Stamp Duty and Registration Fees Calculator
Choose the document type, enter the sale price and guideline value, and click Calculate. The result is an estimate based on published rates — the Sub-Registrar Office confirms the final amount.
Duty is charged on whichever is higher — the price or the guideline value. Find it on TNREGINET →
Please enter a valid amount.
| Value used for duty | |
| Stamp duty | |
| Registration fee | |
| Total payable | |
| Effective rate |
Estimate based on Tamil Nadu rates (registration fee 2% from 01-04-2023; women concession 1% from 01-04-2025 for value ≤ ₹10 lakh). The Sub-Registrar Office confirms the final amount.
How to use the calculator
- Choose the document type — sale deed, family settlement or simple mortgage.
- Enter the sale price (or loan amount for a mortgage).
- Enter the guideline value. Find it free on the TNREGINET guideline value page.
- For a sale deed, tick the box if all buyers are women and the value is ₹10 lakh or less.
- Click Calculate to see stamp duty, registration fee, the total and the effective rate.
Stamp Duty and Registration Fees by Document Type
Percentages apply to the market value — the higher of the sale price and the guideline value — unless the table says otherwise. Many older guides still show a 4% registration fee; that rate was cut to 2% from 1 April 2023.
| Document | Stamp duty | Registration fee |
|---|---|---|
| Sale deed | 7% | 2% |
| Sale deed — all women buyers, value ≤ ₹10 lakh | 7% | 1% |
| Gift or settlement to non-family | 7% | 2% |
| Exchange deed | 7% of the greater value | 2% of the greater value |
| Settlement in favour of family | 1%, max ₹40,000 | 1%, max ₹10,000 |
| Partition among family (per share) | 1%, max ₹40,000 | 1%, max ₹10,000 |
| Release among family | 1%, max ₹40,000 | 1%, max ₹10,000 |
| Simple mortgage (on loan amount) | 1%, max ₹50,000 | 1%, max ₹15,000 |
| Mortgage with possession (on loan amount) | 4% | 1%, max ₹2,00,000 |
| Lease below 30 years | 1% of rent and premium | 1%, max ₹40,000 |
| Agreement to sell | ₹200 | 1% of advance paid |
| Power of attorney to sell (to family) | ₹1,000 | ₹2,000 |
Check the Duty and Fees page on TNREGINET before you pay. Rates are set by government order and can be revised. The table above reflects rates as of October 2026.
How Stamp Duty Is Calculated in Tamil Nadu
Both stamp duty and registration fee are worked out on the market value — the higher of the price written in the deed and the guideline value. Writing a lower price does not lower the duty. For a constructed property, work out the building portion with our building value calculator guide.
Base value = higher of (sale price, guideline value)
Stamp duty = 7% of base · Registration fee = 2% of base
| Example | Price | Guideline value | Base used | Stamp duty | Reg. fee | Total |
|---|---|---|---|---|---|---|
| Flat in Chennai | ₹50,00,000 | ₹42,00,000 | ₹50,00,000 | ₹3,50,000 | ₹1,00,000 | ₹4,50,000 |
| Plot sold below guideline value | ₹30,00,000 | ₹36,00,000 | ₹36,00,000 | ₹2,52,000 | ₹72,000 | ₹3,24,000 |
| Women buyers, small plot | ₹9,00,000 | ₹8,00,000 | ₹9,00,000 | ₹63,000 | ₹9,000 | ₹72,000 |
If the duty paid is lower than it should be, the Sub-Registrar can refer the deed under Section 47A of the Indian Stamp Act. The Special Deputy Collector (Stamps) then demands the shortfall with a penalty.
Registration Fee Concession for Women
From 1 April 2025, women buying a property pay a 1% registration fee instead of 2% under G.O. (Ms.) No. 77. Stamp duty stays at 7%.
- The market value must be ₹10 lakh or less.
- Every buyer must be a woman — a husband and wife buying together do not qualify.
- It covers houses, plots and agricultural land.
- A property cannot be split into smaller deeds to claim the concession.
- Fees paid before the order came into effect are not refunded.
Stamp Duty for Family Settlement, Partition and Release Deeds
Transfers within the family cost far less than a sale. A settlement deed in favour of a family member, a partition among family members and a release among family members each attract 1% stamp duty capped at ₹40,000, and a 1% registration fee capped at ₹10,000.
Example: a father settles a house worth ₹80 lakh on his son.
- Stamp duty: 1% is ₹80,000, but the cap is ₹40,000, so he pays ₹40,000.
- Registration fee: 1% is ₹80,000, capped at ₹10,000.
- Total: ₹50,000 — against ₹7,20,000 if the same house were sold at the 9% rate.
Family usually covers spouse, children, grandchildren, parents and siblings. A gift or settlement to anyone outside the family is charged like a sale at 7% plus 2%. Confirm with the Sub-Registrar Office that your relation qualifies before drafting the deed.
EC and Other Charges to Budget For
Stamp duty and registration fee are the main costs, but plan for a few smaller ones too.
- Encumbrance Certificate: a small fee based on the number of years searched, paid on TNREGINET EC View.
- Document writer or lawyer: charges for drafting the deed vary by person and city.
- Patta transfer: a separate small fee to the Revenue Department after registration — check the patta transfer status here.
- Scanning and copies: minor counter charges at the Sub-Registrar Office.
How to Pay Stamp Duty and Registration Fee Online on TNREGINET
You pay both charges online on TNREGINET while preparing the document for registration. The portal calculates the amount from the document details and the guideline value.
- Log in to tnreginet.gov.in. New users complete user registration first.
- Enter the document details: type of deed, parties, property description and value.
- The portal shows the stamp duty and registration fee due based on your inputs and the guideline value.
- Pay through the e-payment gateway using net banking or other listed options. E-stamp paper is also accepted where allowed.
- Save the payment receipt and transaction ID.
- Book a token for the Sub-Registrar Office and attend on the chosen date for registration.
Under STAR 3.0, the first sale of flats and layout plots is registered fully online — payment and registration happen without visiting the office.
Payment Failed, Refund and Common Errors
| Problem | What to do |
|---|---|
| Money debited but payment shows failed | Check E-Services → E-Payment → Payment Status with the transaction ID before paying again |
| Paid twice by mistake | Apply for a refund through the Sub-Registrar Office with both payment receipts |
| Duty shown is higher than expected | The portal uses the guideline value when it is higher than the sale price — check the guideline value first |
| Women concession not applied | Confirm every buyer is a woman and the property value is ₹10 lakh or less |
| Session timed out during payment | Log in again and check the payment status before retrying to avoid a double payment |
| Wrong document type selected | Correct the document type before payment — the rate depends on the deed type |
Frequently Asked Questions
What is the stamp duty in Tamil Nadu in 2026?
Stamp duty on a sale deed is 7% and the registration fee is 2%, both charged on the higher of the sale price or the guideline value. The total is 9% of the property value.
Is the registration fee in Tamil Nadu 4% or 2%?
It is 2% for sale deeds. The fee was 4% earlier and was reduced to 2% from 1 April 2023. Many older articles and guides still show the old 4% rate.
Do women get a stamp duty concession in Tamil Nadu?
Women do not get a stamp duty cut, but they pay a 1% registration fee instead of 2% when all buyers are women and the property value is ₹10 lakh or less (G.O. Ms. No. 77, April 2025).
What is the stamp duty for a gift deed to a family member?
A settlement or gift to a family member attracts 1% stamp duty capped at ₹40,000, plus a 1% registration fee capped at ₹10,000. A gift to a non-family member is charged like a sale at 7% plus 2%.
Is stamp duty charged on the guideline value or the sale price?
On whichever is higher. If you buy below the guideline value, you still pay duty on the guideline value. Check the guideline value on TNREGINET before signing the deed.
Can I pay stamp duty online in Tamil Nadu?
Yes. Stamp duty and registration fee are paid online through the e-payment option on TNREGINET when you prepare the document for registration.