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Updated 2026 stamp duty and registration rates for Kerala — 8% male / 8% female + 2% registration. Pre-computed amounts for sample property values across Thiruvananthapuram, Kochi, Kozhikode, Thrissur and all districts.
Pre-computed stamp duty + registration costs across typical Kerala property prices.
| Property Value | Stamp Duty (Male) | Stamp Duty (Female) | Registration | Total (Male) |
|---|---|---|---|---|
| ₹25 Lakh | ₹2,00,000 | ₹2,00,000 | ₹50,000 | ₹27,50,000 |
| ₹50 Lakh | ₹4,00,000 | ₹4,00,000 | ₹1,00,000 | ₹55,00,000 |
| ₹75 Lakh | ₹6,00,000 | ₹6,00,000 | ₹1,50,000 | ₹82,50,000 |
| ₹1 Crore | ₹8,00,000 | ₹8,00,000 | ₹2,00,000 | ₹1,10,00,000 |
| ₹1.5 Crore | ₹12,00,000 | ₹12,00,000 | ₹3,00,000 | ₹1,65,00,000 |
| ₹2 Crore | ₹16,00,000 | ₹16,00,000 | ₹4,00,000 | ₹2,20,00,000 |
The same Kerala state-wide rates apply across all districts and major cities.
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Kerala charges stamp duty at 8% for male buyers and 8% for female buyers, plus 2% as registration charges. Both genders pay the same rate — the gender-concession nudge is not part of Kerala's framework.
Stamp duty is calculated on the higher of (a) the agreement value and (b) the government-prescribed circle/guideline value. Always cross-check the sub-registrar's office circle rate for the specific locality before finalising your stamp duty payment — circle rates differ by ward, sector, and even building age.
Kerala charges 8% stamp duty plus 2% registration — among the highest combined rates at 10%. No gender concession. Rates apply uniformly across urban and rural property.
When you buy a Kerala property, the visible sticker price is only part of the spend. Stamp duty (8-8%), registration (2%), legal/notary fees (~₹15-25K), brokerage (1-2% if applicable), and home-loan processing fees (0.5-1% of loan amount) typically add 10.0-13.0% on top.
Use this page to estimate stamp duty + registration. Pair it with the EMI Calculator to plan loan EMIs, and the Income Tax Calculator to claim Section 24(b) home loan interest deduction (up to ₹2 lakh) and 80C principal repayment (up to ₹1.5 lakh).
For NRI buyers, additional steps apply: TDS (1% of property value above ₹50 lakh under Section 194-IA), repatriation rules, and FEMA compliance. Stamp duty rates remain the same as for resident buyers — no NRI-specific surcharge.
Step 1 — Determine the higher of agreement value and circle/guideline value. Step 2 — Apply the relevant rate (8% or 8% depending on buyer gender). Step 3 — Add 2% registration. Step 4 — Add Kerala-specific surcharges or local body taxes if applicable.
Example: For a ₹1 crore property in Kerala registered in a male buyer's name, stamp duty = ₹8,00,000, registration = ₹2,00,000, total acquisition cost = ₹1,10,00,000. For the same property registered in a female buyer's name: total = ₹1,10,00,000.
For values not in the table above, use the live calculator linked at the top of this page — it accepts any property value and applies the Kerala rates instantly.