Stamp Duty and Registration Calculator
Stamp duty, metro cess and registration fee on a flat, house or plot in Maharashtra or Delhi, from each state's own notifications.
On a ₹1 crore flat in Mumbai a man pays 6% stamp duty (5% plus 1% metro cess) and ₹30,000 registration: ₹6,30,000 in all; a woman pays 1% less stamp duty. In Pune, Pimpri-Chinchwad, Thane and Nagpur it is 7%. In Delhi a man pays 6% and a woman 4%, plus 1% registration and ₹100: ₹7,00,100 or ₹5,00,100 on ₹1 crore.
The words on this page, explained simply
New to this? Here is what each term means, in plain English.
- Stamp duty
- A state tax paid to register a property in the buyer's name, a percentage of the price or the government's value for the property, whichever is higher. Each state sets its own rates.
- Ready reckoner / circle rate
- The government's minimum value per square metre for property in each locality, published by the state. Called the ready reckoner rate in Maharashtra and the circle rate in Delhi.
- Metro cess
- An extra 1% stamp duty in Maharashtra cities with a notified metro or rail project (Mumbai, Thane, Pune, Pimpri-Chinchwad, Nagpur), since 8 February 2019.
- Registration fee
- Paid to the sub-registrar on top of stamp duty to record the sale. 1% capped at Rs 30,000 in Maharashtra; 1% plus Rs 100 in Delhi.
- Stamp duty value
- The value the state government puts on a property for stamp duty, from its circle rate or ready reckoner. It is on the registration papers and can be higher than the price you agreed.
Stamp duty is a state tax you pay to register a property in your name, on the price or the government's value for the property (ready reckoner rate in Maharashtra, circle rate in Delhi), whichever is higher. Registration fee is paid on top. Pick the state and area, enter the price and the government value, and the calculator adds it up.
Maharashtra: stamp duty by area (₹1 crore property)
| Area | Men | Women (homes) | Total cost for a man |
|---|---|---|---|
| Mumbai (BMC area) | 6% | 5% | ₹6,30,000 |
| Pune, Pimpri-Chinchwad, Thane or Nagpur | 7% | 6% | ₹7,30,000 |
| Other municipal corporation with a notified metro or rail project | 7% | 6% | ₹7,30,000 |
| Other municipal corporation | 6% | 5% | ₹6,30,000 |
| Municipal council, nagar panchayat or MMRDA rural area | 5% | 4% | ₹5,30,000 |
| Gram panchayat (village) area | 4% | 3% | ₹4,30,000 |
Stamp duty is 5% in cities and towns and 4% in villages (Maharashtra Stamp Act, Article 25). Every municipal corporation except Mumbai adds a 1% surcharge, and cities with a notified metro or rail project add 1% metro cess, in force since 8 February 2019. Women buying a home pay 1% less stamp duty; the surcharge and cess stay. Registration fee is about 1%, capped at ₹30,000, so it is ₹30,000 on anything above ₹30 lakh.
Example: an ₹80 lakh flat in Pune with a ready reckoner value of ₹90 lakh is charged on ₹90 lakh: 7% is ₹6,30,000, plus ₹30,000 registration.
Municipal councils and villages can carry a further local surcharge that the Stamp Act does not list; the calculator shows the Act's rate there, so confirm the total with the sub-registrar.
Delhi
| Buyer | Stamp duty | Registration | Total on ₹1.00 crore |
|---|---|---|---|
| Man | 6% | 1% + ₹100 | ₹7,00,100 |
| Woman | 4% | 1% + ₹100 | ₹5,00,100 |
| Man and woman, half each | 6% and 4% on each half | 1% + ₹100 | ₹6,00,100 |
Delhi charges on the price or the circle-rate value, whichever is higher (Department of Revenue, GNCTD). For joint buyers the calculator applies each buyer's rate to their share.
Other states
Each state sets its own rates, concessions and surcharges, and many are in scanned notifications. This calculator adds a state only after reading its notifications, so it covers Maharashtra and Delhi for now.
Key takeaways
- Stamp duty is charged on the higher of the price and the government's value for the property.
- Mumbai 6%, Pune, Pimpri-Chinchwad, Thane and Nagpur 7%, other corporations 6%; women buying a home pay 1% less.
- Maharashtra registration fee is capped at ₹30,000; Delhi's is 1% plus ₹100.
- Delhi: 6% for men, 4% for women.
Frequently asked questions
What is the stamp duty in Mumbai?
6% for men (5% stamp duty plus 1% metro cess) and 5% for women buying a home, plus registration fee of 1% capped at ₹30,000.
What is the stamp duty in Pune?
7%: 5% stamp duty, 1% municipal surcharge and 1% metro cess. Women buying a home pay 6%. Registration is 1%, capped at ₹30,000.
What is the stamp duty in Delhi?
6% for men and 4% for women, on the price or the circle-rate value, whichever is higher, plus 1% registration fee and ₹100 pasting fee.
Is stamp duty charged on the agreement value or the ready reckoner value?
On whichever is higher. If you pay less than the ready reckoner or circle-rate value, stamp duty is still charged on that value.
Do women get a stamp duty concession in Maharashtra?
Yes: 1% less stamp duty on a home bought by women, since 1 April 2021. The municipal surcharge and metro cess are not reduced.