Book

Free tool

Stamp Duty & Registration Calculator

Work out stamp duty and registration fee for a flat, house or plot in Chhattisgarh (Raipur, Bhilai, Bilaspur) or Madhya Pradesh (Bhopal, Indore, Jabalpur) — including the concessions for women buyers.

Where is the property?
Rates used (edit if the sub-registrar quotes differently)

Chhattisgarh, from 28 April 2026 (registration-fee concession for women from 6 May 2026). Percent of value.

How to use

How to use the stamp duty calculator

  1. Choose the state and whether the property is inside municipal limits.
  2. Choose the buyer. Women-only purchases get concessions in both states; in MP the registration-fee concession needs all buyers to be women.
  3. Enter the guideline (market) value and the agreed price. The guideline value is on the state registration portal; duty is charged on whichever is higher.
  4. Read the total and the breakdown by component.
  5. Confirm with the sub-registrar or the official portal before paying — and open “Rates used” to change any figure.

The maths

How it’s calculated

Chhattisgarh (from 28 Apr 2026) Stamp duty = 5% (men) or 4% (women) + 1% additional duty Registration = 4%, or 2% when the property is wholly in women’s names Madhya Pradesh Stamp duty = 5% + 3% municipal (urban) + 1% janpad + upkar 10% of 5% = 9.5% urban · 6.5% rural Registration = 3%, or 1% when all buyers are women

Duty is charged on the higher of the guideline value and the agreed price. In Chhattisgarh the registration fee is charged on the guideline value only.

Worked example

A ₹50 lakh flat in Raipur vs Bhopal

  • Raipur, male buyer: stamp duty 6% = ₹3 lakh + registration 4% = ₹2 lakh → ₹5 lakh (10%).
  • Raipur, woman buyer: 5% + 2% = ₹3.5 lakh (7%) — a saving of ₹1.5 lakh.
  • Bhopal (urban), male buyer: 9.5% duty = ₹4.75 lakh + 3% registration = ₹1.5 lakh → ₹6.25 lakh (12.5%).
  • Bhopal, all buyers women: 9.5% + 1% = ₹5.25 lakh.

Rates at a glance (October 2026)

State & buyerStamp dutyRegistration feeTotal
Chhattisgarh — man / joint6%4%10%
Chhattisgarh — woman (sole / all women)5%2%7%
Madhya Pradesh urban — man / joint9.5%3%12.5%
Madhya Pradesh urban — all buyers women9.5%1%10.5%
Madhya Pradesh rural — man / joint6.5%3%9.5%
Madhya Pradesh rural — all buyers women6.5%1%7.5%

Percent of the higher of guideline value and agreed price. Verify with the sub-registrar before paying.

Sources (checked October 2026):

  • MP SAMPADA live duty table for a sale deed (instrument 59): principal duty 5%, municipal duty 3%, janpad duty 1%, upkar 10% of principal duty, registration fee 3% (1% where all buyers are women) — sampada.mpigr.gov.in (official).
  • MP totals of 12.5% (urban) and 9.5% (rural) — ETV Bharat, 31 Mar 2026 (news).
  • CG 1% additional duty on transfers within municipal limits — notification F.5-9/2020/18, reproduced at Indian Kanoon.
  • CG upkar (cess) abolished for registrations from 28 Apr 2026 — Patrika (news).
  • CG registration fee halved for property in women’s names from 6 May 2026; 25% stamp-duty concession for soldiers, ex-servicemen and widows — ETV Bharat, 7 May 2026 (news).
  • CG registration fee charged on guideline value only — Amar Ujala, Nov 2024 (news).
  • Official fee calculators: CG NGDRS / e-Panjeeyan and MP SAMPADA.

Not verified: the rate for joint (man + woman) ownership in Chhattisgarh — this tool applies the general rate; whether MP’s upkar applies to built houses and flats (it may apply only to plots and farm land); and how each state treats a sale price above the guideline value. Rates are editable for that reason.

Keep planning

All free tools →

Related tools & guides

Home Loan EMI Calculator

EMI, total interest, prepayment savings and a full amortisation table.

Open tool →

Carpet Area Calculator

Convert between carpet, built-up and super built-up area, and compare real prices.

Open tool →

Area Converter

Sq ft, sq m, gaj, dismil, acre, hectare, bigha and biswa — instantly.

Open tool →

Construction Cost Calculator

House construction cost in Raipur & Bhopal with cement, steel, sand and brick estimates.

Open tool →

Interior design cost in Raipur

What a 2BHK or 3BHK interior really costs, and where the money goes.

Read more →

FAQ

Stamp Duty Calculator: common questions

What is the stamp duty in Chhattisgarh in 2026?
From 28 April 2026, a sale deed attracts 5% stamp duty for men (4% for women) plus a 1% additional duty, and the earlier 12% upkar on stamp duty has been abolished. Registration fee is 4%, halved to 2% from 6 May 2026 when the property is wholly in women’s names.
What is the stamp duty in Madhya Pradesh?
MP’s SAMPADA rate table for a sale deed adds up to 9.5% in urban areas (5% principal duty, 3% municipal duty, 1% janpad duty and upkar) and 6.5% in rural areas, plus a 3% registration fee — 1% when all buyers are women. The 7.5% figure often quoted online was a temporary 2020 rate.
Is stamp duty charged on the guideline value or the price I pay?
On whichever is higher. If you agree to pay more than the government guideline (collector) rate, duty is charged on your price; if you pay less, it is charged on the guideline value. In Chhattisgarh the registration fee is charged on the guideline value only.
Does a home loan cover stamp duty and registration?
Usually not. Lenders fund a share of the property value and expect stamp duty and registration from your own savings; RBI allows these charges to be added to the cost only for low-cost homes. Budget for them alongside your down payment — see our EMI calculator.
How do I pay stamp duty and register the deed?
Both states run online systems — e-Panjeeyan / NGDRS in Chhattisgarh and SAMPADA in Madhya Pradesh — where you calculate duty, pay e-stamp duty and fees, and book a slot at the sub-registrar’s office for registration.

Registered the flat? Plan the interiors next.

We help new owners in Raipur and Bhopal turn a bare flat into a home — on a clear, itemised budget.

Book a consultation