Question 1

How much is stamp duty on property in India?

Accepted Answer

Stamp duty on property in India varies by state: Maharashtra 5-6% (5% in Mumbai). Delhi 4-6% (4% for women). Karnataka 3-5%. Tamil Nadu 7%. Uttar Pradesh 7%. Gujarat 4.9%. Rajasthan 6%. West Bengal 5-6%. Additional registration fee of 1% is typically charged over stamp duty. Women buyers get 1-2% concession in many states.

Question 2

What is TDS on property purchase above Rs 50 lakh?

Accepted Answer

Buyer must deduct 1% TDS (Section 194-IA) on property transactions above Rs 50 lakh. The buyer deducts 1% from payment to seller and deposits it with the government using Form 26QB within 30 days. Seller gets credit in Form 26AS. TDS is on the total sale consideration, not stamp duty value. No TDS on agricultural land.

Question 3

What is GST on flat purchase?

Accepted Answer

GST on flat purchase: Under-construction residential property (non-affordable) — 5% GST (without ITC). Affordable housing (value up to Rs 45 lakh, carpet area up to 60 sq m urban / 90 sq m non-urban) — 1% GST. Ready-to-move-in flat with completion certificate — No GST. Commercial property under construction — 12% GST.

Question 4

What is the total cost of buying a property in India?

Accepted Answer

Total property buying costs in India: Property price (100%) + Stamp duty (4-7%) + Registration fee (1%) + GST if under construction (1% or 5%) + TDS if price >Rs 50L (1%, buyer deposits) + Legal/advocate fees (0.5-1%) + Loan processing fee if home loan (0.5-1%) + Brokerage/agent fee (1-2%) + Society charges (varies). Total additional costs: 8-15% over property price.

Property Registration Cost Calculator

Stamp Duty Rates — Major States India 2025

State	Stamp Duty (Male)	Stamp Duty (Female)	Registration Fee	Notes
Maharashtra (Mumbai)	5%	5%	1% (max ₹30,000)	Metro cities: 5%. Other areas: 5%. Local body tax (LBT) extra in some areas.
Delhi	6%	4%	1%	Women get 2% concession. Joint (m+f): 5%.
Karnataka (Bengaluru)	5%	5%	1%	Below ₹45L: 2% stamp duty. ₹45L–₹75L: 3%. Above ₹75L: 5%.
Tamil Nadu	7%	7%	4% (max ₹4,000)	High stamp duty. Transfer duty 0.5% extra. Women: 1% concession in rural areas.
Uttar Pradesh	7%	6%	1%	Women get 1% concession. Urban areas: 7%. Rural: 5%.
Gujarat	4.9%	4.9%	1%	Plus surcharge 1.4% = effective 6.3% for male. Female: 0.6% concession.
Rajasthan	6%	5%	1%	Women get 1% concession. Urban/rural rates differ slightly.
Haryana	7%	5%	3%	Women get 2% concession. Urban/rural areas: same rate.
West Bengal	6%	6%	1%	Plus 1% urban cess in municipal areas. Rural areas: 5%.
Andhra Pradesh	5%	5%	0.5%	Transfer duty 1.5% extra. Effective total: 7%.
Telangana	5%	5%	0.5%	Similar to AP. Hyderabad: higher circle rates apply.
Kerala	8%	8%	2%	Highest stamp duty in India. Fair value basis.