If you’re planning to buy property in Delhi, it’s essential to understand the stamp duty and registration charges involved. These are mandatory fees that add to your overall property cost. This guide will help you navigate these charges effectively.
What Are Stamp Duty and Registration Charges?
Stamp duty is a tax levied by the Delhi government on property transactions. It legalizes the ownership transfer and is calculated based on the property’s value. Housiey
Registration charges are fees paid to officially record the property transaction with the government. This process ensures your ownership is legally recognized. Housiey
Current Rates in Delhi (2025)
As of 2025, the rates are as follows:
Stamp Duty:
- Male buyers: 6%
- Female buyers: 4%
- Joint ownership: 5%
In NDMC areas:
- Male buyers: 5.5%
- Female buyers: 3.5%
In Delhi Cantonment Board areas:
- Fixed at 3%
Registration Fee:
- 1% of the property’s value, plus a ₹100 pasting fee
How to Calculate These Charges
Use the higher of the property’s actual sale price or the circle rate (minimum value set by the government). Hero FinCorp
Example 1:
- Property value: ₹50,00,000
- Buyer: Male
- Stamp Duty: ₹3,00,000 (6%)
- Registration Fee: ₹50,000 (1%) + ₹100
- Total: ₹3,50,100
Example 2:
- Property value: ₹75,00,000
- Buyer: Female
- Stamp Duty: ₹3,00,000 (4%)
- Registration Fee: ₹75,000 (1%) + ₹100
- Total: ₹3,75,100
Additional Charges
Transfer Duty:
- Male buyers: 4%
- Female buyers: 3%
Gift Deed Stamp Duty:
- Blood relatives: 0.5%
- Others: Standard rates apply
Partition Deed:
- 2% of the divided share’s value
Lease Deed (over 30 years):
- 5% of the total lease value
Required Documents
- Sale deed
- Proof of TDS payment
- No-objection certificate (NOC)
- ID and address proofs of buyer, seller, and witnesses
- Two passport-sized photographs of buyer and seller
- E-stamp paper with correct stamp duty value
- Self-attested PAN card copy or Form 60
- E-registration fee receipt
Payment Methods
Online:
- Visit the SHCIL website.
- Select Delhi as the state.
- Enter property and buyer details.
- Choose a payment method (Net Banking, Debit/Credit Card).
- Download the e-stamp certificate after payment.
Offline:
- Visit an Authorized Collection Center (ACC) of SHCIL.
- Provide property and personal details.
- Pay via cash, demand draft, or cheque.
Tax Benefits
Under Section 80C of the Income Tax Act, you can claim deductions up to ₹1.5 lakh for stamp duty and registration charges paid on residential property.
Tips to Save on Charges
- Consider joint ownership with a female family member to avail reduced stamp duty rates.
- Opt for property transfers via gift deeds in blood relations to benefit from lower stamp duty.
- Ensure the property’s declared value aligns with the circle rate to avoid penalties.
- Stay updated on any government subsidies or exemptions that may apply.
Understanding these charges helps in better financial planning when purchasing property in Delhi. Always consult with legal and financial experts to ensure compliance and to make informed decisions.
