Stamp Duty in Delhi for Home Buyers: Rates, Fees and Costs
Contents
Stamp duty in Delhi is one of the biggest costs after the price of the home itself. On a ₹1 crore flat, a male buyer’s government charges can run to about ₹7 lakh. This guide explains what you pay, how the amount is worked out, and where the published information is unclear. It is written as of 20 October 2026.
It covers buying a home inside the National Capital Territory of Delhi. Noida, Gurugram, Ghaziabad and Faridabad are in other states and follow their own rules, which this article does not cover.
The short version
- The Delhi Revenue Department shows 6% for a male buyer and 4% for a female buyer. This is described as stamp duty and transfer duty combined.
- Joint male-female ownership is widely quoted at 5%. That figure is a commonly published average. We could not find it on the Revenue Department page.
- The registration fee is 1% of the value, plus a ₹100 pasting charge.
- Both are charged on the higher of your deal price or the circle-rate value.
- Stamp duty is paid through e-stamping. Delhi does not accept physical stamp paper for this.
- Rates in the NDMC area are reported differently by different sources. Confirm them before you rely on any figure.
Stamp duty rates in Delhi: 6%, 4% and 5%
The Revenue Department’s property registration page states that stamp duty and transfer duty is 4% if the buyer is a woman and 6% if the buyer is a man. The same rates apply to gift deeds. Another page on the department’s site says the duty is charged on the consideration amount or the circle rate, whichever is higher.
Many lenders and property portals also list 5% for joint ownership by a man and a woman. Treat that as the commonly quoted figure and confirm it with the sub-registrar. One legal-services source adds that a woman’s concession applies only to the share she holds, so the split of shares in the deed matters.
| Buyer type | Stamp duty (incl. transfer duty) | Registration fee | Pasting charge |
|---|---|---|---|
| Male buyer | 6% | 1% | ₹100 |
| Female buyer | 4% | 1% | ₹100 |
| Joint (male + female) | 5% (commonly quoted) | 1% | ₹100 |
These are the baseline figures for most of Delhi. Read the next section before you finalise your budget.
A caution: the extra 1% above ₹25 lakh
Several sources report an extra municipal transfer duty for properties valued above ₹25 lakh in the Municipal Corporation of Delhi (MCD) area. One legal calculator says transfer duty in the MCD area was raised by a Gazette notification dated 10 July 2023, and notes that the Revenue Department’s page still shows the older combined figures. Property sites then quote an all-in cost of about 8% for men and 6% for women.
Other sources describe the same levy as unconfirmed. One calculator says it found no official notification for it. Another says reporting on the rate has varied. We could not verify the position from an official source, so we cannot tell you which reading is right.
Practical step: before you sign the agreement, ask the sub-registrar’s office or your conveyancing lawyer for the exact duty on your property and deed. Keep a cushion of 1% of the value in your budget until you have that figure.
The 1% registration fee
Registration is separate from stamp duty. The Revenue Department says the fee is 1% of the consideration or circle-rate value, whichever is higher, plus ₹100 as a pasting fee. It is the same for male, female and joint buyers. One source notes that there is no ceiling on the fee, so a high-value home pays 1% of its whole value.
Flat fees apply to some other documents. A relinquishment deed, a lease of immovable property and a power of attorney each carry ₹1,000 plus the ₹100 pasting fee. A sale deed uses the 1% calculation.
The circle-rate floor
The circle rate is the government’s minimum value for a property in a given area. If your price is lower than the circle-rate value, duty is still calculated on the circle-rate value. If your price is higher, duty is calculated on your price.
Delhi sorts colonies into categories A to H. Based on the 2014 notification, residential land is valued at about ₹7,74,000 per sq m in Category A and about ₹23,280 per sq m in Category H. For flats, the circle value depends on the plinth area. It also depends on whether the building is in a private colony, where a multiplier applies.
Is a new circle rate coming?
As of mid-October 2026, secondary sources say Delhi is still using the rates notified in September 2014. They report that a review committee was announced in June 2025 and that a hike of up to 35% and a new A+ category have been discussed. One source reported no revised notification as of 18 October 2026.
A few older articles describe revised rates as if they were in force. We could not confirm that from an official source. Check the Revenue Department’s current circle-rate list before you finalise a deal. If rates are revised, the circle-rate floor could rise and your duty with it.
Worked examples
These use the Revenue Department baseline of 6% and 4%, plus 5% for joint ownership, 1% registration and ₹100 pasting fee. They do not include the possible extra 1% discussed above. The deal price is assumed to be at or above the circle-rate value.
| Flat price | Buyer | Stamp duty | Registration (1%) | Total (incl. ₹100) |
|---|---|---|---|---|
| ₹80,00,000 | Male | ₹4,80,000 | ₹80,000 | ₹5,60,100 |
| ₹80,00,000 | Female | ₹3,20,000 | ₹80,000 | ₹4,00,100 |
| ₹80,00,000 | Joint | ₹4,00,000 | ₹80,000 | ₹4,80,100 |
| ₹1,50,00,000 | Male | ₹9,00,000 | ₹1,50,000 | ₹10,50,100 |
| ₹1,50,00,000 | Female | ₹6,00,000 | ₹1,50,000 | ₹7,50,100 |
On the ₹80 lakh flat, registering in a woman’s name saves ₹1,60,000 in stamp duty. That is 2% of the value. Registering jointly saves ₹80,000. Make sure the ownership structure suits your family and finances, not just the duty saving. You may want a lawyer’s advice before you decide.
Example: when the circle rate is higher than your price
Suppose you agree to buy a flat for ₹80 lakh, but the circle-rate value for that flat works out to ₹1 crore. Duty is calculated on ₹1 crore, not ₹80 lakh. A male buyer would pay:
- Stamp duty at 6% of ₹1 crore: ₹6,00,000
- Registration at 1% of ₹1 crore: ₹1,00,000
- Pasting charge: ₹100
- Total: ₹7,00,100, which is ₹1,40,000 more than the ₹5,60,100 you would pay on the deal price
This is the reason to ask for the circle-rate value early, before you fix your budget.
NDMC-area differences
The New Delhi Municipal Council (NDMC) covers central New Delhi, including areas such as Connaught Place and Chanakyapuri. Properties there fall under a different civic body from the MCD. The Delhi Cantonment Board area is separate again.
This is where published information conflicts, and we could not settle it from an official source.
| Area | What many lender and portal pages say | What at least one 2026 legal source says |
|---|---|---|
| MCD area (most of Delhi) | 6% male / 4% female / 5% joint | 6% male / 4% female up to ₹25 lakh; 7% / 5% above that |
| NDMC area | 5.5% male / 3.5% female / 4.5% joint | 7% male / 5% female at every value, with no ₹25 lakh threshold |
| Delhi Cantonment | Flat 3% for all buyers | Stamp duty only, with no municipal surcharge |
Rates for the NDMC area are widely published as 5.5%, 3.5% and 4.5% for male, female and joint buyers. The registration fee stays at 1% plus ₹100. A 2026 legal explainer says the NDMC transfer duty is set by an annual Council determination, applies at every value, and can come to 7% for a man. We could not reconcile the two readings.
For a ₹1 crore flat bought by a man in the NDMC area, the lower reading gives about ₹6,50,100: ₹5,50,000 stamp duty, ₹1,00,000 registration and ₹100 pasting. The higher reading gives about ₹8,00,100. That is a gap of ₹1.5 lakh, so confirm with the sub-registrar or the NDMC before you commit.
If you are shortlisting homes, the New Delhi guide shows localities across the area, and new projects in New Delhi lists current launches. Ask your sub-registrar which civic body a given address falls under.
How to pay stamp duty through e-stamping
Delhi uses e-stamping. Several sources state that stamp duty can only be paid this way and that offline payment of the duty is not available. The Stock Holding Corporation of India Limited (SHCIL) runs the system, and its portal is www.shcilestamp.com.
- Register and log in on the SHCIL e-stamping portal as a citizen user and choose Delhi.
- Enter the transaction details: the parties, the property and the duty amount.
- Pay online by net banking, card or another listed mode. Authorised collection centres are also available if you prefer an assisted route.
- Download the e-stamp certificate. It carries a unique number, and the sub-registrar uses it for your sale deed.
The Revenue Department’s site has an online appointment system for sub-registrar offices. After paying the duty, you book a slot, and the buyer and seller attend with ID. The department lists a passport, voter ID, driving licence or PAN card as acceptable. Photographs and biometrics are taken at the office. Your lawyer or builder’s team can tell you which extra papers your deed needs.
The 1% registration fee goes to the sub-registrar. The Revenue Department’s page says it is deposited at the sub-registrar’s office at the time of registration. Some guides describe paying it online first, so ask the office what applies to your appointment.
Practical tips before you budget
- Get the circle-rate value in writing early. Compare it with your deal price before you agree the price.
- Ask which civic body your property falls under. MCD, NDMC and Cantonment properties can be treated differently.
- Budget a cushion. Because of the 1% question above, keep an extra 1% of the value in reserve until the sub-registrar confirms the figure.
- Decide the ownership structure before the deed is drafted. It determines the rate.
- Keep your e-stamp certificate and receipts. You will need them for the registration appointment.
If you are still comparing options, you can browse all projects and filter by city, or read the Dwarka guide if you are weighing an outer-Delhi location. Check duty and circle values for each address, because they vary with the locality.
A note on accuracy
Stamp duty rules and circle rates can change by notification, and different websites quote different figures. This article is general information, not legal or tax advice. Before you pay, confirm the exact duty with the Delhi Revenue Department, the sub-registrar’s office or a property lawyer.
Frequently asked questions
What is the stamp duty in Delhi for home buyers?
The Delhi Revenue Department lists 6% for a male buyer and 4% for a female buyer, covering stamp duty and transfer duty together. Joint male-female ownership is widely quoted at 5%, though we could not find that on the department's page.
How much is the registration fee in Delhi?
It is 1% of the consideration or circle-rate value, whichever is higher, plus a ₹100 pasting fee. It is the same for male, female and joint buyers.
What is the circle rate and why does it matter?
The circle rate is the government's minimum value for a property in an area. If your price is below it, duty and the registration fee are calculated on the circle-rate value instead.
Have Delhi circle rates been revised in 2026?
Secondary sources say no new notification has been issued and the 2014 rates remain in force. A review committee was announced in June 2025 and a hike of up to 35% has been discussed. Check the Revenue Department's site before you buy.
Can I pay stamp duty in Delhi offline?
Several sources say Delhi has no offline option for paying stamp duty, which is paid through SHCIL e-stamping. You can pay on the SHCIL portal, and authorised collection centres also act as intermediaries.
Is stamp duty different in the NDMC area?
Many lender and portal pages quote 5.5% for men, 3.5% for women and 4.5% for joint buyers in the NDMC area. At least one 2026 legal source gives a higher figure, so confirm the current rate with the sub-registrar or NDMC.
Is there an extra 1% charge on properties above ₹25 lakh?
Some sources report an extra 1% municipal transfer duty above ₹25 lakh in the MCD area, tied to a 10 July 2023 notification. Others say they found no official confirmation, so verify the figure with the sub-registrar before you budget.
Sources
- Property Registration – Department of Revenue, Govt of NCT of Delhi
- Important Information regarding Registration of Property – Department of Revenue, Delhi
- Stamp Duty & Transfer Duty Calculator (Delhi) – Legal Partners & Associates
- Stamp Duty and Registration Charges in Delhi 2026 – Willjini
- Circle Rate in Delhi 2026 – Prateek Properties
- Circle Rates in Delhi 2026: Category A-H Rates – South Delhi Floors
- Hike in circle rates in Delhi to hit housing demand – Business Standard (PTI, 2014)
- Stamp Duty in Delhi 2026: Rates & Property Registration Charges – Godrej Capital
- Stamp Duty & Property Registration Charges in Delhi – Kotak
- Stamp Duty and Registration Charges in Delhi 2026 – ClearTax
- Delhi Stamp Duty and Registration Charges Guide – DLF Homes
Updated 20 October 2026. This article is general information, not legal or financial advice; check current rules and project details before you decide.
