by Deepak Sawant 
Property Stamp Duty Registration Charges & Agent Commission Across India (2025)
Overview
When purchasing a property in India, you must account for three major transaction costs: stamp duty (state tax on property transfer), registration fees (legal registration charges), and agent commission (brokerage fees). These combined charges typically range from 4.15% to 12.1% of the property value, depending on the location and buyer’s gender.
Stamp Duty Rates Across All States
Stamp duty ranges significantly across India:
- Lowest: Ladakh at 4% (male) / 2% (female)
- Highest: Meghalaya at 9.9% (male) / 8% (female)
- Most Common Range: 5-6% for male buyers in major states
The variation reflects each state’s revenue policies and economic priorities. Female buyers receive statutory concessions in nearly all states, ranging from 1% to 3% discount compared to male buyers.
Northern & Central India
- Delhi: 6% (male) / 4% (female)
- Haryana: 6% (male) / 4% (female)
- Punjab: 6% (male) / 3% (female) — Progressive female benefits
- Uttar Pradesh: 7% (male) / 4% (female)
- Rajasthan: 5% (male) / 3% (female)
- Madhya Pradesh: 7.5% (male) / 5.5% (female)
- Ladakh: 4% (male) / 2% (female) — Lowest in India
Western & Southern India
- Maharashtra (Mumbai): 6% (male) / 5% (female); other cities charge 7%
- Gujarat: 4.9% (male) / 3% (female) — Business-friendly
- Karnataka (Bangalore): 5% (male) / 3% (female)
- Tamil Nadu: 8% (male) / 7% (female)
- Kerala: 8% (male) / 6% (female)
- Telangana: 5% (male) / 3% (female)
- Andhra Pradesh: 5% (male) / 3% (female)
Eastern & Northeastern States
- West Bengal: 6% (male) / 4% (female)
- Assam: 8% (male) / 6% (female)
- Meghalaya: 9.9% (male) / 8% (female) — Highest in India
- Goa: 8% (male) / 6% (female)
Registration Charges
Registration fees are remarkably consistent across India at 1% of the property value, with maximum caps varying by state:
| Cap Amount | States |
| ₹60,000 (Highest) | Andhra Pradesh |
| ₹50,000 | Haryana |
| ₹40,000 | Tamil Nadu |
| ₹30,000 | Delhi, Maharashtra, West Bengal, Madhya Pradesh |
| ₹25,000 | Karnataka, Gujarat, Most other states |
| ₹15,000 (Lowest) | Ladakh, Sikkim, Mizoram, Tripura, Lakshadweep |
Example: For a ₹1 Crore property:
- In Delhi: Registration fee = 1% of ₹1 Cr = ₹1 lakh (capped at ₹30,000) = ₹30,000
- In Bangalore: Registration fee = 1% of ₹1 Cr = ₹1 lakh (capped at ₹25,000) = ₹25,000
- In Ladakh: Registration fee = 1% of ₹1 Cr = ₹1 lakh (capped at ₹15,000) = ₹15,000[3]
Real Estate Agent Commission Charges
Agent commission in India is NOT regulated by the government and varies by market conditions:
Standard Commission Rates
- Major Metro Cities (Mumbai, Delhi, Bangalore): 1-2% from each party
- Tier-2 Cities: 1.5-2% typical range
- Tier-3 & Smaller Towns: 2-6% (higher rates to compensate for lower property values)
- Gurgaon: Typically 1% or less (competitive market)
For a ₹1 Crore property in Mumbai:
- Seller’s Agent (2%): ₹1 Cr × 2% = ₹2,00,000
- Buyer’s Agent (2% if separate): ₹1 Cr × 2% = ₹2,00,000
- Total: ₹4,00,000 (4% of property value)
For a ₹50 Lakh property in Mumbai:
- Seller’s Agent (2%): ₹50 L × 2% = ₹1,00,000
- Total: ₹1,00,000 (2% of property value)
- Timing: Paid only upon successful completion of sale
- Payment Source: Typically from seller’s proceeds, though negotiable
- Negotiability: NOT fixed; can be reduced for high-value properties
- GST: 18% GST is applicable on agent commission[4]
Detailed Transaction Cost Examples
Total Transaction Costs for ₹1 Crore Property Purchase Across India
₹1 Crore Property Purchase Comparison:
Mumbai (Maharashtra) – Male Buyer
- Stamp Duty (6%): ₹6,00,000
- Registration Fee: ₹30,000 (capped)
- Agent Commission (2%): ₹2,00,000
- Total: ₹8,30,000 (8.3% of property value)
Mumbai (Maharashtra) – Female Buyer (Same Property)
- Stamp Duty (5%): ₹5,00,000
- Registration Fee: ₹30,000
- Agent Commission (2%): ₹2,00,000
- Total: ₹7,30,000 (7.3% of property value)
- Savings vs Male: ₹1,00,000
Delhi – Female Buyer
- Stamp Duty (4%): ₹4,00,000
- Registration Fee: ₹30,000
- Agent Commission (2%): ₹2,00,000
- Total: ₹6,30,000 (6.3% of property value)
Bangalore (Karnataka) – Female Buyer
- Stamp Duty (3%): ₹3,00,000
- Registration Fee: ₹25,000 (capped)
- Agent Commission (2%): ₹2,00,000
- Total: ₹5,25,000 (5.25% of property value)
Gujarat – Female Buyer
- Stamp Duty (3%): ₹3,00,000
- Registration Fee: ₹25,000
- Agent Commission (2%): ₹2,00,000
- Total: ₹5,25,000 (5.25% of property value)
Ladakh – Female Buyer (Lowest Costs)
- Stamp Duty (2%): ₹2,00,000
- Registration Fee: ₹15,000 (capped)
- Agent Commission (2%): ₹2,00,000
- Total: ₹4,15,000 (4.15% of property value)
Meghalaya – Female Buyer (Highest Costs)
- Stamp Duty (8%): ₹8,00,000
- Registration Fee: ₹20,000
- Agent Commission (2%): ₹2,00,000
- Total: ₹10,20,000 (10.2% of property value)
Breakdown of Transaction Costs – ₹1 Crore Property (Male Buyer)
Comparative Cost Summary (₹1 Crore Property)
| State | Male Buyer Total | Female Buyer Total | Difference | Male Total % | Female Total % |
| Ladakh | ₹6,15,000 | ₹4,15,000 | ₹2,00,000 | 6.15% | 4.15% |
| Gujarat | ₹7,15,000 | ₹5,25,000 | ₹1,90,000 | 7.15% | 5.25% |
| Bangalore | ₹7,25,000 | ₹5,25,000 | ₹2,00,000 | 7.25% | 5.25% |
| Delhi | ₹8,30,000 | ₹6,30,000 | ₹2,00,000 | 8.30% | 6.30% |
| Mumbai | ₹8,30,000 | ₹7,30,000 | ₹1,00,000 | 8.30% | 7.30% |
| Meghalaya | ₹12,10,000 | ₹10,20,000 | ₹1,90,000 | 12.10% | 10.20% |
Additional Charges Beyond Stamp Duty & Registration
Property transactions often involve these additional costs that should be budgeted:[2][7]
| Charge | Amount | Purpose |
| Legal Verification | ₹5,000 – ₹15,000 | Title verification by lawyer |
| Property Valuation | ₹2,000 – ₹10,000 | For loan appraisal |
| Documentation Charges | ₹2,000 – ₹5,000 | Notary, copies, scanning |
| Franking Charges | ₹500 – ₹2,000 | Stamp document costs |
| Document Transfer | ₹1,000 – ₹3,000 | Recording and filing |
Key Insights & Recommendations
Best States for Buyers (Lowest Total Costs):
- Ladakh: 4.15% (female) to 6.15% (male) — Lowest in India
- Gujarat: 5.25% (female) to 7.15% (male) — Business-friendly policies
- Bangalore/Karnataka: 5.25% (female) to 7.25% (male) — IT hub incentives
- Telangana: Competitive rates similar to Karnataka
Most Expensive States (Highest Total Costs):
- Meghalaya: 10.2% (female) to 12.1% (male)
- Assam: 9-10% range
- Kerala & Tamil Nadu: 8-9% range
Gender-Based Benefits (Largest Discounts):
- Punjab: 3% discount (Female: 3% vs Male: 6%)
- Uttar Pradesh: 3% discount (Female: 4% vs Male: 7%)
- Delhi: 2% discount (Female: 4% vs Male: 6%)
- Bangalore/Karnataka: 2% discount (Female: 3% vs Male: 5%)
Commission Negotiation Tips:[5][6]
- Higher-value properties (above ₹1 Crore): Negotiate 1% or lower
- Bulk or multiple purchases: Request reduced rates
- Metro vs smaller cities: Commission varies; compare before engaging agent
- GST impact: Remember 18% GST adds to agent commission cost
- All rates are current as of November 2025 and subject to state-level changes
- Ready Reckoner Rates (government-assessed market values) are used if higher than transaction value
- Rural and tribal areas often offer lower rates
- Metro cess (1%) is added in certain Maharashtra cities
- Rates vary between urban (municipal), municipal council, and gram panchayat areas
- Commercial properties may have different rates than residential
- Non-resident Indian (NRI) buyers may face additional compliances but same stamp duty
- Power of Attorney, Gift Deeds, and Lease Agreements have different rate structures
⁂
- https://www.basichomeloan.com/blog/home-loans/stamp-duty-in-different-indian-states
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- https://www.nobroker.in/forum/what-is-real-estate-broker-commission/
- https://ashwinderrsingh.com/blog/how-does-real-estate-commission-work-explained
- https://promesarealty.com/decoding-real-estate-brokerage-in-india-understanding-fees-agreements-what-to-expect/
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- https://housewise.in/blog/stamp-duty-registration-charges-2025/
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- https://tnswp.com/DIGIGOV/StaticAttachment?AttachmentFileName=%2Fpdf%2FTax_rules%2FStamps_and_Registration_Fee.pdf
- https://www.bankbazaar.com/home-loan/property-registration-charges-in-india.html
- https://housing.com/news/stamp-duty-on-property-registration-in-india/
