Stamp Duty Calculation Formula
📊 Formula
Stamp Duty = Property Value × Duty Rate
Where Property Value = Higher of (Transaction Price, Circle Rate Value)
Duty Rate: 6% for men, 4% for women, 5% for joint (M+F)
Calculation Examples
| Property | Value | Male Owner | Female Owner | Savings |
|---|---|---|---|---|
| 1 BHK Mehrauli | ₹25 Lakh | ₹1.75L (7%) | ₹1.25L (5%) | ₹50,000 |
| 2 BHK Mehrauli | ₹45 Lakh | ₹3.15L (7%) | ₹2.25L (5%) | ₹90,000 |
| 3 BHK Chattarpur | ₹75 Lakh | ₹5.25L (7%) | ₹3.75L (5%) | ₹1,50,000 |
| Floor Saket | ₹1.5 Crore | ₹10.5L (7%) | ₹7.5L (5%) | ₹3,00,000 |
*Includes 1% registration fee
How to Save on Stamp Duty
- Register in woman's name — Saves 2% (most effective method)
- Don't over-declare value — Pay on circle rate if your price is lower
- Check for concessions — Ex-servicemen, SC/ST categories may get rebates
- Time your purchase — Government occasionally announces stamp duty reductions
South Delhi Circle Rates
Circle rates determine the minimum value for stamp duty calculation. Check our detailed stamp duty guide for area-wise circle rates.
✅ Key Takeaway
On a ₹50 lakh property, registering in a woman's name saves ₹1 lakh in stamp duty. This is the easiest legal way to reduce your property purchase costs.
Frequently Asked Questions
How do I calculate stamp duty in Delhi?
Stamp duty = Higher of (Sale price or Circle rate value) × Rate (4% for women, 6% for men). Add 1% registration fee for total cost.
What is circle rate?
Circle rate is the minimum property value set by the government for each area. Stamp duty is calculated on the higher of circle rate or actual sale price.
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