State-Wise Stamp Duty and Registration Charges: 2026 Guide for Home Buyers

Why Stamp Duty Matters

Stamp duty and registration charges represent a significant additional cost when purchasing property in India, on top of the agreed price. Understanding these charges is essential for accurate budgeting, as many first-time buyers underestimate this expense. These charges vary significantly by state, and several states charge women buyers less — but not all states do, so check the rate for the state you are buying in.

State-Wise Breakdown

Karnataka

Stamp duty: 5% for every buyer (no gender concession on stamp duty), plus Additional duty 0.5% and Local-body surcharge 0.1%. Registration: 2%. Total on a ₹1 crore property for a man buying alone: ₹7,60,000. These are a municipal corporation's rates.

Maharashtra

Stamp duty: 5%, 4% for women, plus Municipal corporation surcharge 1%. Registration: 1%, capped at ₹30,000. Total on a ₹1 crore property for a man buying alone: ₹6,30,000. These are a municipal corporation's rates; stamp duty is 1% higher in Pune, Thane, Nagpur, Pimpri-Chinchwad, Kalyan-Dombivli, Bhiwandi-Nizampur, Mira-Bhayandar, Panvel (Kharghar, Kamothe, Kalamboli, New Panvel, Taloja) and Vasai-Virar.

Telangana

Stamp duty: 5.5% for every buyer (no gender concession on stamp duty), plus Transfer Duty 1.5%. Registration: 0.5%. Total on a ₹1 crore property for a man buying alone: ₹7,50,000.

Tamil Nadu

Stamp duty: 7% for every buyer (no gender concession on stamp duty). Registration: 2%. Total on a ₹1 crore property for a man buying alone: ₹9,00,000.

Delhi

Stamp duty: 6%, 4% for women. Registration: 1% + ₹100. Total on a ₹1 crore property for a man buying alone: ₹7,00,100.

Haryana

Stamp duty: 7%, 5% for women. Registration: ₹50,200 at ₹1 crore (a fee by value, incl. ₹200). Total on a ₹1 crore property for a man buying alone: ₹7,50,200. These are a municipal corporation's rates.

Uttar Pradesh

Stamp duty: 7%, 6% for women. Registration: 1%. Total on a ₹1 crore property for a man buying alone: ₹8,00,000.

How to Save on Stamp Duty

• Register property in a woman family member's name where concessions apply
• Check for state-specific limited-period reductions (common post-pandemic)
• Use the guidance/circle rate wisely — pay fair market value to avoid reassessment
• Factor stamp duty into your home loan — many banks include it in the loan amount