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Buying Guides8 min read30 Oct 2026

Stamp Duty & Property Registration Charges Across Indian States: 2026 Ready Reckoner

Complete comparative breakdown of state-wise conveyance stamp duties, female concessions, sub-registrar fees, and circle rates for 2026.

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EstateOS Regulatory & Tax Cell

EstateOS Regulatory Editorial Council
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Stamp Duty & Property Registration Charges Across Indian States: 2026 Ready Reckoner
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When calculating the acquisition cost of a residential or commercial asset in India, buyers frequently overlook statutory state levies—namely Stamp Duty and Registration Fees—which can add 6% to 10% on top of the builder agreement value. ### State-by-State Duty Structures (2026 Snapshot): - **Maharashtra (Mumbai / Pune)**: 6% for Male buyers, 5% for Female buyers, plus a statutory 1% registration fee (capped at ₹30,000 for properties > ₹30 Lakh). - **Punjab (Mohali / Ludhiana / Amritsar)**: 7% (Male), 6% (Female), 6.5% (Joint), plus 1% statutory sub-registrar registration fee. - **Haryana (Gurugram / Faridabad / Panchkula)**: 7% in municipal limits (Male), 5% (Female), 6% (Joint), plus tiered registration charges. - **Karnataka (Bengaluru Urban / Rural)**: Standardized 5% stamp duty plus 1% registration fee across major property brackets. - **Delhi NCR**: 6% for Male buyers, 4% for Female buyers, 5% for Joint ownership, plus 1% registration fee. ### Female Concession Optimization Registering a property in the name of a female family member (or jointly with spouse) saves between 1% to 2% in government stamp duty—representing a direct cash savings of ₹1,00,000 to ₹2,00,000 on a ₹1 Crore property transaction. Simulate your exact state government conveyance costs with our real-time **EstateOS Stamp Duty & Registration Calculator**.
Tags:#Stamp Duty#Registration Fee#Circle Rates#Punjab#Haryana#Maharashtra#Delhi#Karnataka
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