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Stamp Duty, Registration, and Ancillaries: Complete Cost Map by State

Comprehensive guide to stamp duty, registration charges, and ancillary costs across Indian states.

Published April 23, 20258 min read

Stamp Duty, Registration, and Ancillaries: Complete Cost Map by State

States price property transactions differently. Build a clean estimate before token money is paid.

The Cost Stack

  • Stamp duty: State specific rate with female or first‑time buyer concessions in some states.
  • Registration fee: Often a fixed percent or a capped slab.
  • Surcharge and cess: Apply in some states on top of stamp duty.
  • TDS on property: For deals above threshold under applicable sections.
  • Legal and diligence: Title search, Encumbrance Certificate, society NOC where applicable.
  • Loan related: Processing, valuation, CERSAI registration, franking or stamping loan documents.
  • Approvals: Occupancy Certificate or Completion Certificate for new builds.

Estimation Process

  • Get circle rate and market rate. Duty is computed on the higher of the two in many states.
  • Ask your registrar office or bank panel lawyer for a break‑up by head. Do not rely on hearsay.
  • Keep a 1 to 2% contingency for state or municipal add‑ons.

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