Stamp Duty and Registration Charges in Delhi
Buying in Delhi comes with a registry bill most buyers underestimate: stamp duty, registration, and a transfer duty that together can touch 8 percent of the property value. There is also a clear saving if the property is registered in a woman's name. This guide gives the exact stamp duty and registration charges in Delhi for 2026, including the parts buyers usually miss.
Delhi stamp duty rates
| Buyer | Stamp duty | Registration |
|---|---|---|
| Male | 6% | 1% |
| Female | 4% | 1% |
| Joint (male + female) | 5% | 1% |
Rates are current for 2026. So a male buyer pays 6 percent stamp duty plus 1 percent registration, while a female buyer pays 4 percent plus 1 percent. The 2 percent gender difference is real money: on a ₹1 crore flat, registering in a woman's name saves ₹2 lakh in stamp duty alone.
The charges buyers miss
Two extra costs push the real bill higher. First, Delhi levies a 1 percent MCD transfer duty on properties above ₹25 lakh, on top of stamp duty and registration. Second, there is a small pasting fee. Adding it all up, the real all-in registry cost is roughly 8 percent for a male buyer, 6 percent for a female, and 7 percent for joint ownership. There are also area-specific rates: properties in the NDMC zone are charged 5.5 percent for men and 3.5 percent for women, and Delhi Cantonment has a fixed 3 percent.
How the duty is calculated
Delhi charges stamp duty on the higher of your transaction value or the government circle rate for that colony. So even if you buy below the circle rate, you pay duty on the circle rate. Delhi's circle rates are set colony by colony, from Category A to H, our Delhi circle rates guide has the category-wise numbers. Always check the circle rate for your property before budgeting the stamp duty, since it sets the floor.
How to save on stamp duty
- Register in a woman's name, alone or jointly, for the lower rate, a 2 percent saving for a woman buyer.
- Check the circle rate first, so you budget the duty on the correct, higher of the two values.
- Include the 1 percent MCD transfer duty above ₹25 lakh in your budget, since it is easy to forget.
- Keep the full transaction in the registered deed, since duty is your legal proof of ownership and underpayment can be penalised.
- Budget it as upfront cash, since banks do not fund stamp duty. Our down payment guide covers the full upfront cost.
What it costs in practice
Take a ₹1.5 crore Delhi flat where the circle rate is at or below the sale price. A male buyer pays 6 percent stamp duty (₹9 lakh), 1 percent registration (₹1.5 lakh), and 1 percent MCD transfer duty (₹1.5 lakh), a total of about ₹12 lakh. A female buyer pays 4 percent (₹6 lakh) plus the same 1 percent and 1 percent, a total of about ₹9 lakh, saving ₹3 lakh. These are large, non-refundable sums, so plan them alongside your down payment. The single biggest lever is the ownership name.
How Delhi compares with Gurgaon and Noida
Delhi's headline stamp duty is actually the lowest of the three NCR states: 6 percent for men against Haryana's 7 percent and UP's 7 percent. But the extras narrow the gap. Delhi adds a 1 percent MCD transfer duty above ₹25 lakh, taking the male all-in to about 8 percent, similar to Haryana's 7 percent plus registration and UP's 7 percent plus 1 percent registration. For women, Delhi's 4 percent is genuinely lower than Haryana's 5 percent and UP's effective 5 percent up to ₹1 crore. So on a woman-registered flat, Delhi is the cheapest of the three to register, while for men the three states land within a percent or so of each other once all charges are counted. Wherever you buy across NCR, the single biggest lever is registering in a woman's name, and the second is checking the circle rate, since the duty applies to whichever of price or circle rate is higher.
Frequently asked questions
What is the stamp duty in Delhi in 2026?
Six percent for male buyers, 4 percent for female, and 5 percent for joint ownership, plus 1 percent registration. NDMC areas charge 5.5 and 3.5 percent, and Delhi Cantonment a fixed 3 percent.
What is the total registry cost in Delhi?
Roughly 8 percent for men, 6 percent for women, and 7 percent for joint ownership, including stamp duty, 1 percent registration, and the 1 percent MCD transfer duty on properties above ₹25 lakh.
How much do I save registering in a woman's name in Delhi?
Two percent of the value, so ₹2 lakh on a ₹1 crore flat, since women pay 4 percent stamp duty against a man's 6 percent.
Is Delhi stamp duty calculated on circle rate or sale price?
On the higher of the two. Even if you buy below the circle rate, you pay duty on the circle rate, so check it before budgeting.
What is the MCD transfer duty in Delhi?
A 1 percent duty on properties above ₹25 lakh, charged on top of stamp duty and registration, which many buyers forget to budget for.
Does a home loan cover stamp duty in Delhi?
Usually not. Banks fund the property value but exclude stamp duty, registration, and transfer duty, so you pay this 6 to 8 percent from your own funds.
In Delhi, budget 6 to 8 percent for the full registry, 6 percent stamp duty plus 1 percent registration and 1 percent transfer duty for men, and 4 percent plus the same for women. Register in a woman's name to save, check the circle rate first, and count the transfer duty. Read more on our blog. Rates are current for 2026, so confirm with the sub-registrar before your registry.
