How Tamil Nadu stamp duty and registration are calculated

When you buy property in Tamil Nadu, you pay two government charges to register it in your name: stamp duty and a registration fee. Together they add about 11% to the cost of the property, so they are a major part of your buying budget. The calculator above gives both from the property value.

The rates

Charge	Rate
Stamp duty	7% of value
Registration fee	4% of value
Total	11% of value

Which value is used?

Stamp duty is charged on the higher of the actual sale price or the government guideline value (also called guidance value). If you buy a flat for ₹50 lakh but the guideline value is ₹55 lakh, both charges are calculated on ₹55 lakh. Always check the guideline value for the survey number on the TNREGINET portal before budgeting.

A worked example

For a property valued at ₹50,00,000: stamp duty = 7% = ₹3,50,000; registration = 4% = ₹2,00,000; total ₹5,50,000.

Concessions and what to know

• From 1 April 2025, women buyers get a 1% relaxation on registration for property valued below ₹10 lakh (3% instead of 4%).
• Different rates apply to other deeds — gift, partition, mortgage, lease and power of attorney each have their own stamp duty.
• Pay online via TNREGINET e-stamping, or through authorised banks and franking centres.
• These charges are over and above the property price and are not part of a home loan in most cases — keep cash ready.

Frequently asked questions

What is the stamp duty in Tamil Nadu?

7% of the property value, plus a 4% registration fee — about 11% in total.

Is stamp duty on sale price or guideline value?

On whichever is higher — the sale price or the government guideline value.

Do women get a concession?

From April 2025, a 1% relaxation on registration for property below ₹10 lakh.

Can I pay stamp duty online?

Yes, through the TNREGINET portal via e-stamping, or at authorised banks.

Is stamp duty covered by a home loan?

Usually not — most lenders fund only the property cost, so plan for the 11% separately.

Source: Tamil Nadu Registration Department and TNREGINET (rates 2025-26). Rates and concessions can change — confirm on TNREGINET before registering. ComplyKraft is independent; this is not professional advice.