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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. In fact, securing a home loan often factors in these additional costs upfront. This ensures you have a clear picture of the total financial commitment involved in purchasing your dream home.

What is a Stamp Duty ?

Stamp duty is a tax on legal documents, typically in property transactions. It ensures legal validity and generates government revenue, with rates varying by jurisdiction and transaction value. It ensures legal validity and generates government revenue, with rates varying by jurisdiction and transaction value.


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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.

Stamp Duty and Property Registration Charges & Rates in Top Cities

Documents required for 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.

Stamp Duty Calculation Formula

You can use our calculator to calculate your stamp duty by just selecting your state and property value. 

Steps to use Stamp Duty Calculator

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.

More Home Loan products for you

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What our customers say about us

I had applied for a home loan at Tata Capital & got the it approved quickly. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs.

Sumeet Verma

Home Loan | 14 March, 2022

The submission of my home loan application was very simple and easy. Even the documentation process was very simple and ended in very less time.

Yukta Jaiswal

Home Loan | 11 March, 2022

The customer support service is good as they responded to my queries without any wait time. With their help, my home loan was approved in very less time.

Rashmi Singhania

Home Loan | 28 February, 2022

I got my home loan approved from Tata Capital. The reason behind going with Tata Capital home loan is they were offering home loan at best price and zero processing fee.

Aman Malik

Home Loan | 18 February, 2022

Rate of interest for the home loan is nominal. The processing fee is applicable but even that's nominal.

Chintan Saraiya

Home Loan | 20 October, 2021

The agent explained clearly about the home loan process. There was no hassle in getting the loan.

Ayaz Azmi

Home Loan | 20 October, 2021

I was given a clear picture about the loan process. I am impressed how I was properly notified by the bank and how transparency was maintained.

Kalpana Singh

Home Loan | 20 October, 2021

The processing fee was nominal for my home loan. It was processed hassle free. I am satisfied with the service.

Sridhar Pillai

Home Loan | 20 October, 2021

The process for my housing loan was immediate. Interest rates were normal at X%. The documentation process was hassle free. What else can I expect!?

Kundan Meher

Home Loan | 20 October, 2021

Find the right Loan for you

Affordable Housing Loan

  1. At Tata Capital, we believe that every single person, regardless of their financial background, deserves a home to call their own.

With this vision, Tata Capital Housing Finance offers affordable home loans at competitive interest rates. 

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Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.

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Instead of buying a ready-to-move-in house, you can choose to purchase a piece of land and construct your house on it brick by brick. 

A home loan for self-construction or simply a home construction loan is a special type of home loan given to help borrowers construct their own house on a piece of land or plot.

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Home Loan Top-up

A home loan top-up is a facility offered by lenders under which a borrower can take an additional loan over and above their existing home loan.

The home loan top-up facility is available only for existing home loan borrowers without the need for any additional security or guarantee.

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Home Loan Overdraft

At times, you may need additional funds to tackle your personal or business expenses. 

With Tata Capital’s home loan overdraft facility, you can avail of a home overdraft loan limit of up to Rs. 2 crores. You can withdraw funds from this overdraft housing loan limit as per your needs and then pay it back at your convenience.

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Quick Cash

Quick Cash loan is a unique Pre-Approved personal finance top-up linked to your existing Tata Capital Housing Finance Limited (TCHFL) loans. This loan is only for existing TCHFL Home Loan and Home Equity customers.

Apart from its unique features, it also offers other advantages such as faster processing, and a paperless journey, notwithstanding that all this could be availed in just a few clicks at your convenience any day 24*7.

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Balance Transfer

  1. A home loan balance transfer, or simply a home loan transfer, takes place when you transfer your outstanding home loan amount to a new lender from your existing lender.

With Tata Capital Home Loan Balance Transfer, you can transfer your outstanding home loan balance to affordable interest rates. Our home loan interest rates start from just 8.75% per annum*.

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