IndCalc
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State-wise India stamp duty and registration charges (Maharashtra, Karnataka, Delhi, TN, UP, GJ and 12+ more) plus USA closing-cost estimator. Gender concessions and total acquisition cost included.
Buyers usually budget for the sticker price and forget that 5–8% extra goes into duties, charges, and closing costs. Knowing the all-in cost up front prevents nasty surprises at registration or closing.
Direct landing pages for each state with rates, formula, sample property tables, and FAQs.
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Stamp duty is a state-level tax paid to legally register property transactions and is calculated as a percentage of the higher of the agreement value or the government-prescribed circle/ready-reckoner rate. The percentage varies meaningfully across states — Maharashtra charges 5–6%, Karnataka 5%, Delhi 4–6%, Tamil Nadu 7%, and Madhya Pradesh as high as 7.5%.
Several states offer reduced stamp duty for women buyers as a policy nudge for female ownership. Examples include Delhi (2% concession), Punjab (2%), Haryana (2%), Rajasthan (1%), and Odisha (1%). The concession applies if the property is registered solely in the woman's name; for joint registration, an averaged or proportional rate often applies.
Registration charges are a separate fee on top of stamp duty, usually 0.5% to 4% of property value. Together, the buyer's statutory burden in India typically ranges from 5% to 11% on top of the property price, which makes a meaningful difference in budgeting and home-loan top-ups.
Closing costs in the USA are a bundle of fees paid when ownership transfers. For buyers, they typically run 2–5% of the purchase price and include title insurance, transfer taxes, recording fees, inspection, appraisal, attorney fees (in attorney-state closings), and lender origination charges if a mortgage is involved.
Title insurance protects against undisclosed liens and ownership disputes. Owner's policy is a one-time premium of roughly 0.3% to 0.7% of property value. Lender's policy is required by most mortgage lenders and is usually negotiable.
Transfer taxes vary widely. Texas and Mississippi have no transfer tax. New York charges roughly 1.425% (mansion tax adds more above $1M). Delaware and Pennsylvania can exceed 2%. Always confirm with a local title company because city and county taxes can stack on top of state rates.
Stamp duty rates can change with state budgets — Maharashtra famously cut and restored rates during 2020–21 to stimulate the market. Always confirm the current rate from your state's registration department or sub-registrar office before transferring funds.
If buying jointly with a spouse where the female partner's state has a concession, register either solely in her name or as a 51:49 split (where allowed) to maximize the concession. Some states require minimum female ownership share for the lower rate to apply.
In the USA, ask your title company for a Loan Estimate (within 3 days of mortgage application) and a Closing Disclosure (3 days before closing). Compare line items between the two — fee creep is common, and you have the right to ask for clarification or negotiate.