Stamp duty, state by state.
The same ₹50 lakh flat costs ₹2,50,000 in stamp duty + registration in Sikkim (5%) but ₹6,62,500 in Assam (13.25%), a ₹4,12,500 gap. It can't be financed by your loan; it comes from savings.
The cost that isn't in your EMI
Every home buyer budgets for the down payment and the EMI. Far fewer budget for stamp duty, and it can be the difference between closing the deal and coming up short at the registrar's office. Stamp duty is a state tax on transferring the property into your name; registration is the fee to record it. Together they're due in cash, upfront, on top of your down payment, because a home loan can't cover them. On a ₹50 lakh flat that's anywhere from ₹2.50 L to ₹6.63 L depending purely on which state you're buying in.
Here's every state and union territory in our dataset, ranked from cheapest to most expensive by the combined rate. Rates shown are the standard non-agricultural, urban residential rates; many states add small municipal cesses, and metro/rural rates can differ.
| State / UT | Stamp | Reg. | Combined | On ₹50L |
|---|---|---|---|---|
| Sikkim | 4% | 1% | 5.0% | ₹2,50,000 |
| Meghalaya | 4.6% | 1% | 5.6% | ₹2,80,000 |
| Gujarat | 4.9% | 1% | 5.9% | ₹2,95,000 |
| Karnataka | 5% | 1% | 6.0% | ₹3,00,000 |
| Chandigarh UT | 5% | 1% | 6.0% | ₹3,00,000 |
| Mizoram | 5% | 1% | 6.0% | ₹3,00,000 |
| Tripura | 5% | 1% | 6.0% | ₹3,00,000 |
| Maharashtra | 6% | 1% | 7.0% | ₹3,50,000 |
| Delhi | 6% | 1% | 7.0% | ₹3,50,000 |
| West Bengal | 6% | 1% | 7.0% | ₹3,50,000 |
| Rajasthan | 6% | 1% | 7.0% | ₹3,50,000 |
| Odisha | 5% | 2% | 7.0% | ₹3,50,000 |
| Uttarakhand | 5% | 2% | 7.0% | ₹3,50,000 |
| Jharkhand | 4% | 3% | 7.0% | ₹3,50,000 |
| Manipur | 5% | 2% | 7.0% | ₹3,50,000 |
| Arunachal Pradesh | 6% | 1% | 7.0% | ₹3,50,000 |
| Telangana | 7.5% | 0.5% | 8.0% | ₹4,00,000 |
| Uttar Pradesh | 7% | 1% | 8.0% | ₹4,00,000 |
| Bihar | 6% | 2% | 8.0% | ₹4,00,000 |
| Punjab | 7% | 1% | 8.0% | ₹4,00,000 |
| Haryana | 7% | 1% | 8.0% | ₹4,00,000 |
| Himachal Pradesh | 6% | 2% | 8.0% | ₹4,00,000 |
| Jammu & Kashmir | 7% | 1% | 8.0% | ₹4,00,000 |
| Nagaland | 8.25% | 0% | 8.3% | ₹4,12,500 |
| Andhra Pradesh | 7.5% | 1% | 8.5% | ₹4,25,000 |
| Goa | 6% | 3% | 9.0% | ₹4,50,000 |
| Chhattisgarh | 5% | 4% | 9.0% | ₹4,50,000 |
| Kerala | 8% | 2% | 10.0% | ₹5,00,000 |
| Madhya Pradesh | 7.5% | 3% | 10.5% | ₹5,25,000 |
| Puducherry UT | 10% | 0.5% | 10.5% | ₹5,25,000 |
| Tamil Nadu | 7% | 4% | 11.0% | ₹5,50,000 |
| Assam | 5% | 8.25% | 13.3% | ₹6,62,500 |
Indicative 2026 standard urban residential rates compiled from state registration departments; confirm the current rate and any city cess with your sub-registrar before budgeting.
Three things the table reveals
1. Registration charges swing the total more than you'd think. Assam tops the list not because of a punishing stamp rate but because its registration charge stacks on heavily, proof that you must add both lines, never just the headline stamp percentage. 2. The women's rebate is real money. In 12 states, registering in a woman's name saves 1-2% (₹50,000-₹1,00,000 on this flat), which is why so many Indian families put the wife's or mother's name on the deed. 3. Your EMI is identical across states, your upfront cost is not. Two buyers with the same ₹50L flat and same loan pay the same monthly EMI whether they're in Sikkim or Assam, but one hands over ₹4,12,500 more at registration.