Stamp duty and registration charges
last updated 2026-07-21
In Tamil Nadu a sale is commonly charged 7% stamp duty plus 4% registration fee — about 11% together — calculated on the higher of the sale value and the government guideline value. Rates and concessions change, so confirm the current figures and the guideline value on TNREGINET before you budget.
The headline rates
| Charge | Rate (as of 2026) |
|---|---|
| Stamp duty | 7% of the property value |
| Registration fee | 4% of the property value |
| Combined | ~11% of the property value |
These are among the higher property-transfer charges in the country, and they are a real cost on top of the price you pay — worth building into any purchase maths.
What the percentage is charged on
The charge is calculated on the higher of two figures: the actual sale/agreement value, and the guideline value — the government-fixed minimum value for that locality, which you can look up on TNREGINET. So even a low purchase price is taxed at least on the guideline value.
Concessions
From 1 April 2025, Tamil Nadu offers a registration concession for women buyers where the property value is below ₹10 lakh — 3% registration instead of 4%. Concessions and thresholds change, so verify current eligibility on the official portal.
The bank-auction angle
Winning a SARFAESI auction is not the end of the cost. Stamp duty and registration are payable to register the sale certificate in your name — so a reserve that looks like a bargain still carries roughly another tenth of the value in charges. Factor guideline value and these percentages into whether a listing is genuinely below market. AuctionScope helps you compare a reserve to local rates; the registration cost is the piece to add on top.
Frequently asked questions
What are the stamp duty and registration charges in Tamil Nadu?
As of 2026, commonly 7% stamp duty and 4% registration fee — about 11% combined — on the higher of the sale value and the guideline value. Confirm current rates on TNREGINET, as they change.
What is guideline value?
The government-fixed minimum value for a locality, used as the floor for calculating stamp duty and registration. You can look it up for a specific property on the TNREGINET portal.
Do I pay stamp duty on a bank auction property?
Yes. Stamp duty and registration are payable to register the sale certificate in your name after you win, so budget roughly another tenth of the value on top of your bid.
Related terms
Sources
Rates, fees and procedures change — confirm the current position on the official portals below before you act.