Is stamp duty charged on the sale price or the guideline value?

On whichever is higher. If you buy a flat for Rs 50 lakh but the guideline value is Rs 55 lakh, both charges are computed on Rs 55 lakh. Check the guideline value for the survey number on the TNREGINET portal before budgeting.

Can I pay Tamil Nadu stamp duty online?

Yes, through the TNREGINET portal via e-stamping, or at authorised banks and franking centres. The document is then registered at the sub-registrar office.

Are gift, settlement and partition deeds taxed the same as a sale?

No. Family settlements, partitions and gifts to specified family members attract much lower, capped rates than a sale, while a gift to a non-family member is generally taxed like a sale. Confirm the exact rate for your deed type on TNREGINET or with the sub-registrar.

TN Stamp Duty Calculator — 7% + 4% Registration (Tamil Nadu)

Q: What is the stamp duty in Tamil Nadu?

For a sale deed, stamp duty is 7% of the property value plus a 4% registration fee, about 11% in total. It is charged on the higher of the sale price and the government guideline value.

Q: Do women buyers get a stamp duty concession in Tamil Nadu?

From 1 April 2025, women buyers get a 1% relaxation on the registration fee (3% instead of 4%) for property valued below Rs 10 lakh. Above that value the standard 4% registration applies.

Q: Is stamp duty covered by a home loan?

Usually not. Most lenders fund only the property cost, so you should keep the roughly 11% of stamp duty and registration ready as cash over and above the price.

TN Stamp Duty & Registration Calculator (Sale Deed)

Property value — higher of sale or guideline value (Rs) Buyer

Stamp duty (7%)—

Registration fee—

Total payable—

For a sale/conveyance deed. Other deeds (gift, settlement, partition, mortgage, lease) have different rates — see below. Confirm on TNREGINET.

How Tamil Nadu stamp duty and registration work

When you buy property in Tamil Nadu, two government charges make it legally yours: stamp duty and a registration fee. For a sale deed they add up to about 11% of the property value — a big, often-underestimated part of the buying budget. The calculator above gives both, and the rest of this page covers the value rule, the women concession, other deed types, and how to pay.

The rates for a sale deed

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

Which value is used — sale price or guideline value?

Both charges are computed on the higher of the actual sale price and the government guideline value (also called guidance value). So if you buy a flat for ₹50 lakh but the guideline value of that survey number is ₹55 lakh, you pay 11% on ₹55 lakh, not ₹50 lakh. Always check the guideline value first on the TNREGINET portal — it's the single biggest reason buyers under-budget their registration cost.

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. A woman buyer of a sub-₹10 lakh property pays 3% registration instead of 4%.

The women-buyer concession (from April 2025)

From 1 April 2025, women buyers get a 1% relaxation on the registration fee — 3% instead of 4% — for property valued below ₹10 lakh. Above that value, the standard 4% applies. The stamp duty itself stays 7%. The calculator applies this automatically when you select the woman-buyer option and the value is under ₹10 lakh.

Other deeds aren't taxed like a sale

A common, costly assumption is that every document attracts 7% + 4%. It doesn't — the deed type matters:

Gift to a non-family member — generally taxed like a sale (7% + 4%).
Family settlement, partition, and gift to specified family members — attract much lower, capped rates, which is why intra-family transfers are far cheaper than a sale. The exact percentage and cap depend on the deed and relationship.
Mortgage, lease and power of attorney — each have their own separate rates, often based on the loan amount, lease term or transaction value.

Because these vary by deed and keep changing, treat the sale-deed calculator as your reliable number and confirm the exact rate for any other deed type on TNREGINET or with the sub-registrar before you draft it.

How to pay and register (TNREGINET)

Check the guideline value for the survey number on TNREGINET so you know the true taxable value.
Pay stamp duty by e-stamping on TNREGINET, or through authorised banks and franking centres.
Book a slot and register the deed at the sub-registrar office with the parties and witnesses.
Keep cash ready: these charges are over and above the property price and most home loans don't fund them.

Buying in Tamil Nadu? Related tools

Size the plot first with the TN land unit converter, work out the ongoing municipal demand with the Chennai property tax calculator, and after you take possession, move the power connection with our TNEB name transfer guide. Funding the purchase with a loan? Our partner site explains the real cost of a home loan beyond the EMI, including charges like these.

Frequently asked questions

What is the stamp duty in Tamil Nadu?

For a sale deed, 7% stamp duty + 4% registration — about 11% — on the higher of sale price or guideline value.

Is it on the sale price or guideline value?

On whichever is higher. Check the guideline value on TNREGINET before budgeting.

Do women get a concession?

From April 2025, 1% off registration (3% instead of 4%) for property under ₹10 lakh.

Can I pay online?

Yes — e-stamping on TNREGINET, or at authorised banks; then register at the sub-registrar office.

Is stamp duty covered by a home loan?

Usually not — keep the ~11% ready as cash over and above the price.

Are gift and partition deeds taxed like a sale?

No — family settlements, partitions and gifts to family attract much lower capped rates; a non-family gift is taxed like a sale. Confirm your deed's rate on TNREGINET.

About ComplyKraft. Built by Dinesh Kumar S in Chennai — B.Sc. Mathematics, M.Sc. IT. ComplyKraft makes free calculators and plain-language guides for Tamil Nadu citizens and everyday tasks.

Disclaimer: Educational and informational only. Stamp duty and registration rates, concessions and deed-specific charges are summarised for 2025-26 and can change. Always confirm the exact figure and the guideline value on the official TNREGINET portal or with the sub-registrar before registering.