09/10/2026
Stamp duty, registration charges, GST, TDS and capital gains tax can all affect your property transaction differently.
Swipe through for a practical breakdown of the costs to understand before buying or selling property. Save this guide for your next property decision.
Stamp duty is one of the key upfront costs of buying property.
It is a government duty payable on property transaction documents, such as a sale deed. The amount is determined by the applicable state rules and may depend on the property’s market value or prescribed circle rate, the type of transaction and the buyer’s eligibility for concessions.
Before budgeting: Check the applicable stamp duty rate, the value on which it will be calculated, and whether any concessions apply. These can significantly affect your upfront purchase cost.
Stamp Duty is the tax you pay on the property sale deed or other applicable legal instrument to make it legally chargeable under stamp duty law.
Registration Charges are the fees paid to the government for officially recording the property transaction in the registration records.
In simple terms, stamp duty is charged on the document, while registration fees are charged for registering it. Both are separate costs that may apply when purchasing a property.
Before signing: Check the applicable stamp duty rate, registration fee and valuation rules in your state, as these can vary by location and transaction type.
Under-construction and completed properties can have different GST treatment.
GST generally applies to the construction service involved in buying an under-construction residential property, subject to the applicable conditions and rates.
A sale of a completed building is generally outside GST where the entire consideration is received after the completion certificate is issued or after first occupation, whichever is earlier.
Before paying: Confirm the project’s status, applicable GST rate and whether GST is included in the quoted price.
The ₹50 lakh threshold comes with an important detail.
For a qualifying purchase of immovable property other than excluded agricultural land from a resident seller, TDS is generally 1% where the consideration or sta
