NRI Property HubStamp Duty & Registration Calculator
The charge every buyer forgets until registration day. See what stamp duty and registration add on top of the price in Gujarat or Kerala, including the concession Gujarat gives a woman buying in her own name. Runs in your browser; nothing you type is sent anywhere.
Stamp Duty & Registration Calculator
Gujarat & KeralaIndicative estimates, not legal or tax advice. Rates are set by each state and revised in state budgets; confirm the current figure and the government valuation for your property before you commit.
What you actually pay: Gujarat and Kerala
Stamp duty and registration are the two state charges you pay to record the sale in your name. They are one-time, paid at registration, and they sit on top of the price, not inside it. The rate depends entirely on the state, and the gap is large: Gujarat is one of the cheaper states, Kerala one of the more expensive.
| State and buyer | Stamp duty | Registration | Total |
|---|---|---|---|
| Gujarat, male or joint owner | 4.9% | 1% | 5.9% |
| Gujarat, female sole owner | 3.9% | 0% | 3.9% |
| Kerala, any buyer | 8% | 2% | 10% |
Indicative rates, verified July 2026 against state registration guidance (Gujarat: Inspector General of Registration / Garvi; Kerala: Registration Department). Rates change in state budgets, so confirm the current figure before you commit.
How the charge is calculated
Two points decide the number. First, the rate, from the table above. Second, the value it applies to, which is the higher of your actual price or the government's benchmark valuation, the jantri rate in Gujarat and the fair value in Kerala. Buy below the benchmark and duty is still charged on the benchmark, so look up the official valuation for the property, not just the price you negotiated.
Gujarat's concession for a woman buying in her sole name is unusually generous: a lower 3.9% stamp duty and a full waiver of the 1% registration fee, so a solo female buyer pays 3.9% where a male or joint buyer pays 5.9%. The waiver applies only to sole female ownership; add a male co-owner and the standard rate returns.
The NRI angle
Stamp duty does not change because you are an NRI, it is a charge on the property, not on you, so you pay the same rate as a resident buying in that state. What matters for a non-resident is that these charges are not usually part of your home loan. A lender finances a share of the property value and leaves stamp duty and registration to you, in cash, at registration. Our home loans for NRIs guide covers what the loan does and does not cover, and the eligibility calculator sizes the loan itself.
Fund the duty the same clean way you fund the price, through your NRE or NRO account, so the whole purchase stays traceable for repatriation later. For the full picture of buying from abroad, see can an NRI buy property in India, and for the local price bands these percentages apply to, our city guides for Surat, Ahmedabad and Kochi.
Quick answers
How much is stamp duty in Gujarat?
How much is stamp duty in Kerala?
Is stamp duty different for NRIs?
Does a home loan cover stamp duty?
What value is stamp duty charged on?
How we researched this calculator
We write this calculator from primary sources first: the bodies that actually make, administer or enforce the rules described above, rather than second-hand summaries of them. Where this page states a rate, a threshold, a form number or a deadline, it is traced back to one of the following, and the full list below records which claim each source supports.
- Superintendent of Stamps and Registration, Government of Gujarat
- Registration Department, Government of Kerala
- Reserve Bank of India
Rules in this area change, sometimes mid-year. We re-check tax and foreign-exchange pages after each Union Budget and Finance Act, and we date every page with the last review rather than the last deploy. Our editorial policy sets out the method in full, and our corrections policy explains how to tell us if something here has gone out of date.
Sources & references
- Garvi - Gujarat property registration portalSuperintendent of Stamps and Registration, Government of GujaratGujarat's stamp duty and registration schedule, including the female-buyer registration-fee waiver, and the jantri value the duty is charged on.
- Registration Department, Kerala (stamp duty and fee ready reckoner)Registration Department, Government of KeralaKerala's stamp duty and registration fee schedule, published as the department's ready reckoner.
- Purchase of Immovable Property (FAQs)Reserve Bank of IndiaThat an NRI pays the same stamp duty and registration charges as a resident buyer, with no non-resident surcharge.
About this calculator
NRI Property Hub creates independent guides and decision tools for Indians living abroad who are researching property in India. We are not a broker, developer, bank or adviser, and we take no commission on any transaction.
Our research prioritises relevant official government, regulatory, tax, banking and RERA sources where applicable. This page is educational information, not legal, tax, investment or financial advice; for a decision that turns on your own circumstances, check the position with a qualified professional.
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