Is stamp duty paid on the agreement value or market value?

Stamp duty is levied on the higher of the (1) agreement value / sale consideration and (2) the government circle rate (Ready Reckoner Rate). If you buy at ₹80L in an area where the circle rate implies ₹90L, stamp duty is charged on ₹90L.

Do women get a discount on stamp duty in India?

Yes, many states offer a 1–2% concession: Delhi charges 4% for women vs 6% for men; Haryana charges 5% vs 7%; Punjab 5% vs 7%; MP 7.5% vs 9.5%. For joint purchases where one buyer is female, an intermediate rate typically applies.

Is stamp duty included in the home loan amount?

No. Stamp duty and registration are not covered by the home loan. They must be paid from your own funds at the time of registration. This is why lenders recommend keeping 8–10% of property value as additional liquid funds beyond the downpayment.

Can stamp duty be claimed as a tax deduction?

Yes. Under Section 80C of the Income Tax Act, stamp duty and registration charges paid for a residential property are deductible up to ₹1.5 Lakh per year, but only under the Old Tax Regime.

Stamp Duty Calculator

Calculate exact stamp duty and registration charges for any Indian state. Factors in circle rate vs agreement value, property type, and female buyer concessions.

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Quick Summary: Stamp Duty Calculator

Stamp duty is a state-level tax on property transactions. In FY 2026-27, rates vary from 3% to 7% across India. Many states like Delhi, Haryana, and Rajasthan offer a 1-2% concession for female buyers. The duty is calculated on the higher of the government circle rate or the agreement value.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.