Stamp duty and registration charges in Gujarat

[] Gujarat has been looking forward to announcements regarding stamp duty reduction which will foster demand and give a much-needed push to the property market across the state.

With the Maharashtra government taking the lead and reducing stamp duty charges in the state, property buyers in other states like Gujarat are also looking forward to a similar announcement. Industry body, Confederation of Real Estate Developers’ Association of India (CREDAI) chairman Jaxay Shah, has also said that any reduction would foster demand for property, push allied industries and generate employment. Over the years, the stamp duty Gujarat has come down from 16% to 4.9%. Here’s a look at everything you need to know about stamp duty charges in Gujarat.

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Stamp duty and registration charges in Gujarat in 2021

The basic rate of stamp duty in Gujarat is 3.50%, while the total rate is 4.90%. The registration fee in Gujarat is 1%. To calculate it, the total price of the property is considered and this includes clubhouse, car park, electric deposit charges, etc.

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How to calculate stamp duty in Gujarat?

Suppose that Anand Patel bought a property for Rs 86.75 lakhs in Gujarat. The stamp duty he needs to pay comes to Rs 4,25,075.

Calculation: 86,75,000 x 4.9/100 = Rs 4,25,075.

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Stamp duty charges are the same for men and women in Gujarat.

Registration charges for men and women in Ahmedabad, Gujarat

Gender Registration charge
For men 1%
For women No registration charges
For joint buyers (male and female) 1%
For joint buyers (female and female) No registration charges

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Besides, there may be some additional charges that you incur towards advocate fees as per rate from time to time, folio fees of Rs 10 per page or at the rate as per revisions by the government from time to time and index fees of Rs 50 per copy.

Now, let us see how to calculate the overall cost of the property. Suppose, Anand Patel and Vidushiben Parikh are buying similar properties at the same price (i.e., Rs 86.75 lakhs). Let us see how much each of them has to pay.

Both Patel and Parikh will pay Rs 4,25,075 as stamp duty. However, at the registration stage, Patel will need to pay 1%, that is Rs 86,750.

Rs 86,75,000 x  1/100 = Rs 86,750. 

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Hence, the overall cost for Patel is:

Rs 86,75,000 + 4,25,075 + 86,750 = Rs 91,86,825. 

In the case of Parikh, only stamp duty charges will apply, since women are exempt from registration charges and therefore, her overall cost comes to Rs 91,00,075.

Festive sales 2020 and stamp duty collection in Gujarat 

The Coronavirus pandemic did give the state government’s stamp duty collection a beating. While stamp duty collection hit a low in May 2020, with only Rs 120 crores, in October 2020 the festive season property sales resulted in Rs 748 crores worth of stamp duty collection. Meanwhile, the Gujarat chapter of the Confederation of Real Estate Developers Association of India (CREDAI) has requested the government to cut the stamp duty by 2%, to ensure that buyer sentiments are positive and continue to remain so, through March 2021.

Month  Stamp duty fee collection (in Rs crores) in 2019 Stamp duty fee collection (in Rs crores) in 2020
April 627 6
May 819 120
June 659 521
July 747 588
August  620 577
September 499 525
October 688 748

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E-stamping in Gujarat

The government has made it possible for everyone to use the e-stamping facility through the Stock Holding Corporation of India Ltd. E-stamping certificates are available immediately, once a person visits the taluka head quarters in any of the districts. Remember that e-stamping is legal.

For a comprehensive list of stamp-selling vendors in Gujarat, click here.


What is the difference between stamp duty and registration charges?

Stamp duty is calculated on the market value of a property while registration charges go towards the cost of documenting your ownership of the property and is usually lesser than the stamp duty.

Is e-stamping valid in Gujarat?

Yes, e-stamping is allowed in Gujarat and nationalised and private banks, co-operative banks, stamp vendors, stamp secretaries, chartered accountants, notaries, non-banking finance companies and CSC centres, now facilitate it.

Can I avail of home loan to pay stamp duty?

Stamp duty and registration charges are normally excluded from the home loan sanction.

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Category: Lifestyle

Debora Berti

Università degli Studi di Firenze, IT

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