Stamp Duty Calculator 2026: Planning to buy a home in 2026? Use our free Stamp Duty Calculator to instantly estimate your total registration costs. Rates vary significantly by state and gender—find out exactly how much tax you need to pay on your property transaction today

How to Use the Stamp Duty Calculator 2026

Buying a home is one of the biggest financial decisions you will ever make. Apart from the property price, there are significant additional costs involved—specifically Stamp Duty and Registration Charges. These are mandatory taxes paid to your state government to legally register the property in your name.

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This Stamp Duty Calculator helps you estimate these hidden costs instantly, so you can plan your budget accurately. Whether you are buying an apartment in Delhi, a plot in Bangalore, or a floor in Gurgaon, our tool provides a quick estimate of your liability.

Step-by-Step Guide

Using this calculator is simple and requires just three key details. Follow these steps to get an accurate estimate:

Step 1: Select Your Location

Property taxes in India are a State subject, meaning the rates change depending on where the property is located.

• Click on the dropdown menu labeled “Select Location”.
• Choose the state or city where your property is situated (e.g., Delhi, Maharashtra, Karnataka, etc.).
• Why this matters: Stamp duty rates can vary from 3% in some areas to over 7% in others. Selecting the wrong state will give you an incorrect calculation.

Step 2: Select Owner Gender

Stamp Duty Calculator 2026: Did you know that many Indian states offer a “Ladies Discount” on property taxes? Governments encourage female property ownership by offering lower stamp duty rates.

• Male: Select this if the property is being registered solely in the name of a male buyer.
• Female: Select this if the property will be in the name of a woman. (This often lowers the tax by 1% to 2%).
• Joint: Select this if the property is being co-owned (e.g., Husband and Wife). Joint ownership rates often sit between the male and female rates.

Step 3: Enter Property Value

Enter the total Market Value or the Circle Rate Value of the property in the input box.

• Tip: Always enter the higher of the two values. For example, if you are buying a flat for ₹50 Lakhs, but the government circle rate for that area says the minimum value is ₹60 Lakhs, you must enter 6000000.
• Do not use commas; simply type the numbers (e.g., 5000000).

Step 4: Click “Calculate Charges”

Once you hit the button, the tool instantly processes the current 2025 tax rates for your selected state and displays the breakdown.

Understanding Your Results

The Stamp Duty Calculator 2026 provides a clear breakdown of your total liability:

1. Stamp Duty Amount: This is the primary tax calculated based on the percentage applicable to your state and gender.
2. Registration Fee: This is a separate fee paid to the Sub-Registrar’s office for the administrative work of filing your deed. In most states, this is 1% of the property value, though some states (like Maharashtra) have a maximum cap on this fee.
3. Total Payable: This is the final amount you need to arrange over and above your property cost. This amount is usually paid via e-stamp paper or online challan before the registry appointment.

Pro Tips for Home Buyers

• Save Money with Female Ownership: As you will see in the calculator, registering a property in a woman’s name can save you lakhs. If you are buying a home for your family, consider registering it in your mother’s or wife’s name to avail of this rebate.
• Tax Benefits: Do not forget that under Section 80C of the Income Tax Act, the amount you pay as Stamp Duty and Registration charges is eligible for a tax deduction (up to ₹1.5 Lakh limit).

Disclaimer: While this tool uses the latest 2025 estimates, state governments may revise rates during the annual budget. Always verify the final figure with a local property lawyer or the Sub-Registrar’s office before making a payment.

Current Stamp Duty Rates 2025

FAQs on Stamp Duty Calculator 2026 (India) | Calculate Registration Charges Online