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Stamp Duty Calculator

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Disclaimer: The aforementioned values, calculations and results are for illustrative purposes only. Actual stamp duties may vary for various reasons including amendments , local charges and such other factors. Please verify/ seek independent advise from relevant consultant for the same.

What is a Stamp Duty Calculator?

When you purchase a house, there are several expenses that you have to bear apart from the cost of the property. These include the registration charges and stamp duty you need to pay while registering the ownership of your new house.

Since the stamp duty and registration charges on properties vary from one state to another, you can use a stamp duty and registration calculator to calculate these charges on your housing property. Tata Capital’s Stamp Duty Calculator is an easy-to-use online tool that can help you evaluate the stamp duty on your property in a hassle-free manner.

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What Happens if you Don’t Pay Stamp Duty Charges?

Stamp duty and registration charges are one-time charges that have to be paid at the time of property registration. As per the Indian Stamp Duty Act of 1899, if you fail to pay your stamp duty charges, you may incur a penalty at the rate of 2% per month on the outstanding amount. This penalty can go up to as high as 200% of the deficit amount.

What is the Stamp Duty for First-time Homebuyers?

When you purchase your first property, you’re required to pay stamp duty and registration charges. Since these charges are levied by the State Government, they vary from one state to another. The stamp duty for first-time homebuyers depends upon various factors, including the market value of the property, type of property, location, age, and gender of the buyer, among others.

Usually, stamp duty ranges between five to ten percent of the property’s market value, and registration charges tend to be between one to two percent of the property’s market value. To know the exact stamp duty amount that you need to pay, you can use an online stamp duty calculator.

How much is the Stamp Duty on a Second Property?

There are no provisions for different stamp duty rates for second or third properties in India. It means that you are required to pay your stamp duty at the same rate, irrespective of whether it is your first or second property. You can conveniently pay your stamp duty online or offline.

How to Calculate Property Value for Stamp Duty?

While calculating stamp duty on your property, you are required to enter the market value of your property in a stamp duty calculator. Ideally, stamp duty officials use a Stamp Duty Ready Reckoner to calculate the valuation of a property and the resulting stamp duty.

This value is calculated as per the market worth of a property based on the State Government’s regulations. The State Governments publish their stamp duty rates every year to ensure the fair calculation of stamp duty charges.

How to Get the Stamp Duty Value for a Property?

The stamp duty charges for a property depend upon its market value and the state in which it is located. Each state has its own criteria for calculating stamp duty charges. They consider various factors - including the market value of a property, type of property, age, location, and gender of the buyer - to determine stamp duty rates.

Stamp duty rates in India vary between five to ten percent in different states. For instance, if the market value of your property is Rs. 50 lakhs and the applicable stamp duty rate is 7%, the payable stamp duty will be 7% of Rs. 50 lakhs, i.e., Rs. 3.5 lakhs.

You can use an online stamp duty calculator to determine the stamp duty payable on your property. With Tata Capital Stamp Duty Calculator, you can evaluate your stamp duty in the following steps:

  • Step 1 - Select the state where your property is located from the dropdown list. 

  • Step 2 - Select the gender of the property owner from the dropdown list. The property can be in the name of a male, female, or joint ownership.

  • Step 3 - Enter the area value or market value of your property in Rupees.

As soon as you enter these values in our home loan stamp duty calculator, your final stamp duty and the applicable stamp duty rate will be displayed instantly.

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Popular FAQs

Can stamp duty be claimed as a tax deduction?

Yes. You can claim the stamp duty and registration charges you have paid on your property purchase as tax deductions under section 80C of the Income Tax Act of 1961. You can claim these deductions while filing your income tax return or ITR. The maximum tax deduction allowed under section 80C is Rs. 1.5 lakh in a financial year.

What factors influence the calculation of stamp duty?

Stamp duty is levied by the state government upon the transfer of property ownership. So, when you buy a new property, you are required to pay this duty to the government. Different states in India have different rules for the calculation of stamp duty, and some factors that they consider are:

  • Age of the buyer
  • Gender of the buyer
  • Origination of the buyer (for properties in special states)
  • Location of the property
  • Type of property
  • Amenities included in the property
  • The market value of the property

    • You can calculate the stamp duty payable on your property yourself by using Tata Capital’s stamp duty calculator.

Do I need to pay stamp duty if I am purchasing a property through the PMAY scheme?

Yes. You are required to pay stamp duty even if you have purchased a house under the Pradhan Mantri Awas Yojana (PMAY) scheme. However, some states have fixed stamp duty charges for housing units built under the PMAY scheme. For example, in Maharashtra, affordable houses under the PMAY scheme attract a flat stamp duty of Rs. 1,000.

Is it possible to pay stamp duty online?

Yes. You can visit the respective state government’s website to pay your stamp duty online. This can also be done by visiting the Stock Holding Corporation of India Limited (SHCIL) website through the MCA21 system under the E-stamping method. However, this facility is available only in selected states.

What happens if the stamp duty is not paid?

As per Section 3 of the Indian Stamp Act of 1899, every homebuyer in India must pay a stamp duty against the cost of their property. In the case of non-payment or delay in payment, the buyer may have to pay a stiff penalty, face imprisonment, or both. The maximum penalty can be 200% of the deficit amount.

Do I need to pay stamp duty annually or just once?

You are required to pay stamp duty only once at the time of your property registration. It acts as evidence of the purchase and sale of a property between the two parties. If you are unsure of the stamp duty amount that you may have to pay, you can take the help of a stamp duty calculator.

How long after buying a house do I need to pay the stamp duty?

Stamp duty on a property is payable before the transaction is executed between the two parties. You can also pay your stamp duty on the next working day of your transaction date. However, if you fail to pay your stamp duty even by then, you may have to pay a penalty to the government.

Can I get my money back that I have paid as a stamp duty?

If the registration of your property has been denied by the government, you can apply for a refund of the stamp duty paid by you. You can get up to 98% of your stamp duty as a refund. However, you must attach the original registration cancellation deed to claim this refund. You won’t be getting a refund of your registration fees under any other circumstances.

Can I calculate the registration fee for my house using a stamp duty calculator?

A stamp duty calculator is meant for the calculation of the stamp duty payable on your property. Usually, a stamp duty calculator does not have the feature to calculate registration charges. However, you can find some stamp duty calculators online that can help you evaluate the registration charges as well. They usually range between 1% and 5% of the property’s value.

What are the variables that affect the rate of stamp duty in India?

The two most important factors that determine the rate of stamp duty in India are the value of the property and the location of the property. Different states in India levy stamp duty at different rates, and you can use a stamp duty calculator to know this rate and the final stamp duty you have to pay. Some other factors that may also impact the stamp duty rate include the buyer’s age, gender, property type, and amenities present in it.

What happens if stamp duty is not paid on time?

As per the Indian Stamp Act, you are required to pay stamp duty on a property before the transaction is executed between the two parties. You can also pay your stamp duty on the next working day of your transaction date. However, if you fail to pay stamp duty on time, you may incur a penalty of 2% per month (up to a maximum of 200%) of the outstanding amount.

Can I get a refund of my stamp duty if the property transaction doesn’t go through?

Yes. If you do not go through with the registration of your property for any reason, you can apply for a refund of the stamp duty you have paid. You will get a refund of up to 98% of the amount paid by you.

How do I claim stamp duty and registration charges in ITR?

You can claim the stamp duty and registration charges as tax deductions under section 80C of the Income Tax Act while filing your ITR. But remember, you can claim this deduction in the same financial year in which you made the payment. The maximum deduction allowed under this section is Rs. 1.5 lakh.

Do I have to pay stamp duty for a commercial property?

Yes. Stamp duty is applicable on the purchase or transfer of commercial properties, such as shops, offices, showrooms, warehouses, etc. However, the rates for stamp duty on commercial properties may vary as compared to residential properties.

What documents are required to pay stamp duty?

You are required to submit the document on which you are paying stamp duty. For example, if you are paying stamp duty on a property transfer, you are required to submit the transfer agreement between the two parties. No additional documents are needed for online payment of stamp duty.

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