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, typically adding 5-8% to the transaction value. Understanding these charges is essential for accurate budgeting, as many first-time buyers underestimate this expense. According to 99acres' buyer guide, these charges vary significantly by state, and several states offer concessions for women buyers and first-time homeowners.

State-Wise Breakdown

Karnataka (Bangalore)

Stamp duty: 5% for properties above ₹45 lakh; 3% for ₹21-45 lakh; 2% for properties up to ₹20 lakh. Registration: 1%. Women buyers get a 1% concession on stamp duty for properties up to ₹45 lakh. Total cost on a ₹1 crore property: approximately ₹6 lakh.

Maharashtra (Mumbai, Pune)

Stamp duty: 5% in Mumbai (6% in rest of Maharashtra). Registration: 1% (capped at ₹30,000 in Mumbai). Women buyers get a 1% stamp duty concession. Total cost on a ₹1 crore property in Mumbai: approximately ₹6 lakh.

Telangana (Hyderabad)

Stamp duty: 4% (uniform rate). Registration: 0.5%. Total cost on a ₹1 crore property: approximately ₹4.5 lakh — one of the most affordable among metro cities.

Tamil Nadu (Chennai)

Stamp duty: 7%. Registration: 4%. Total cost on a ₹1 crore property: approximately ₹11 lakh — among the highest in India.

Delhi NCR

Stamp duty: 4% for women, 6% for men in Delhi. In Noida/Gurgaon (Haryana): 5% for women, 7% for men. Registration: 1%. Total cost varies significantly by gender and location.

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