Stamp Duty & Registration Charges in Tamil Nadu 2026

Stamp duty is a state government tax levied on property transfer documents. Tamil Nadu has among the highest stamp duty rates in India. Current rates as of 2026:

| Transaction Type | Stamp Duty Rate | |---|---| | Sale deed (residential/commercial) | 7% of property value | | Gift deed to non-family member | 7% | | Gift deed to family member (spouse, children, parents) | 1% (capped at ₹25,000 for certain relations) | | Partition deed (among family members) | 1% on separated share | | Settlement deed | 1% | | Exchange deed | 7% on the higher-value property | | Lease deed (above 1 year) | Varies by lease period; 1% for up to 30 years | | Mortgage deed (simple) | 1% (capped at ₹40,000) | | Mortgage with possession | 4% | | Agreement for sale (without possession) | ₹20 flat | | Power of Attorney (general, non-sale) | ₹100–₹500 |

These rates are set by the Tamil Nadu Stamp Act and are revised periodically. Always verify current rates at tnreginet.gov.in before your registration, as the government may revise guideline values annually.

In addition to stamp duty, Tamil Nadu levies separate registration charges on property transactions:

• **Sale deed**: 4% of property value (or guideline value, whichever is higher) • **Gift deed**: 4% of property value • **Partition deed**: 2% of the value of separated shares • **Settlement deed**: 2% of property value • **Mortgage deed**: 1% of the mortgage amount (capped at ₹40,000 for simple mortgage) • **Lease deed**: 1% of total rent for the lease period

So for a standard property purchase in Tamil Nadu, the combined cost is: **7% (stamp duty) + 4% (registration) = 11% of property value**

This is in addition to the property purchase price. For a ₹75 lakh apartment in Coimbatore: • Stamp duty: ₹5,25,000 • Registration charges: ₹3,00,000 • Total registration cost: ₹8,25,000

This 11% registration cost is a significant outlay — plan your finances accordingly. The registration charges go to the state's consolidated fund and are non-negotiable. Use the Avnester Stamp Duty Calculator at /tools/stamp-duty-calculator for precise calculations based on your property's guideline value.

Stamp duty in Tamil Nadu is calculated on the guideline value (also called ready reckoner value or circle rate), which is the minimum value set by the government for properties in each area. Actual market prices in Coimbatore are typically higher than guideline values.

**How guideline values are set:** • The Inspector General of Registration (IGR), Tamil Nadu, revises guideline values typically every 2–3 years • Values are set area-wise, road-wise, and locality-wise — prime areas like Saravanampatti, RS Puram, and Race Course have higher guideline values • Guideline values are available on tnreginet.gov.in (search by district, SRO, village, and street)

**Rule: Pay on whichever is higher** If you buy a property for ₹60 lakh but the guideline value is ₹45 lakh, you pay stamp duty on ₹60 lakh (actual price). If you buy for ₹40 lakh and the guideline value is ₹45 lakh, you pay on ₹45 lakh. You cannot under-declare.

**Guideline values in Coimbatore (approximate 2025–26):** • Prime residential areas (RS Puram, Race Course, Peelamedu): ₹4,000–₹8,000 per sqft • Mid-segment areas (Saravanampatti, Ganapathy, Singanallur): ₹2,500–₹4,500 per sqft • Emerging zones (Kalapatti, Thudiyalur, Sulur): ₹1,500–₹3,000 per sqft

These are indicative values. Always check the actual guideline value for your specific survey number/street on tnreginet.gov.in before budgeting.

Use this formula to calculate your total out-of-pocket cost for property registration in Tamil Nadu:

**Total Registration Cost = Stamp Duty + Registration Fee + Miscellaneous**

**Step 1: Determine the assessable value** = Higher of (actual sale price OR guideline value)

**Step 2: Calculate stamp duty** = 7% × assessable value

**Step 3: Calculate registration fee** = 4% × assessable value

**Step 4: Add miscellaneous charges** • Advocate drafting fee: ₹3,000–₹15,000 • Patta transfer fee: ₹100–₹500 • DTCP NOC (if required): ₹500–₹2,000 • Scanning/copying charges at SRO: ₹100–₹500 • Bank demand draft charges: ₹100–₹300

**Example — ₹50 lakh apartment in Saravanampatti:** • Assessable value: ₹50,00,000 (assuming market price > guideline) • Stamp duty (7%): ₹3,50,000 • Registration fee (4%): ₹2,00,000 • Miscellaneous: ~₹15,000 • **Total additional cost: ₹5,65,000 (~11.3%)**

Budget at least 12% over the agreed property price to cover all registration costs and incidentals. This cost is not included in your home loan (banks disburse up to 90% of property value, not including registration costs). These must be paid from your own funds.

Tamil Nadu offers certain concessions that can reduce your stamp duty burden:

**1. Women buyers:** Tamil Nadu provides a 50% concession on stamp duty (i.e., 3.5% instead of 7%) for properties registered in a woman's name — applicable for self-occupied residential properties up to a certain value threshold. Check the current eligibility conditions at tnreginet.gov.in as the cap may be revised.

**2. SC/ST buyers:** Members of Scheduled Castes and Scheduled Tribes purchasing land under government schemes may be eligible for full or partial stamp duty exemption. Contact the Adi Dravidar Welfare Department, Coimbatore for details.

**3. Family gift deeds:** Gifting property to spouse, children, parents, siblings, or grandchildren attracts just 1% stamp duty (capped at ₹25,000 for direct family) instead of 7%. This is a significant saving for family wealth transfers.

**4. Partition among family members:** Property partitions among co-owners (family) are taxed at 1% on the value of separated shares, not on total property value.

**5. Settlement deeds:** A settlement deed (between family members, typically for succession planning) attracts 1% stamp duty.

**6. Under government housing schemes:** Properties purchased under Tamil Nadu Housing Board (TNHB) schemes or Pradhan Mantri Awas Yojana (PMAY) may have reduced registration charges. Check scheme-specific terms.

Note: Stamp duty exemptions must be claimed at the time of registration — they cannot be applied retroactively.

Tamil Nadu uses the e-Stamping system for paying stamp duty, which has largely replaced physical stamp paper and franking. Here's how it works:

**What is e-Stamping?** E-Stamping is a computer-generated, tamper-proof stamp certificate issued by Stock Holding Corporation of India Limited (SHCIL) or the state government portal. It eliminates the risk of fake stamp papers.

**How to get e-Stamps in Coimbatore:**

**Option 1: Online payment via TNREGINET** 1. Log in to tnreginet.gov.in 2. Navigate to "E-Stamp" or payment section 3. Enter transaction details and calculate stamp duty 4. Pay via net banking, credit card, or UPI 5. Download the e-Stamp certificate (with a unique certificate number)

**Option 2: Authorized banks and stamp vendors** You can buy e-Stamps from: • Indian Bank, IOB, Canara Bank (authorized Tamil Nadu SHCIl branches in Coimbatore) • Licensed stamp vendors outside SRO offices • TNeSevai/CSC centres

**Option 3: Pay at SRO directly** Many SROs allow payment at the counter on the day of registration. However, arriving with pre-paid e-Stamps speeds up the process significantly.

**Verification:** E-Stamp certificates can be verified at shcilestamp.com by entering the certificate number. Always verify the e-Stamp before accepting it from a vendor or in a property transaction where the seller is paying the stamp duty.

Different property transactions attract different stamp duty rates in Tamil Nadu. Here is a practical summary:

**Sale (residential/commercial plot or flat):** 7% stamp duty + 4% registration = 11% total. This is the standard rate for most property purchases.

**Gift to family:** 1% stamp duty (capped at ₹25,000 for direct family) + 4% registration. Ideal for transferring property to children or spouse.

**Mortgage (home loan documentation):** 1% stamp duty on the loan amount (capped at ₹40,000) + 1% registration (capped at ₹40,000). When you take a home loan, your bank will create a mortgage deed — this is the cost.

**Lease (long-term):** For a lease up to 30 years: 1% of total lease amount. For leases beyond 30 years, treated as sale.

**Partition deed:** 1% on the value of each separated share. For a joint property worth ₹1 crore being split between two siblings, the stamp duty is ₹50,000 on each ₹50 lakh share.

**Settlement deed:** 1% of the property value. Used for succession and family property settlements.

**Exchange deed:** 7% on the higher-valued property being exchanged.

**Power of Attorney (for property sale):** Specific POA for property sale: 1% of property value (treated similarly to sale). General POA: ₹100–₹500 depending on type.

For the most current rates, always check the Tamil Nadu Registration Department's official rate chart at tnreginet.gov.in before executing any document.

Paying stamp duty online in Coimbatore is straightforward through TNREGINET. Here's the complete process:

**Step 1: Prepare your documents** Have the sale deed draft ready (prepared by an advocate), along with the property details (survey number, guideline value).

**Step 2: Log in to TNREGINET** Visit tnreginet.gov.in. Register as a citizen user if you haven't already. Login is free.

**Step 3: Calculate guideline value** Use the Guideline Value Search tool on TNREGINET: enter the SRO, village, survey number, and street to get the official guideline value for your property.

**Step 4: Generate e-Stamp application** Navigate to the E-Stamp section, fill in the transaction details (parties, property description, sale amount), and the system calculates the stamp duty automatically.

**Step 5: Make payment** Pay via: • Net banking (all major banks supported) • Debit/credit card • UPI (available for amounts up to certain limits)

**Step 6: Download e-Stamp certificate** After successful payment, download and print the e-Stamp certificate. Keep multiple copies — original is submitted at the SRO, one copy stays with you.

**Step 7: Book SRO appointment** On TNREGINET, book your appointment at the relevant Coimbatore SRO. Select a convenient date and time slot.

**Day of registration:** Carry the e-Stamp certificate, printed Form 1, all original property documents, ID proofs, and two witnesses. The entire process at the SRO takes 1–3 hours.