How does the calculator work?
JR Loan Advisors, Chennai: in Tamil Nadu a sale deed usually costs 7% stamp duty plus 2% registration fee. Stamp duty is a tax you pay to the state when you buy property. The registration fee is what the Sub-Registrar charges to record the sale. Both are worked out on the higher of the price in your agreement and the government guideline value.
- Value used = the higher of agreement value and guideline value.
- Stamp duty = value used × 7%.
- Registration fee = value used × 2% (1% for an eligible woman buyer up to ₹10 lakh).
Worked example
Agreement ₹80 lakh, guideline value ₹75 lakh. Value used = ₹80 lakh. Stamp duty = ₹80 lakh × 7% = ₹5,60,000. Registration = ₹80 lakh × 2% = ₹1,60,000. Total = ₹7,20,000, so the all-in cost is about ₹87.2 lakh.
Buying a new flat in Chennai?
Check the project on TNRERA before you pay. A project on more than 500 sq m of land with more than 8 flats must be registered there (RERA Act 2016, Section 3, checked 1 Nov 2026). Look up the guideline value for your street on tnreginet.gov.in; stamp duty is paid on the higher of that value and your price.
Rates this tool assumes (sale / conveyance)
- Stamp duty 7% on the higher of consideration and guideline value (typical conveyance).
- Registration fee 2% from 1 April 2023 per G.O.(Ms.) No.34, CT&R (J2), 30 March 2023 (reduced from 4%).
- Women concession: registration 1% for eligible woman/women-only purchases up to ₹10 lakh from 1 April 2025 (G.O. Ms. No.77, 29 March 2025) — conditions apply.
Read the full cost stack — GST, lender fees, TDS — in Total cost of buying a home in Tamil Nadu. Official portal: tnreginet.gov.in.
Formula reviewed by CA Jitendraa Rathi (ICAI 217936). Rough estimate, not a loan approval. Sources.
Tamil Nadu stamp and registration figures follow the state schedule on tnreginet.gov.in (checked 28 Oct 2026). Confirm with the Sub-Registrar before you sign.
Written and reviewed by CA Jitendraa Rathi, Chartered Accountant (CA membership number 217936) · Ex-banker, 20 years of experience in credit and lending · LinkedInLast reviewed · Expert review: CA Jitendraa Rathi (ICAI 217936)
Frequently asked questions
Is this the official TNREGINET calculator?
No. It is an indicative helper using commonly applied Tamil Nadu sale-deed rates (7% stamp duty + 2% registration fee from 1 April 2023). Confirm the exact duty for your instrument on TNREGINET or at the Sub-Registrar before you pay.
Why is registration shown as 2% not 4%?
G.O.(Ms.) No.34, Commercial Taxes and Registration (J2), dated 30 March 2023, effective 1 April 2023, reduced registration fee on relevant conveyances to 2%. Some older articles still say 4%.
How does the women concession work here?
G.O. Ms. No.77 (29 March 2025, w.e.f. 1 April 2025) allows 1% registration fee for woman/women-only purchasers on property up to ₹10 lakh, subject to notification conditions. Toggle it only if those conditions fit — this tool does not check every condition.
Should I enter agreement value or guideline value?
Enter both if you know them. Duty is generally computed on the higher of consideration and guideline value for a typical sale.