Stamp Duty & Registration Charges in Tamil Nadu 2026
Everything you need to know about stamp duty and registration charges in Tamil Nadu as of 2026 — current rates for different transaction types, guideline values, exemptions, e-stamping process, and how to pay online in Coimbatore.
On this page
Stamp duty in Tamil Nadu is 7% of the property value and registration charges are 4% — a combined 11% on a standard sale, calculated on the higher of the sale price or the government guideline value. On a ₹50 lakh Coimbatore apartment that is ₹5.5 lakh, payable via e-Stamp on tnreginet.gov.in.
Key takeaways
- Standard sale: 7% stamp duty + 4% registration = 11% of property value — among the highest in India.
- Duty is charged on the HIGHER of the actual price or the government guideline value — you cannot under-declare.
- Family gift, partition, and settlement deeds attract just 1% — a major saver for family transfers.
- Women buyers pay a reduced 3% registration fee (instead of 4%) on property valued up to ₹10 lakh registered in a woman's name (from 1 April 2025) — stamp duty itself stays 7%.
- Registration costs are NOT covered by your home loan — budget ~12% over the agreed price from your own funds.
- Pay via tamper-proof e-Stamp on tnreginet.gov.in and verify certificates at shcilestamp.com.
What are the current stamp duty rates in Tamil Nadu?
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:
| Item | Cost Range | Notes |
|---|---|---|
| Sale deed (residential/commercial) | 7% of property value | |
| Gift deed to non-family member | 7% | |
| Gift deed to family member | 1% | Spouse, children, parents; capped at ₹25,000 for certain relations |
| Partition deed (family) | 1% | On the value of each separated share |
| Settlement deed | 1% | Family succession planning |
| Exchange deed | 7% | On the higher-value property |
| Lease deed (above 1 year) | 1% for up to 30 years | Longer leases treated as sale |
| 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 |
Good to know
Rates are set by the Tamil Nadu Stamp Act and revised periodically, and guideline values can be revised annually — verify the current rate chart on tnreginet.gov.in before your registration date.
How much are registration charges in Tamil Nadu?
In addition to stamp duty, Tamil Nadu levies separate registration charges: • Sale deed: 4% of property value (or guideline value, whichever is higher) • Gift deed: 4% • Partition deed: 2% of the value of separated shares • Settlement deed: 2% • 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 purchase, the combined cost is 7% (stamp duty) + 4% (registration) = 11% of property value. For a ₹75 lakh apartment in Coimbatore: stamp duty ₹5,25,000 + registration ₹3,00,000 = ₹8,25,000 on top of the purchase price. This outlay goes to the state's consolidated fund and is non-negotiable — plan your finances accordingly: check what you can afford including these charges, and estimate the monthly outgo with the EMI calculator.
Know your exact registration cost
Enter your property value and the calculator applies current TN rates, concessions, and guideline-value rules.
Open the Stamp Duty CalculatorHow is the guideline value determined?
Stamp duty in Tamil Nadu is calculated on the guideline value (also called ready-reckoner value or circle rate) — the minimum value the government sets for properties in each area. The Inspector General of Registration revises guideline values periodically, area-wise, road-wise, and locality-wise — the last statewide revision took effect in July 2024, raising urban values by roughly 10% on average; look yours up on tnreginet.gov.in by district, SRO, village, and street.
You pay on whichever is higher
Buy at ₹60 lakh with a ₹45 lakh guideline value → duty on ₹60 lakh. Buy at ₹40 lakh with a ₹45 lakh guideline value → duty on ₹45 lakh. Under-declaring the price does not reduce the duty.
| Item | Cost Range | Notes |
|---|---|---|
| Prime residential (RS Puram, Race Course, Peelamedu) | ₹4,000–₹8,000 / sqft | |
| Mid-segment (Saravanampatti, Ganapathy, Singanallur) | ₹2,500–₹4,500 / sqft | |
| Emerging zones (Kalapatti, Thudiyalur, Sulur) | ₹1,500–₹3,000 / sqft |
These are indicative. Always check the actual guideline value for your specific survey number/street on tnreginet.gov.in before budgeting — actual Coimbatore market prices typically run higher than guideline values. To see what the market itself says a property is worth, get an instant property valuation.
Live market rates in these localities
| Locality | Avg price/sqft | 1-yr change | Rental yield |
|---|---|---|---|
| Race Course | ₹12,425 | +3.3% | 1.9% |
| Peelamedu | ₹9,221 | +18.3% | 2% |
| Saravanampatti | ₹7,301 | +39.6% | 2.3% |
| Ganapathy | ₹7,737 | +21.3% | 1.9% |
| Singanallur | ₹6,452 | +9.9% | 2.2% |
| Kalapatti | ₹7,758 | +8.5% | 1.7% |
| Thudiyalur | ₹6,871 | +65.0% | 1.6% |
Current market ₹/sqft for comparison with the guideline bands above — stamp duty is charged on whichever is higher.
Source: AVnester Market Intelligence · as of Aug 2026 · See full price trends
How do you calculate the total registration cost?
Total cost = stamp duty + registration fee + miscellaneous
Determine the assessable value
The higher of the actual sale price or the guideline value.
Calculate stamp duty
7% × assessable value.
Calculate the registration fee
4% × assessable value.
Add miscellaneous charges
Advocate drafting fee ₹3,000–₹15,000 · patta transfer ₹100–₹500 · DTCP NOC (if required) ₹500–₹2,000 · SRO scanning/copying ₹100–₹500 · DD charges ₹100–₹300.
| Item | Cost Range | Notes |
|---|---|---|
| Assessable value | ₹50,00,000 | Market price above guideline value |
| Stamp duty (7%) | ₹3,50,000 | |
| Registration fee (4%) | ₹2,00,000 | |
| Miscellaneous | ~₹15,000 | |
| Total additional cost | ₹5,65,000 (~11.3%) |
Not covered by your home loan
Banks disburse up to 90% of the property value, excluding registration costs. Budget at least 12% over the agreed price from your own funds to cover stamp duty, registration, and incidentals.
Which stamp duty exemptions and concessions can you claim?
Tamil Nadu offers several concessions that reduce the registration burden: • Women buyers — from 1 April 2025, the registration fee drops from 4% to 3% for property valued up to ₹10 lakh registered in a woman's name (stamp duty stays 7%; splitting a costlier property into parts under one woman's name does not qualify); check current conditions on tnreginet.gov.in • SC/ST buyers — full or partial exemption under government schemes; contact the Adi Dravidar Welfare Department, Coimbatore • Family gift deeds — 1% (capped at ₹25,000 for direct family) instead of 7% when gifting to spouse, children, parents, siblings, or grandchildren • Family partition — 1% on the value of separated shares, not the whole property • Settlement deeds — 1%, typically used for succession planning • Government housing schemes — TNHB and PMAY purchases may carry reduced charges; check scheme-specific terms
Tip
Exemptions must be claimed at the time of registration — they cannot be applied retroactively.
How does e-Stamping work in Tamil Nadu?
E-Stamping is a computer-generated, tamper-proof stamp certificate issued through Stock Holding Corporation of India (SHCIL) or the state portal; it has largely replaced physical stamp paper and franking, eliminating fake-stamp-paper risk. Three ways to get e-Stamps in Coimbatore: • Online via TNREGINET — calculate the duty in the E-Stamp section and pay by net banking, card, or UPI • Authorized banks and licensed stamp vendors — Indian Bank, IOB, and Canara Bank SHCIL branches, vendors outside SRO offices, and e-Sevai/CSC centres • At the SRO counter on registration day — works, but pre-paid e-Stamps speed up the process significantly
Verify before you accept
Any e-Stamp certificate can be verified at shcilestamp.com using its unique certificate number. Always verify e-Stamps bought from a vendor, or when the seller is the one paying the duty.
How to pay stamp duty online in Coimbatore
Prepare your documents
Have the advocate-drafted sale deed ready, along with the survey number and guideline value.
Register as a citizen user at tnreginet.gov.in — login is free.
Look up the guideline value
Use the Guideline Value Search: enter SRO, village, survey number, and street.
Generate the e-Stamp application
Fill in the parties, property description, and sale amount — the system calculates the duty automatically.
Pay online
Net banking, debit/credit card, or UPI (UPI has amount limits).
Download the e-Stamp certificate
Print multiple copies — the original goes to the SRO, one stays with you.
Book the SRO appointment
Choose your Coimbatore SRO, date, and slot on TNREGINET. On the day: carry the e-Stamp, printed Form 1, original documents, ID proofs, and two witnesses — the SRO process takes 1–3 hours.
Frequently Asked Questions
What is the total cost of registering a property in Tamil Nadu?
For a standard sale: 7% stamp duty + 4% registration = 11% of the assessable value, plus ₹5,000–₹20,000 of incidentals (advocate, patta transfer, copies). Budget about 12% over the agreed price.
Is stamp duty lower for women in Tamil Nadu?
Stamp duty itself is the same 7% for everyone. However, from 1 April 2025 Tamil Nadu charges women a reduced registration fee of 3% (instead of 4%) on property valued up to ₹10 lakh registered in a woman's name — a saving of up to ₹10,000. Verify current conditions on tnreginet.gov.in.
Can I pay stamp duty with my home loan?
No. Banks lend against the property value only — stamp duty and registration charges must come from your own funds, which is why you should budget roughly 12% above the purchase price.
What happens if I declare a lower sale price?
It does not help: duty is charged on the higher of the declared price or the government guideline value. Deliberate under-valuation also risks penalty proceedings under the Stamp Act.
How do I transfer property to my children cheaply?
Use a family gift or settlement deed: gifts to direct family attract just 1% stamp duty (capped at ₹25,000 for certain relations) plus registration charges, instead of the 7% sale rate.
Registration jargon, decoded
- Stamp duty
- State tax on property transfer documents — 7% for a standard Tamil Nadu sale deed.
- Registration charge
- Separate 4% fee for registering the document at the Sub-Registrar's office.
- Guideline value
- Government-set minimum property value per area/street; duty is charged on the higher of this or the actual price.
- e-Stamp
- Tamper-proof digital stamp certificate (via SHCIL/TNREGINET) that replaced physical stamp paper.
- Franking
- Older method of stamping documents through authorized banks — now largely replaced by e-Stamping.
- Settlement deed
- A 1%-duty instrument used to transfer property among family members, typically for succession planning.
- SRO
- Sub-Registrar's Office — where the deed is executed, stamped, and registered.
Legal note
This guide is general information, not tax or legal advice. Stamp Act rates, concession caps, and guideline values are revised periodically — confirm the current figures on tnreginet.gov.in before executing any document, and have your deed drafted by a property advocate.