Stamp Duty and Registration Charges in Tamil Nadu 2025

Stamp Duty and Registration Charges in Tamil Nadu 2025.  
When it comes to buying property in Tamil Nadu, it is crucial to understand the associated costs, especially the Stamp Duty and Registration Charges in Tamil Nadu 2025. These government-imposed charges ensure that the property transaction is legally recorded and officially recognized. The stamp duty and registration charges vary based on the type of deed and the gender of the buyer. In this article, we will explain in detail the stamp duty and registration fees applicable in Tamil Nadu for the year 2025, including the latest concessions announced by the state government.
What is Stamp Duty in Tamil Nadu?
Stamp duty is a tax levied by the state government on the sale or transfer of property. It is applicable to all kinds of property transfer documents like sale deeds, gift deeds, mortgage deeds, lease agreements, and more. In Tamil Nadu, anyone involved in a property transaction is required to pay this duty. The purpose of stamp duty is to legalize the ownership transfer and ensure it is properly documented under government records.
The Stamp Duty and Registration Charges in Tamil Nadu 2025 are uniform across the state but may vary depending on the nature of the deed and who is buying the property. The latest update from April 1, 2025, includes a concession for women buyers purchasing properties valued below Rs. 10 lakh.
Registration Charges & Stamp Duty Rates in Tamil Nadu in 2025
The stamp duty and registration charges are calculated based on the property’s market value. These charges ensure that the property purchase is registered under government records, providing legal ownership to the buyer. Below is a table showing the stamp duty and registration charges in Tamil Nadu, categorized by gender:

Gender

Registration Fees

Tamil Nadu Stamp Duty Rates

Female

Female (For properties valued up to Rs. 10 lakh)

3% (From 1 April 2025)

Male

These rates are calculated as a percentage of the market value of the property. The reduction in registration charges for women buyers is a significant step towards empowering women and encouraging property ownership among them.
Stamp Duty for Different Deeds in Tamil Nadu
Different types of deeds attract different rates of stamp duty and registration fees. It is important for buyers to be aware of the rates applicable to the type of deed they are executing. Below is a detailed table showing the rates for various types of deeds:

Deed Type

Stamp Duty

Registration Charges

Exchange Deed

7% of the market value of the property.

4% of the market value of the property.

Gift Deed

7% of the market value of the property.

4% of the market value of the property.

Sale/conveyance Deed

7% of the market value of the property

4% of the market value of the property.

Simple Mortgage Deed

1% of loan amount subject to a maximum of Rs. 40,000

1% of loan amount subject to a maximum of Rs. 10,000

Mortgage with Possession Deed

4% of the loan principal amount.

1% to a maximum of Rs. 2,00,000

Lease Deed (below 30 years)

1% of the total rent, premiums, fines, etc.

1% subject to a maximum of Rs. 20,000

Lease Deed (Up to 99 years)

4% of the total rent, premiums, fines, etc.

1% subject to a maximum of Rs. 20,000

Lease Deed (Above 99 years or perpetual lease)

7% of the total rent, premiums, fines, etc.

1% subject to a maximum of Rs. 20,000

General Power of Attorney (for the sale of an immovable property)

Rs. 100

Rs. 10,000

General Power of Attorney (for the sale of an immovable property given to family member)

Rs. 100

Rs. 1,000

General Power of Attorney (for the sale of a movable property)

Rs. 100

Rs. 50

General Power of Attorney (when power is given for consideration)

4% on the consideration value

1% on consideration or Rs. 10,000, whichever is higher

Settlement in favour of family members

1% of the market value of a property, subject to a maximum of Rs. 25,000

1% on the market value of the property, subject to a maximum of Rs. 4,000

Other Cases of Settlement

7% of the market value of a property

4% of the market value

Release among family members

1% of the market value of a property, subject to a maximum of Rs. 25,000

1% on the market value of the property, subject to a maximum of Rs. 4,000

Release in between non-family members

7% on the market value of a property

1% on the market value of the property

Partition among family members

1% of the market value of a property, subject to a maximum of Rs. 25,000 for each share

1% subject to a maximum of Rs. 4,000 for each share

Partition among non-family members

4% of the market value of a property for separated shares

1% on the market value of the property for separated shares

Partnership deed (Where the capital does not exceed Rs. 500)

Rs. 50

1% on the capital invested

Partnership deed (Other cases)

Rs. 300

1% on the capital invested

What are the Registration Charges in Tamil Nadu in 2025?
For all cities and towns across Tamil Nadu, the registration charges are fixed at 4% of the market value of the property. This ensures uniformity and transparency in property transactions. However, in a positive move to encourage female property ownership, the Tamil Nadu government has introduced a concession from April 1, 2025. Women buying property valued up to Rs. 10 lakh will now only have to pay 3% as registration charges instead of 4%.
How To Calculate Stamp Duty in Tamil Nadu?
Calculating stamp duty is straightforward as it is based on the percentage of the market value of the property. Let us understand this through a practical example.
Assume a buyer named Rajarshi purchases a property worth Rs. 60,00,000. The stamp duty applicable is 7% and the registration charges are 4%. Here's how it is calculated:

Stamp duty: Rs. 60,00,000 x 7% = Rs. 4,20,000

Registration charges: Rs. 60,00,000 x 4% = Rs. 2,40,000

Total payable: Rs. 6,60,000

This total amount is necessary to ensure the property ownership is legally registered and recorded in the government database.
How to Pay Stamp Duty in Tamil Nadu?
There are two ways to pay the stamp duty in Tamil Nadu—online and offline. Here is how you can do both:
Payment of Stamp Duty in Tamil Nadu Online
To pay online:

Visit the SCHIL (Stock Holding Corporation of India Limited) website.

Click on the 'e-Stamping' tab and choose 'Tamil Nadu' from the list of states.

Download the 'Application Form for Stamp Duty Payment'.

Fill in the form and take a printout.

Visit the nearest Stock Holding e-Stamping counter.

You can make the payment through NEFT, RTGS, direct bank transfers, and other accepted modes.

Payment of Stamp Duty in Tamil Nadu Offline
For offline payments:

Buy a stamp paper from a government-authorised treasury or use the franking method.

Visit the local sub-registrar’s office.

Fill out the application for stamp duty payment.

You can pay using NEFT, RTGS, debit card, credit card, or even in cash.

Exemptions & Concessions on Stamp Duty in Tamil Nadu
The Tamil Nadu government has introduced multiple concessions and exemptions to encourage equitable and fair property ownership. These are aimed at promoting agriculture, low-income housing, and family-based property transfers. The exemptions include:
Purchasing Agricultural Land
When buyers purchase land intended solely for agricultural purposes, they may be eligible for concessions in stamp duty and registration fees. This initiative is designed to support and boost agricultural development in the state.
Affordable Housing for the Poor
Under government housing schemes for economically weaker sections and lower-income groups, buyers may receive full or partial exemptions from stamp duty and registration fees. This makes homeownership more accessible for underprivileged families.
Transfers Among Family Members
In cases such as gift deeds, releases, settlements, or partitions made within families, the government provides lower stamp duty and capped registration fees to reduce financial burden on families transferring property among themselves.
Stamp Duty and Registration Charges in Tamil Nadu 2025 is important for any property transaction in the state. With fixed rates, gender-based concessions, and clear procedures for different deed types, buyers can better plan their expenses and ensure compliance with state laws.
FAQs
Q1. What are the current stamp duty and registration charges for property purchases in Tamil Nadu in 2025?
Ans. In 2025, Tamil Nadu levies a stamp duty of 7% and a registration charge of 4% on the market value of the property for most transactions. However, from April 1, 2025, women buying property worth up to Rs. 10 lakh enjoy a 1% concession in registration charges, paying only 3% instead of 4%.
Q2. Are the stamp duty and registration rates different for men and women in Tamil Nadu?
 Ans. Yes, there is a difference. While both men and women generally pay the same stamp duty of 7%, the registration fee is reduced to 3% for women buyers if the property’s value is Rs. 10 lakh or less. For properties above this value, both genders pay 4% registration charges.
Q3. How is stamp duty calculated on a property in Tamil Nadu?
 Ans. Stamp duty is calculated as a percentage of the market value of the property, not the transaction value. For instance, if a property is valued at Rs. 60 lakhs, stamp duty will be 7% of Rs. 60,00,000, which amounts to Rs. 4,20,000, and registration charges at 4% would be Rs. 2,40,000.
Q4. What is the procedure to pay stamp duty online in Tamil Nadu?
 Ans. To pay stamp duty online in Tamil Nadu, visit the SCHIL (Stock Holding Corporation of India Limited) website. Select 'e-Stamping' and choose 'Tamil Nadu'. Download and fill the stamp duty payment application form and submit it at the nearest e-Stamping counter. Payment can be made via NEFT, RTGS, or bank transfers.
Q5. What concessions are available for family-related property transactions?
 Ans. For transactions like gift deeds, settlements, or releases among family members, the Tamil Nadu government offers significant concessions. For example, stamp duty can be as low as 1% of the property value (capped at Rs. 25,000), and registration charges are capped at Rs. 4,000, reducing the financial burden for intra-family transfers.
Q6. Are there exemptions in stamp duty for agricultural or affordable housing purchases?
 Ans. Yes, Tamil Nadu provides stamp duty concessions for agricultural land if it is used solely for farming. Similarly, for affordable housing under state government schemes, low-income families may receive partial or full exemptions from stamp duty and registration charges to encourage home ownership.
Q7. Can I pay stamp duty in Tamil Nadu offline, and how?
 Ans. Yes, you can pay offline. Buy a stamp paper from the treasury or use franking at authorized banks. Then, visit the Sub-Registrar’s Office, fill the required form, and pay through NEFT, RTGS, debit/credit cards, or cash. Ensure the payment is recorded properly for legal registration of the property.

When it comes to buying property in Tamil Nadu, it is crucial to understand the associated costs, especially the Stamp Duty and Registration Charges in Tamil Nadu 2025. These government-imposed charges ensure that the property transaction is legally recorded and officially recognized. The stamp duty and registration charges vary based on the type of deed and the gender of the buyer. In this article, we will explain in detail the stamp duty and registration fees applicable in Tamil Nadu for the year 2025, including the latest concessions announced by the state government.

What is Stamp Duty in Tamil Nadu?

Stamp duty is a tax levied by the state government on the sale or transfer of property. It is applicable to all kinds of property transfer documents like sale deeds, gift deeds, mortgage deeds, lease agreements, and more. In Tamil Nadu, anyone involved in a property transaction is required to pay this duty. The purpose of stamp duty is to legalize the ownership transfer and ensure it is properly documented under government records.

The Stamp Duty and Registration Charges in Tamil Nadu 2025 are uniform across the state but may vary depending on the nature of the deed and who is buying the property. The latest update from April 1, 2025, includes a concession for women buyers purchasing properties valued below Rs. 10 lakh.

Registration Charges & Stamp Duty Rates in Tamil Nadu in 2025

The stamp duty and registration charges are calculated based on the property’s market value. These charges ensure that the property purchase is registered under government records, providing legal ownership to the buyer. Below is a table showing the stamp duty and registration charges in Tamil Nadu, categorized by gender:

Gender	Registration Fees	Tamil Nadu Stamp Duty Rates
Female	4%	7%
Female (For properties valued up to Rs. 10 lakh)	3% (From 1 April 2025)	7%
Male	4%	7%

Stamp Duty for Different Deeds in Tamil Nadu

Different types of deeds attract different rates of stamp duty and registration fees. It is important for buyers to be aware of the rates applicable to the type of deed they are executing. Below is a detailed table showing the rates for various types of deeds:

Deed Type	Stamp Duty	Registration Charges
Exchange Deed	7% of the market value of the property.	4% of the market value of the property.
Gift Deed	7% of the market value of the property.	4% of the market value of the property.
Sale/conveyance Deed	7% of the market value of the property	4% of the market value of the property.
Simple Mortgage Deed	1% of loan amount subject to a maximum of Rs. 40,000	1% of loan amount subject to a maximum of Rs. 10,000
Mortgage with Possession Deed	4% of the loan principal amount.	1% to a maximum of Rs. 2,00,000
Lease Deed (below 30 years)	1% of the total rent, premiums, fines, etc.	1% subject to a maximum of Rs. 20,000
Lease Deed (Up to 99 years)	4% of the total rent, premiums, fines, etc.	1% subject to a maximum of Rs. 20,000
Lease Deed (Above 99 years or perpetual lease)	7% of the total rent, premiums, fines, etc.	1% subject to a maximum of Rs. 20,000
General Power of Attorney (for the sale of an immovable property)	Rs. 100	Rs. 10,000
General Power of Attorney (for the sale of an immovable property given to family member)	Rs. 100	Rs. 1,000
General Power of Attorney (for the sale of a movable property)	Rs. 100	Rs. 50
General Power of Attorney (when power is given for consideration)	4% on the consideration value	1% on consideration or Rs. 10,000, whichever is higher
Settlement in favour of family members	1% of the market value of a property, subject to a maximum of Rs. 25,000	1% on the market value of the property, subject to a maximum of Rs. 4,000
Other Cases of Settlement	7% of the market value of a property	4% of the market value
Release among family members	1% of the market value of a property, subject to a maximum of Rs. 25,000	1% on the market value of the property, subject to a maximum of Rs. 4,000
Release in between non-family members	7% on the market value of a property	1% on the market value of the property
Partition among family members	1% of the market value of a property, subject to a maximum of Rs. 25,000 for each share	1% subject to a maximum of Rs. 4,000 for each share
Partition among non-family members	4% of the market value of a property for separated shares	1% on the market value of the property for separated shares
Partnership deed (Where the capital does not exceed Rs. 500)	Rs. 50	1% on the capital invested
Partnership deed (Other cases)	Rs. 300	1% on the capital invested

What are the Registration Charges in Tamil Nadu in 2025?

For all cities and towns across Tamil Nadu, the registration charges are fixed at 4% of the market value of the property. This ensures uniformity and transparency in property transactions. However, in a positive move to encourage female property ownership, the Tamil Nadu government has introduced a concession from April 1, 2025. Women buying property valued up to Rs. 10 lakh will now only have to pay 3% as registration charges instead of 4%.

How To Calculate Stamp Duty in Tamil Nadu?

Calculating stamp duty is straightforward as it is based on the percentage of the market value of the property. Let us understand this through a practical example.

Assume a buyer named Rajarshi purchases a property worth Rs. 60,00,000. The stamp duty applicable is 7% and the registration charges are 4%. Here's how it is calculated:

Stamp duty: Rs. 60,00,000 x 7% = Rs. 4,20,000
Registration charges: Rs. 60,00,000 x 4% = Rs. 2,40,000
Total payable: Rs. 6,60,000

This total amount is necessary to ensure the property ownership is legally registered and recorded in the government database.

How to Pay Stamp Duty in Tamil Nadu?

There are two ways to pay the stamp duty in Tamil Nadu—online and offline. Here is how you can do both:

Payment of Stamp Duty in Tamil Nadu Online

To pay online:

Visit the SCHIL (Stock Holding Corporation of India Limited) website.
Click on the 'e-Stamping' tab and choose 'Tamil Nadu' from the list of states.
Download the 'Application Form for Stamp Duty Payment'.
Fill in the form and take a printout.
Visit the nearest Stock Holding e-Stamping counter.
You can make the payment through NEFT, RTGS, direct bank transfers, and other accepted modes.

Payment of Stamp Duty in Tamil Nadu Offline

For offline payments:

Buy a stamp paper from a government-authorised treasury or use the franking method.
Visit the local sub-registrar’s office.
Fill out the application for stamp duty payment.
You can pay using NEFT, RTGS, debit card, credit card, or even in cash.

Exemptions & Concessions on Stamp Duty in Tamil Nadu

The Tamil Nadu government has introduced multiple concessions and exemptions to encourage equitable and fair property ownership. These are aimed at promoting agriculture, low-income housing, and family-based property transfers. The exemptions include:

Purchasing Agricultural Land

When buyers purchase land intended solely for agricultural purposes, they may be eligible for concessions in stamp duty and registration fees. This initiative is designed to support and boost agricultural development in the state.

Affordable Housing for the Poor

Under government housing schemes for economically weaker sections and lower-income groups, buyers may receive full or partial exemptions from stamp duty and registration fees. This makes homeownership more accessible for underprivileged families.

Transfers Among Family Members

In cases such as gift deeds, releases, settlements, or partitions made within families, the government provides lower stamp duty and capped registration fees to reduce financial burden on families transferring property among themselves.

Stamp Duty and Registration Charges in Tamil Nadu 2025 is important for any property transaction in the state. With fixed rates, gender-based concessions, and clear procedures for different deed types, buyers can better plan their expenses and ensure compliance with state laws.

FAQs

Q1. What are the current stamp duty and registration charges for property purchases in Tamil Nadu in 2025?

Ans. In 2025, Tamil Nadu levies a stamp duty of 7% and a registration charge of 4% on the market value of the property for most transactions. However, from April 1, 2025, women buying property worth up to Rs. 10 lakh enjoy a 1% concession in registration charges, paying only 3% instead of 4%.

Q2. Are the stamp duty and registration rates different for men and women in Tamil Nadu?

Ans. Yes, there is a difference. While both men and women generally pay the same stamp duty of 7%, the registration fee is reduced to 3% for women buyers if the property’s value is Rs. 10 lakh or less. For properties above this value, both genders pay 4% registration charges.

Q3. How is stamp duty calculated on a property in Tamil Nadu?

Ans. Stamp duty is calculated as a percentage of the market value of the property, not the transaction value. For instance, if a property is valued at Rs. 60 lakhs, stamp duty will be 7% of Rs. 60,00,000, which amounts to Rs. 4,20,000, and registration charges at 4% would be Rs. 2,40,000.

Q4. What is the procedure to pay stamp duty online in Tamil Nadu?

Ans. To pay stamp duty online in Tamil Nadu, visit the SCHIL (Stock Holding Corporation of India Limited) website. Select 'e-Stamping' and choose 'Tamil Nadu'. Download and fill the stamp duty payment application form and submit it at the nearest e-Stamping counter. Payment can be made via NEFT, RTGS, or bank transfers.

Q5. What concessions are available for family-related property transactions?

Ans. For transactions like gift deeds, settlements, or releases among family members, the Tamil Nadu government offers significant concessions. For example, stamp duty can be as low as 1% of the property value (capped at Rs. 25,000), and registration charges are capped at Rs. 4,000, reducing the financial burden for intra-family transfers.

Q6. Are there exemptions in stamp duty for agricultural or affordable housing purchases?

Ans. Yes, Tamil Nadu provides stamp duty concessions for agricultural land if it is used solely for farming. Similarly, for affordable housing under state government schemes, low-income families may receive partial or full exemptions from stamp duty and registration charges to encourage home ownership.

Q7. Can I pay stamp duty in Tamil Nadu offline, and how?

Ans. Yes, you can pay offline. Buy a stamp paper from the treasury or use franking at authorized banks. Then, visit the Sub-Registrar’s Office, fill the required form, and pay through NEFT, RTGS, debit/credit cards, or cash. Ensure the payment is recorded properly for legal registration of the property.