Stamp Duty and Registration Charges in Tamil Nadu 2026 -- Complete Calculator Guide
Before you buy any property in Tamil Nadu, you need to know the total government levy. Many buyers focus only on the base price and get blindsided by stamp duty and registration charges at the time of registration. This guide gives you the exact figures for 2026 and a worked example.
Current Rates (2026)
| Charge | Rate | Basis |
|---|---|---|
| Stamp Duty | 7% | Guideline Value or Sale Consideration (whichever is higher) |
| Registration Fee | 4% | Guideline Value or Sale Consideration (whichever is higher) |
| Total | 11% |
Note: The 1% CMDA surcharge was subsumed into the stamp duty rate from April 2022. No separate CMDA levy applies.
Worked Example -- 65 Lakh Flat in Chennai
Assume guideline value = 58L, sale consideration = 65L (higher value applies):
| Component | Calculation | Amount |
|---|---|---|
| Stamp Duty | 7% x 65L | 4,55,000 |
| Registration Fee | 4% x 65L | 2,60,000 |
| Total Govt Charges | 7,15,000 | |
| All-in Cost | 65L + 7.15L | 72,15,000 |
Always budget 11-12% on top of your flat price.
GST on Under-Construction Properties
If you are buying under-construction, add GST:
- Affordable Housing (carpet area up to 60 sq m in metro): 1% GST
- All Other Under-Construction: 5% GST (no input tax credit)
- Ready-to-move with OC: No GST
Why RERA Registration Matters for Stamp Duty
When you register a property under a RERA-registered project, the guideline value used for stamp duty calculation is fixed in advance. All properties listed on Propspedia that carry the RERA badge have verified registration numbers cross-checked against the Tamil Nadu RERA portal.
Look for the RERA Verified badge on any Propspedia listing -- it means:
- The TNRERA registration number is valid and active
- The project is within its approved completion timeline
- Any price changes must be disclosed to RERA
Browse RERA-Verified Properties on Propspedia
Common Questions
Q: Is stamp duty the same across all Tamil Nadu districts?
A: The 7% + 4% rate applies uniformly across Tamil Nadu. There is no district-specific variation.
Q: Can I pay stamp duty online?
A: Yes. Tamil Nadu uses the e-STAMPS system through the Inspector-General of Registration (IGR) portal.
Q: How does Propspedia's PropScore factor in legal compliance?
A: PropScore includes a legal compliance sub-score. Projects with RERA numbers, CMDA approvals, and clear title history score higher. A score below 60 often indicates missing approvals.