Stamp Duty and Registration Charges in Delhi
When in the capital city of Delhi and planning to buy a property, there are many financial and legal considerations. The key legal requirements include stamp duty and registration charges. These are some major charges that are mandatory and levied by the government to ensure a legal verification of property transactions. Read this blog and know everything about stamp duty in Delhi and how a Loan Against Property is helpful for you.
What is the Stamp Duty in Delhi?
Stamp duty in Delhi is a tax levied by the state government on property transactions to provide legal validity to property documents. You must know that this rate depends on factors like gender, property type, and ownership status.
- For male buyers: 6% of the property value
- For female buyers: 4% of the property value
- For joint ownership: 5% of the property value
It is one of the key Delhi property registration charges and is calculated based on the circle rate (minimum property value set by the government) or the actual transaction value, whichever is higher.
Stamp Duty and Registration Charges in Delhi in 2025
As of 2025, the stamp duty and registry charges in Delhi are as follows:
| Buyer Type | Stamp Duty Rate | Registration Fee |
|---|---|---|
| Male | 6% | 1% of the total value of Sale Deed + Rs. 100/- pasting charge. |
| Female | 4% | 1% of the total value of Sale Deed + Rs. 100/- pasting charge. |
| Joint Ownership | 5% | 1% of the total value of Sale Deed + Rs. 100/- pasting charge. |
For example, if a male buyer purchases a property valued at Rs 50 Lakh, the charges will be:
- Stamp Duty: Rs 3,00,000 (6% of Rs 50 lakhs)
- Registration Fee: Rs 50,000 (1% of Rs 50 lakhs)
- Total Charges: Rs 3,50,000
Also Read: Decoding Stamp Charges: Meaning, Rates, and Much More
How to Calculate the Stamp Duty and Registration Charges in Delhi?
In order to compute the stamp duty and registration fees in Delhi, the following formula can be used:-
- Stamp Duty = Property Value × Applicable Stamp Duty Rate
- Registration Fee = Property Value × 1%
Example= For a female buyer purchasing a property worth Rs 75 Lakhs:
- Stamp Duty: Rs 75,00,000 × 4% = Rs 3,00,000
- Registration Fee: Rs 75,00,000 × 1% = Rs 75,000
- Total Payment: Rs 3,75,000
Stamp Duty in Delhi for Various Deeds
Stamp duty rates vary based on the type of deed:
| Type of Deed | Stamp Duty in Urban Areas | Stamp Duty in Rural Areas |
|---|---|---|
| Sale Deed | 6% (Male), 4% (Female) | 4% (Male), 3% (Female) |
| Gift Deed | 2% | 1% |
| Exchange Deed | 6% on higher property value | 4% on higher property value |
| Lease Deed (above 30 years) | 5% on total lease value | 3% on total lease value |
| Partition Deed | 1% of the divided share value | 0.5% of the divided share value |
| Mortgage Deed | 3% of the loan amount | 2% of the loan amount |
| Settlement Deed | 2% | 1% |
| Trust Deed | ₹500 | ₹500 |
Also Read: Stamp Duty and Property Registration Charges in Haryana
Documents for Property Registration in Delhi
- Sale deed.
- Proof of TDS payment.
- No-objection certificate (NOC), in case of plot or land.
- ID proofs of the buyer, seller and witnesses.
- Address proofs of the buyer, seller and witnesses.
- Two passport-sized photographs of the buyers and sellers on two copies of documents.
- Identity and address proof of two witnesses.
- e-Stamp paper with the correct value of stamp duty.
- Self-attested copy of PAN card or Form 60
- e-Registration fee receipt of registration fee with undertaking/affidavit.
- All original documents with one set of copies.
Ensuring all documents are ready before the registration process avoids delays.
Transfer Charge on Property Registration in Delhi 2025
In addition to stamp duty, a transfer duty is applicable in Delhi:
- For male buyers: 4% of the property value
- For female buyers: 3% of the property value
These charges are payable at the time of property registration.
Also Read: Stamp Duty And Registration Charges In Punjab
How to Pay Stamp Duty and Registration Fees in Delhi?
There are two modes to pay stamp duty and registration fees - online or offline:
Online Registration:
- Visit the Stock Holding Corporation of India Limited (SHCIL) website.
- Select Delhi as the state.
- Provide the needed details for the property and buyer.
- Choose a payment method (Net Banking, Debit/Credit Card, etc.).
- Generate and download the e-stamp certificate upon successful payment.
Offline Registration:
- The offline process begins with you visiting an Authorised Collection Center (ACC) of SHCIL.
- Give your property and personal details.
- Do the payment via cash, demand draft, or cheque.
Also Read: Stamp Duty and Registration Charges in Pune
Factors that Affect Stamp Duty Charges in Delhi
Several factors that influence the stamp duty and registration charges in Delhi are as follows:
- Property Location: The location of the property also plays a key role in stamp duty charges in Delhi. When the property possesses a good infrastructure level it can lead to higher charges and fees. Overall, the higher the property value, the higher the charge.
- Property Type: The next factor is the nature of the property as it also impacts the stamp duty charge. For example, commercial/industrial properties can be expected to attract higher rates when compared to residential properties. It is because they generate more income and have higher market values.
- Gender of the Owner: As seen in the above sections, women buyers are able to receive a concession on stamp duty charges. This initiative not only promotes financial independence among women but also reduces the overall cost of purchasing a property for female buyers.
- Usage Purpose: It means the purpose for which the property is being used. For example, residential and agricultural properties generally have lower charges. On the other hand, commercial and industrial properties attract higher fees due to their potential for business profits and commercial usage.
Also Read: Circle Rate in India: Everything You Need to Know About Circle Rate
Tax Deductions on Stamp Duty and Property Registration Charges in Delhi
It is also an important benefit that the stamp duty and registration charges come under the tax deductions as per Section 80C of the Income Tax Act.
| Tax Benefit | Deduction Limit |
|---|---|
| Section 80C Deduction | Up to Rs 1.5 Lakh |
| Applicable To | Individual taxpayers |
Please note that these deductions apply only to residential property purchases and not to commercial properties.
Conclusion
Now that you have understood everything about the stamp duty and registration charges in Delhi, it will be easier for you to buy a property in Delhi. It is important to know that these charges are mandatory for all buyers and add to the total property price. However, homebuyers can reduce the financial burden through tax deductions under Section 80C.
For financial assistance, consider taking out a Loan Against Property (LAP) from Hero FinCorp. It can be a decent option to buy properties without straining your property. You can use your property’s value to secure funds at competitive interest rates, making homeownership more affordable.
Frequently Asked Questions
1. What is the stamp duty circle rate in Delhi?
Stamp duty is calculated based on the higher of the transaction value or the government’s prescribed circle rate.
2. What is the stamp duty on settlement in Delhi?
In Delhi, the stamp duty on property varies as per the type of transfer. Although the rates are similar to those of sale deeds.
3. Is GST applicable on stamp duty?
There is no GST applied on stamp duty as it is a state-imposed tax.
4. Is stamp duty refundable in Delhi?
The stamp duty refund can be claimed within 6 months of the stamp purchase by providing all the major documents as needed.
5. What is the validity of stamp paper in Delhi?
There is no particular validity and stamp papers are valid indefinitely unless used in a transaction.
6. Can we use old stamp paper?
Yes, unused stamp papers remain valid if they are not time-barred as per state laws.
7. Is stamp duty and stamp paper the same?
No, stamp duty is the tax paid, while stamp paper is a legal document.
8. What is the stamp duty for a trust deed in Delhi?
Stamp duty for a trust deed varies based on the type of trust and the property involved.