹30,000 |
| Maharashtra | 6% | 1% off | 1%, up to ₹30,000 |
| Maharashtra | 6% | 1% off | 1%, up to ₹30,000 |
| Maharashtra | 5% | 1% off | 1%, up to ₹30,000 |
| Karnataka | 5.6% | None | 2%, no cap |
| Karnataka | 5.65% | None | 2%, no cap |
| Gujarat | 4.9% | No registration fee | 1%, no cap |
Worked example: an ₹85 lakh flat in each state
The same flat, bought in each state’s main city, with the market value at or below the price.
| State | Stamp duty | Registration | Total | Woman buying alone |
|---|---|---|---|---|
| Uttar Pradesh | ₹5,95,000 | ₹85,000 | ₹6,80,000 | ₹5,95,000 |
| West Bengal | ₹5,10,000 | ₹85,000 | ₹5,95,310 | ₹5,95,310 |
| Maharashtra | ₹5,10,000 | ₹30,000 | ₹5,40,000 | ₹4,55,000 |
| Karnataka | ₹4,76,000 | ₹1,70,000 | ₹6,46,000 | ₹6,46,000 |
| Gujarat | ₹4,16,500 | ₹85,000 | ₹5,01,500 | ₹4,16,500 |
In Mumbai: 5% basic duty of ₹4,25,000 plus 1% metro cess of ₹85,000 makes ₹5,10,000. The registration fee is ₹100 plus ₹10 for every ₹1,000 above ₹10,000, which passes the ₹30,000 cap, so it is ₹30,000.
How stamp duty is calculated
Stamp duty = rate × the higher of the agreement value and the market value
The rate is made of the basic duty under the state’s Stamp Act plus any surcharge or cess a local-body law adds. A concession for women, where there is one, cuts the rate. The registration fee is set separately under the Registration Act and may be capped.
Uttar Pradesh
- 1% off for a woman buyer when the value is ₹1 crore or less (notification of 29 July 2025). Above ₹1 crore there is no concession at all.
- Registration: 1% of the value, at least ₹100, with no cap (IGRS UP calculator).
- The women’s concession stops completely above ₹1 crore: a ₹1 crore home pays 6% in a city, a ₹1.01 crore home pays the full 7%.
- Duty is on the circle-rate value or the price, whichever is higher.
- Rounding: The IGRS calculator rounds duty and fee up to the next rupee, and so do we. Older department rules round the value up to the next ₹1,000 and amounts to the next ₹10, which can add a few hundred rupees.
- A woman buying jointly with a man: no women’s concession is applied. Confirm with the sub-registrar if it applies to you.
- Rural villages: many pay 5% against 7% in urban areas, and the rate is set village by village. Check the rate for yours.
West Bengal
- Registration: 1% of the market value, at least ₹50 (Art. A(1), Table of Fees, Registration Act 1908).
- Above ₹1 crore the higher rate applies to the whole value, not just the part above ₹1 crore.
- West Bengal has no concession for women buyers.
- The 2% stamp duty rebate and 10% circle-rate cut ended on 1 July 2024.
- Small per-page fees and ₹9 a page above 17 pages are extra.
- Rounding: We found no official rounding rule for West Bengal; we round duty and fee up to the next rupee.
- Small office fees charged per page of the deed are not included.
Maharashtra
- 1% off the basic stamp duty for a home bought only by women (order of 31 March 2021). Surcharge and metro cess are unchanged.
- Registration: ₹100, plus ₹10 for every ₹1,000 or part above ₹10,000, up to ₹30,000 (Art. I(4)(a), Table of Fees under s.78, Registration Act 1908).
- An agreement for sale that gives possession counts as a conveyance, so the full duty is paid when it is registered. The later sale deed pays a nominal ₹100 to ₹500.
- Document handling charges of ₹40 a page are collected at registration and are not included.
- The concession needs every buyer to be a woman; a joint purchase with a man pays the full rate.
- Rounding: The Stamp Act rounds duty to the nearest 10 paise (s.70(1)); the old rule rounding to ₹100 was deleted in 2016. We round the total up to the next rupee, as e-challans are paid in whole rupees. The registration fee steps up for every ₹1,000 or part.
- Metro cess: applied in Mumbai, Pune, Pimpri-Chinchwad, Thane, Mira-Bhayandar, the Mumbai region and Nagpur. For another municipal corporation, confirm with the sub-registrar.
- Rural areas in the Mumbai region: the 1% Zilla Parishad surcharge is added to the 5% duty.
Karnataka
- Registration: ₹20 for every ₹1,000 or part, about 2%, with no cap (notification RD/46/MNMU/2025, from 31 August 2025).
- Karnataka has no stamp duty or registration concession for women buyers.
- The registration fee doubled from 1% to 2% on 31 August 2025, with no upper limit.
- Duty is on the guidance value or the price, whichever is higher.
- Rounding: The Stamp Act computes duty in multiples of 5 paise (s.3-A); we round the total up to the next rupee. The registration fee is ₹20 for every ₹1,000 or part, so the value is rounded up to the next ₹1,000.
- New flats: the standard 5% duty is used. A first sale of a new flat under ₹45 lakh may qualify for a lower rate (2% up to ₹20 lakh, 3% up to ₹45 lakh), so confirm with the sub-registrar.
Gujarat
- Registration: 1% of the value with no cap (GARVI registration fee help file); waived for women buyers.
- Women buying in their own names pay no registration fee. Stamp duty is the same 4.9% for everyone; the "3.9% for women" quoted on some sites is not in the Stamp Act.
- Duty is on the Jantri (market) value or the price, whichever is higher.
- A ₹100 e-registration processing fee was reported from February 2026; we have not seen the notification, so it is not included.
- Rounding: The official GARVI calculator rounds 4.9% of the value up to the next rupee, and so do we. Read literally, the Act charges per ₹100 or part of the value, which can add up to ₹5.
- Women buyers: the registration fee waiver is applied only when every buyer is a woman. For a joint purchase with a man, confirm with the sub-registrar.
Questions people ask
How much is stamp duty in Mumbai?
For a flat in Mumbai, stamp duty is 6% of the higher of the agreement value and the ready-reckoner value: 5% basic duty plus 1% metro cess. Women buying on their own pay 5%. Registration costs 1%, capped at ₹30,000.
What is stamp duty in Pune, Thane and Nagpur?
In municipal corporations outside Mumbai that pay the metro cess, such as Pune, Pimpri-Chinchwad, Thane and Nagpur, it is 7%: 5% duty, 1% local body surcharge and 1% metro cess. Women-only buyers pay 6%.
Do women pay less stamp duty?
In Maharashtra, women buying on their own get 1% off the basic duty. In Uttar Pradesh, a woman buyer gets 1% off when the value is ₹1 crore or less. In Gujarat, women pay no registration fee but the same 4.9% duty. Karnataka and West Bengal have no concession for women.
Is stamp duty charged on the agreement value or the circle rate?
On whichever is higher: the price in the agreement or the government’s market value for the property (ready-reckoner rate in Maharashtra, guidance value in Karnataka, Jantri in Gujarat, circle rate in UP and West Bengal).
What is the registration fee in Karnataka?
Since 31 August 2025 Karnataka charges ₹20 for every ₹1,000 or part of the value, about 2%, with no cap. Stamp duty is 5.6% in cities (5% duty, 10% additional duty on it and a 2% surcharge on it).
How much is stamp duty in Kolkata?
In Kolkata and other municipal areas of West Bengal it is 6% when the market value is up to ₹1 crore and 7% of the whole value above ₹1 crore. Registration is 1% of the market value, plus a ₹300 user charge and a ₹10 court fee.
Sources
Rates and rules last checked against the official sources below.
- Uttar Pradesh: IGRS UP stamp and fee calculator Rates by locality, the women’s concession and the 1% fee as charged today.
- Uttar Pradesh: UP notification 13/2025/914/94-2-2025-700(76)/2024, 29 July 2025 Women’s concession limit raised from ₹10 lakh to ₹1 crore.
- Uttar Pradesh: IGRS UP: major stamp exemptions 1% concession for women on property up to ₹1 crore.
- Uttar Pradesh: Indian Stamp Act as applied to UP (IGRS)
- West Bengal: Indian Stamp Act as applied to West Bengal (Directorate of Registration and Stamp Revenue) Art. 23: 6% up to ₹1 crore and 7% above in urban areas; 5% and 6% elsewhere.
- West Bengal: Ready reckoner: stamp duty and registration fees (updated 20 May 2025) Rates by area, registration fee of 1% (minimum ₹50) and the ₹300 user charge.
- West Bengal: Circular 997-F.T., 26 June 2024 Stamp duty remission and circle-rate cut discontinued from 1 July 2024.
- West Bengal: Services offered (Directorate of Registration and Stamp Revenue) User charge and ₹10 court fee.
- Maharashtra: Maharashtra Stamp Act, Schedule I (IGR master copy, modified to July 2026) Art. 25(b): 5% in corporations, councils and the Mumbai region; 4% in gram panchayats.
- Maharashtra: Revenue and Forests Department order Mudrank-2021/UOR-12/CR-107/M-1, 31 March 2021 Women’s 1% concession from 1 April 2021.
- Maharashtra: Amending order of 26 May 2023 Removed the bar on reselling to a man within 15 years.
- Maharashtra: Maharashtra Municipal Corporations (Second Amendment) Act 2015 Section 149B, the 1% metro cess outside Mumbai.
- Maharashtra: Mumbai Municipal Corporation (Second Amendment) Act 2018 Section 144F, the 1% metro cess in Mumbai, levied from 8 February 2019.
- Maharashtra: Urban Development Department GR MCO-2020/CR-119/UD-14, 31 August 2020 The 1% surcharges under s.147A and s.149A (temporary cut, since expired).
- Maharashtra: Rural Development Department GR ZPA-2020/CR-44/Panra-1, 28 August 2020 The 1% Zilla Parishad surcharge.
- Maharashtra: Registration fee table under s.78, Registration Act 1908 (IGR Maharashtra) Art. I(4)(a): up to ₹30,000.
- Karnataka: IGR Karnataka: stamp duty and registration fees Conveyance, including flats: 5% plus surcharge plus additional duty; fee 2%.
- Karnataka: Karnataka Stamp Act 1957, Schedule (IGR compilation, 2022) Art. 20(1): 5% of the value.
- Karnataka: Karnataka Stamp Act 1957 (IGR copy) s.3-B: additional duty of 10% on the duty; s.3-A: multiples of 5 paise.
- Karnataka: Notification RD/46/MNMU/2025, 29 August 2025 (Karnataka Gazette) Registration fee ₹20 per ₹1,000, from 31 August 2025.
- Karnataka: IGR press note, 29 August 2025 Registration fee revised from 1% to 2%.
- Gujarat: Gujarat Stamp Act 1958, as modified to 28 February 2026 (GARVI) Art. 20(a): ₹3.50 per ₹100; s.3A: additional 40% of the duty.
- Gujarat: GARVI: help for the stamp duty calculator 4.9% of the consideration or market value, whichever is higher.
- Gujarat: GARVI: help for registration fee calculation Conveyance: 1% of the consideration.
- Gujarat: LBSNAA study on Gujarat’s concession to women property buyers (2013) Registration fee waived for deeds in women’s names since 2004.