Calculate stamp duty, registration fees and total property registration cost for India (state-wise), UK SDLT 2024, and UAE Dubai DLD.
A comprehensive, real-time stamp duty calculator for property buyers in India, the United Kingdom, and the UAE. Switch countries to see locally accurate rates: India supports the top 10 states with female-buyer rebates, urban/rural variations, and residential/commercial slabs; the UK applies 2024 SDLT brackets with first-time buyer relief and the 3% additional-property surcharge; the UAE shows the Dubai Land Department 4% transfer fee plus 0.25% mortgage registration. Outputs include stamp duty, registration fee, grand total, effective rate, and a stacked-bar visualization.
Stamp duty is a tax on the legal recognition of a property transfer. In India it is levied by individual states under the Indian Stamp Act and state-level Stamp Acts, with rates ranging from 4% in Telangana to 7% in states like Uttar Pradesh and Tamil Nadu. A separate registration fee (typically 1%) is also charged by the sub-registrar. In the United Kingdom, the equivalent is Stamp Duty Land Tax (SDLT), levied progressively in bands by HMRC. In the UAE, the Dubai Land Department charges a flat 4% transfer fee plus a 0.25% mortgage registration fee where applicable.
First-time buyers often underestimate the closing costs of a home purchase. Beyond the headline property price, you should budget for stamp duty (4-7% in India, 0-17% in the UK depending on bands and surcharges, 4% in Dubai), registration fees, legal and conveyancing fees, brokerage, GST on under-construction properties (1-5% in India), and society/maintenance deposits. Together these can add 8-15% to the sticker price.
Many Indian states offer concessional stamp duty when the property is registered in a woman name, as part of policies to promote female asset ownership. Delhi gives the steepest rebate (4% for women vs 6% for men), followed by Haryana (5% vs 7%) and Rajasthan (5% vs 6%). Maharashtra, UP, and Gujarat offer a 1% concession. On a property worth ₹1 crore in Delhi, registering in a woman name alone saves ₹2 lakh in stamp duty versus a male-only deed.
Stamp duty is a state subject under the Indian Constitution, so each state legislates its own Stamp Act and notifies its own rates. Rates typically range from 4% (Telangana) to 7% (UP, Tamil Nadu, Haryana). Rates also differ within a state by urban/rural area, gender of buyer, and residential vs commercial use.
Yes, several Indian states offer a 1-2% concession when the property is registered in a woman name (or jointly). Maharashtra, Delhi, Haryana, Rajasthan, UP, and Gujarat are among those offering this rebate. The discount is automatic on registration if the sale deed is in the female buyer name.
First-time buyers purchasing a residential property of £625,000 or less pay 0% SDLT on the first £425,000 and 5% on the portion from £425,000 to £625,000. If the price exceeds £625,000, the relief is lost entirely and the standard SDLT rates apply on the whole price.
Stamp duty is paid at the time of registering the sale deed with the sub-registrar (India), within 14 days of completion (UK SDLT), or at the Dubai Land Department on transfer day (UAE). Without payment, the deed is not legally valid and cannot be enforced as evidence of ownership.
Most lenders in India and the UAE will not finance stamp duty as part of the principal home loan — they typically fund only 75-90% of the property registered value, and stamp duty must be paid out of pocket. Some banks offer separate top-up or personal loans to cover registration costs. In the UK, SDLT must be paid in cash at completion and cannot be added to the mortgage.
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