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Stamp duty and registration, worked out properly.
Charged on whichever is higher of the jantri value and your agreement value — and if you are buying with a loan, there is a second instrument to pay for that most calculators leave out entirely.
Duty is charged on whichever is higher of jantri and agreement value — here ₹60.0 L.
Payable at the sub-registrar
₹3.6 L
₹3.5 L
on the sale deed
₹7,000
on the mortgage
Gujarat stamp duty of 4.9% is a 3.5% basic rate plus a surcharge of 40% of that basic rate, being 1.4%. Mortgage duty follows the Gujarat Stamp (Amendment) Act 2025. Registration on the mortgage is ₹2,000 from our own filings rather than a published schedule.
Indicative only, for your own planning. Lender rates as on 2 Sept 2026. Nothing here is an offer — what you are finally sanctioned is decided by the lender, on your documents. LoanPark is a loan facilitator and direct selling agent, not a lender.
While you are here.
What is the stamp duty on property in Gandhinagar?
4.9% of the higher of the jantri value or the agreement value — a basic 3.5% plus a surcharge of 40% of that basic rate, being 1.4%. A separate 1% registration fee is charged on the same base. On a ₹60 lakh flat that is ₹2.94 lakh of stamp duty plus ₹60,000 of registration.
Do women pay less stamp duty in Gujarat?
No. Women pay the same 4.9% stamp duty as men. The concession is on the separate 1% registration fee, from which a female sole owner is exempt — worth ₹60,000 on a ₹60 lakh property, but not the stamp duty discount it is often described as.
How much stamp duty is payable on a mortgage deed in Gujarat?
25 paise per ₹100 of the loan, capped at ₹5,000 for any loan up to ₹1 crore under the Gujarat Stamp (Amendment) Act 2025, in force since 10 April 2025. Before that cap the same mortgage on a ₹1 crore loan cost ₹25,000. With registration on top, budget about ₹7,000 all in.
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