Question 1

How much is stamp duty on a ₹1 crore property in Mumbai?

Accepted Answer

In a Mumbai metro corporation area, stamp duty is 5% base + 1% metro cess = 6% for male/joint buyers (₹6 lakh on ₹1 crore), or 5% for women sole-owners under the Rajmata Graha Swamini Yojana. Registration is 1% capped at ₹30,000.

Question 2

Do women buyers pay less stamp duty in India?

Accepted Answer

Yes in 14 states and 2 UTs. Delhi offers 2% less (4% vs 6%), Maharashtra offers 1% less, Uttar Pradesh offers 1% less up to ₹1 crore (since July 2025), and Gujarat waives the registration fee entirely for female sole-owners. The concession typically requires sole ownership or a woman listed first in joint M+F deeds.

Question 3

Is stamp duty the same across all Indian states?

Accepted Answer

No. Stamp duty is a state subject, so every state has its own rate. Combined stamp duty + registration ranges from about 6% (Sikkim, Chandigarh) to 14% (Puducherry). Within a state, urban and rural rates can also differ (Haryana, Maharashtra, West Bengal).

Question 4

Is stamp duty calculated on agreement value or circle rate?

Accepted Answer

Stamp duty is computed on the higher of the sale consideration or the government-notified circle rate (also called ready reckoner value, guidance value, or jantri). This prevents under-reporting of transaction values to reduce the tax.

Stamp Duty Calculator — India 2026