Stamp duty and registration
State-levied charges payable when property ownership is transferred and recorded. They are a large, unavoidable, unfinanceable cash cost — often around 5-8% of the price depending on the state.
What it means
State-levied charges payable when property ownership is transferred and recorded.
Why it matters to a household
They are a large, unavoidable, unfinanceable cash cost — often around 5-8% of the price depending on the state.
Where it trips people up
Leaving them out of the down payment calculation. No lender funds them, and they are due at registration.
In an Indian household
Several states offer a reduced rate for female buyers or co-owners. Rates change with state budgets, so check the current figure for your state.
Where FamTally comes in
FamTally is a free AI-driven money manager built for Indian families. It holds your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and lets you ask an assistant questions about your own numbers rather than looking up general advice. Everything on this page is the kind of thing it works out for you automatically.
Stop doing this in a spreadsheet
FamTally keeps your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and answers questions about your own numbers. Free, and built for Indian families.
Start freeQuestions people ask
Stamp duty and registration
State-levied charges payable when property ownership is transferred and recorded.
Why does it matter?
They are a large, unavoidable, unfinanceable cash cost — often around 5-8% of the price depending on the state.
What do people usually get wrong?
Leaving them out of the down payment calculation. No lender funds them, and they are due at registration.
Is there anything India-specific?
Several states offer a reduced rate for female buyers or co-owners. Rates change with state budgets, so check the current figure for your state.