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Tamil Nadu · Land Records

Stamp Duty & Registration Charges

Stamp duty in Tamil Nadu is the state tax payable on property transfer documents (Sale Deed, Gift, Mortgage, etc.) to make them legally enforceable. Per the official TNREGINET Duty and Fees schedule, Conveyance (Sale) attracts 7% stamp duty on the market value or guideline value (whichever is higher), plus a 2% registration fee — total 9% of the property value. Stamp duty is calculated and paid via the TNREGINET portal before registration at the Sub-Registrar Office.

Per the TNREGINET Duty and Fees schedule, Tamil Nadu Conveyance (Sale) attracts 7% stamp duty + 2% registration fee on market or guideline value (whichever is higher) — totalling 9%.

Source: TNREGINET Duty and Fees schedule, Tamil Nadu Registration Department

Cost
Conveyance (Sale): 7% stamp duty + 2% registration = 9% of market or guideline value (higher). Per the official TNREGINET Duty and Fees schedule. Women-buyer concessions may apply — verify on the portal.
Processing time
E-Stamp generation: instant. SRO appointment: 1–7 days. Registration: same-day at SRO.

How to calculate and pay Tamil Nadu stamp duty

Procedure to estimate, pay, and file stamp duty for a Tamil Nadu property registration via TNREGINET.

  1. 1

    Determine the higher of market value vs guideline value

    Stamp duty is calculated on whichever is higher: the agreed sale value or the government-fixed guideline value for the SRO/village. Look up the guideline value via TNREGINET before agreeing on price.

  2. 2

    Use the TNREGINET stamp-duty calculator

    Visit https://tnreginet.gov.in/portal/ and use the stamp-duty calculator: 7% stamp duty + 2% registration = 9% of the qualifying value (per the TNREGINET Duty and Fees schedule).

    Open portal
  3. 3

    Check for women-buyer concessions

    Tamil Nadu has announced concessional registration rates for women buyers under specific value thresholds. Confirm current applicability and exact percentages on the TNREGINET portal before relying on a discounted rate.

  4. 4

    Pay via e-Stamping or DD

    Stamp duty can be paid via e-Stamping (online) or Demand Draft. Generate the e-Stamp certificate from the TNREGINET portal.

  5. 5

    Register at the Sub-Registrar Office

    Schedule registration at the relevant SRO with the Sale Deed, e-Stamp certificate, identity proofs, photographs, and witnesses. Registration is mandatory within 4 months of execution.

Red flags to catch before signing

These are the patterns that break deals if missed.

  • Sale agreement value is below the guideline value — stamp duty is calculated on the higher guideline value, not the agreed price; budget accordingly.
  • Property is registered at a value much below market rate to evade stamp duty — Income Tax Department may treat the difference as deemed gift, triggering tax.
  • Stamp duty paid but registration is delayed beyond 4 months — stamp paper can become invalid or attract penalty.
  • Sale Deed clauses include hidden consideration (cash component) — registration based on partial value is illegal and creates future title risk.
  • Buyer is relying on a women-buyer concession without confirming current TNREGINET rates and value thresholds — concessions change with state budgets; verify before assuming the lower rate.

When manual stops scaling

A single stamp-duty calculation is one form-fill. Acquisition teams modeling deal economics across 20+ active leads — comparing guideline vs market, factoring women-buyer concessions, modelling impact of guideline-rate hikes — repeat the calculation manually for every revised offer. Proquiro models stamp-duty cost in deal-feasibility calculations automatically and refreshes when guideline values change.

Common Questions

Stamp Duty & Registration Charges
FAQ

What is the current stamp duty in Tamil Nadu?

Per the TNREGINET Duty and Fees schedule, Conveyance (Sale) attracts 7% stamp duty on the market value or guideline value (whichever is higher).

A 2% registration fee is payable separately, bringing the total transaction cost to 9% of the property value.

Do women get a stamp duty concession in Tamil Nadu?

Tamil Nadu has announced concessional registration rates for women buyers under specific value thresholds. Stamp duty (7%) itself does not have a gender-based concession.

Because rate schedules change with state budgets, confirm current concession percentages and value caps directly on the TNREGINET portal before relying on a discounted figure.

Is stamp duty calculated on the sale agreement value or guideline value?

Whichever is higher. If the agreed sale price exceeds the guideline value for the SRO/village, stamp duty is on the sale price. If the guideline value is higher, stamp duty is on the guideline value.

This prevents under-valuation but means buyers in fast-rising micro-markets may pay duty on the inflated guideline value even when their negotiated price is lower.

How do I pay Tamil Nadu stamp duty online?

Use the TNREGINET portal's e-Stamping flow. Calculate the duty using the built-in stamp-duty calculator, generate an e-Stamp certificate, and pay via net banking, UPI, or DD.

The e-Stamp certificate must be presented at the Sub-Registrar Office during registration.

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