Stamp Duty Calculator
Ghar ya zameen khareedte waqt property ki keemat ke upar stamp duty aur registration charge dena padta hai — ye achha-khaasa hota hai. Ye calculator property value aur aapke rajya ki dar lekar batata hai ki registry me kul kitna extra kharcha aayega.
Stamp duty kya hai
Stamp duty ek sarkari tax hai jo property khareedte waqt uski keemat ke upar dena padta hai, taaki property aapke naam kanooni roop se register ho. Iske saath ek registration charge bhi lagta hai. Ye dono milaakar achha-khaasa kharcha ban jaata hai, jise log aksar budget me bhool jaate hain.
Registration = Property value × registration %
Kul kharcha = dono ka jod
Ek misaal
₹50 lakh ki property, stamp duty 6%, registration 1%. Stamp duty = ₹3 lakh, registration = ₹50,000. Kul registry kharcha = ₹3.5 lakh. Yaani property ki asli laagat ₹53.5 lakh hui. Isiliye ghar ka budget banate waqt ye kharcha zaroor jodein.
Dar kis par nirbhar karti hai
- Rajya — har rajya ki apni dar hoti hai (aam taur par 4-8%).
- Mahila khareedar — kai rajyon me mahila ke naam par khareedne par stamp duty kam lagti hai.
- Sheher/gaon — nagar nigam ilaake me thodi zyada ho sakti hai.
- Property type — residential aur commercial ki dar alag ho sakti hai.
Registry se pehle ye dhyaan
Stamp duty circle rate (sarkari nyoontam dar) par lagti hai — agar aap usse kam par khareed rahe hain to bhi stamp duty circle rate par hi banti hai. Property khareedne se pehle uske kaagaz zaroor jaanch lein. Home loan lena hai to eligibility aur EMI pehle dekh lein — kyunki stamp duty aksar loan me nahi aati, use apni jeb se dena padta hai.
Circle rate aur bazaar bhaav — duty kis par lagti hai
Ye wo baat hai jahan sabse zyada log chaunkte hain. Stamp duty us keemat par nahi lagti jo aapne di, balki circle rate (sarkari dar) aur asli sauda — dono me se jo zyada ho, us par lagti hai.
Ulta bhi hota hai — agar aapne circle rate se zyada me kharida hai, to duty aapki asli keemat par lagegi. Isi liye registry se pehle apne tehsil ya sub-registrar office se us khasra/plot ka circle rate nikalwa lena zaroori hai. Ye jaankari aam taur par rajya ki registry website par bhi milti hai.
Pahadi rajyon me ek aur pech hai — sinchit aur asinchit zameen, aabaadi aur khet ki zameen, sadak se doori — in sab par circle rate alag hota hai. Ek hi gaon me do plot ki dar alag ho sakti hai.
Duty ke alawa registry me aur kya lagta hai
Log stamp duty ka hisaab lagakar nishchint ho jaate hain, phir registry ke din aur kharche saamne aate hain. Poori list kuch aisi hoti hai:
- Stamp duty — sabse bada hissa, jo ye calculator nikaalta hai
- Registration fee — aam taur par keemat ka 1% (kai rajyon me upar ki seema tay hai)
- Deed likhne wale ki fees — dastavez lekhak ya vakeel
- Mutation / dakhil-kharij — registry ke baad naam chadhwane ka alag kaam aur alag fees
- Nakal aur photocopy — chhota kharcha par lagta zaroor hai
Ek bada bachat wala point — kai rajyon me mahila ke naam par registry karane par stamp duty me chhoot milti hai. Ye chhoot rajya-dar-rajya alag hai aur kabhi-kabhi 1-2% tak hoti hai, jo bade sauda me lakh rupaye ka farak hai. Sub-registrar office me ye baat khud se poochhiye — batayi nahi jaati.
Aur sabse zaroori — registry ho jaana kaafi nahi hai. Dakhil-kharij (mutation) tak kaam adhoora hai. Jab tak revenue record me aapka naam nahi chadhta, kaagaz par zameen abhi bhi purane maalik ke naam bolti hai.
Stamp duty kis raqam par lagti hai — paanch sthitiyan
Log aksar maan lete hain ki duty sauda ki raqam par lagti hai. Aisa hamesha nahi hota.
| Sthiti | Duty kis par lagegi |
|---|---|
| Circle rate Rs 40 lakh, sauda Rs 50 lakh | Rs 50 lakh par (jo zyada ho) |
| Circle rate Rs 60 lakh, sauda Rs 50 lakh | Rs 60 lakh par — sauda kam hone se faayda nahi |
| Ghar tohfe me (parivaar me) | Kai rajya me kam dar ya maafi |
| 11 mahine ka kiraya agreement | Bahut kam duty, alag niyam |
| Batwara (parivaar ki zameen) | Alag, aam taur par kam dar |
Aksar pooche jaane wale sawaal
Stamp duty kitni hoti hai?
Rajya par nirbhar, aam taur par 4-8%. Iske saath ~1% registration charge. Mahila khareedar par kai rajyon me kam.
Stamp duty loan me aati hai?
Aksar nahi. Bank property value par loan deta hai, stamp duty aur registration aapko apni jeb se dena padta hai. Isliye budget me alag rakhein.
Circle rate kya hai?
Sarkari nyoontam dar jis par property register hoti hai. Aap kam par khareedein to bhi stamp duty circle rate par banti hai.
Mahila ke naam par kharidne se fayda?
Kai rajyon me mahila khareedar par stamp duty kam lagti hai, jisse achhi bachat hoti hai. Apne rajya ki dar dekhein.
Duty circle rate par lagegi ya meri di hui keemat par?
Dono me se jo zyada ho, us par. Agar circle rate aapke sauda se upar hai to duty circle rate par hi lagegi — isi liye registry se pehle circle rate pata karna zaroori hai.
Mahila ke naam registry karne se chhoot milti hai?
Kai rajyon me milti hai aur dar alag-alag hai. Apne sub-registrar office se confirm karein — ye chhoot bade sauda me kaafi bachat kara deti hai.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: