Stamp Duty & Property Registration Charges in Gujarat - Kotak Bank
  • Personal
  • Business
  • Corporate
  • Private Banking
  • Privy League
  • NRI Services
  • Investors
  • Personal
  • Business
  • Corporate
  • Private Banking
  • Privy League
  • NRI Services
  • Investors
Apply Now
18 JUNE, 2021

Purchasing a house comes with numerous expenses apart from the actual cost of buying one. Stamp duty and registration fees are among such charges that are mandatory in India. However, based on the location of the purchased property, the amount you need to pay can differ. If you are planning to buy a property in Gujarat, then it is important you are aware of the stamp duty and registration charges applicable on property purchase.

What Are Stamp Duty and Registration Charges?

Stamp duty is a tax that you need to pay on the purchase of a property anywhere in India. Every State government charges a fixed percentage of stamp duty on the market value of the property. Thus, stamp duty isn’t uniform across the country. On paying this tax, you can legalise your property documents, which can be produced in the Court of Law. At the same time, you also need to pay registration charges to get the house registered to your name. This amount is also decided by the State government and can differ for males and females.

Types of Stamp Duty in Gujarat

Types Of Transactions That Require Stamp Duty

The Indian Stamp Act of 1899 governs the taxation of various transactions using stamps. Section 3 of the Act outlines the regulations for payment of stamp duty in Gujarat on instruments, including those related to property, shares, debentures, bills of exchange, conveyance deeds, hire purchases, promissory notes, and movable and immovable assets.

Calculation Of Stamp Duty Based On The Type Of Transaction

The transaction value primarily determines the Gujarat stamp act on a property transaction. District administrations set a standard rate for the property, and transactions cannot be registered below this rate. Even if a property is purchased below the circle rate, the stamp duty is calculated on the circle rate value. If you want an easy way to calculate stamp duty rates in Gujarat, use the stamp duty calculator Gujarat.

Different Types Of The Stamp Duty In Gujarat

Registration Fees

Registration Fees

Registration Fees


Transfer of the lease right



Lease deed 1 – 10 years



Sale Deed or gift deed stamp duty in Gujarat



Mortgage deed without the possession



Deed for exchange on the value of the property


How Is Stamp Duty Calculated in Gujarat?

The stamp duty in Gujarat is calculated based on the market rate of the property you purchase. But many other aspects are also considered while deciding the tax you must pay.

The stamp duty in Gujarat is calculated based on the market rate of the property you purchase. But many other aspects are also considered while deciding the tax you must pay. Some of these factors are the age and gender of the buyer, type, and location of the property, amenities available, usage of the property, etc. Below, you can find the fixed rate of stamp duty and registration charges that the Gujarat State government has set:



Stamp Duty Charges

Registration Fees

Male Homebuyers




Female Homebuyers

No charges applicable

Read More: How You Calculate Stamp Duty Charges Using Kotak Bank's Online Stamp Duty Calculator

How to Pay Stamp Duty in Gujarat?

In Gujarat, you can choose to complete stamp duty payment with the help of a paper-based method, e-stamping, or franking. For the paper-based process, you can purchase stamp papers from an authorized seller and pay the fees. An alternate way for stamping is by visiting a bank or a franking centre to pay the stamp duty via franking. If you want to complete the payment through e-stamping, several banks, stamp vendors, notaries, etc. facilitate this. Hence, you can easily make stamp duty payments without much hassle.

Property Registration Process in Gujarat

The Gujarat government allows property owners to register their land or property online. This is done through a website called Garvi. Here is how you can use it to register your property:

  • Log on to the website
  • Select the ‘Model Draft’ option on the main page of the website. Download the right draft and fill it appropriately.
  • Return to the home page and click on the option of ‘Public data entry’.
  • At the new page you reach, read the given information and select the ‘I Agree’ option to proceed. Select the ‘Pre Registration Data Entry’ tab to continue with the process.
  • When you reach the page, complete the prompt of ‘Start registration new data entry’. Once, you have entered all the details required, click on the ‘Submit registration details’ tab to proceed.
  • This means that you registered on the website and can now go for property registration.
  • To register your property, you have to go through filling the right details for multiple pages. These pages include ‘Presentation step 1’, ‘Payment details’, ‘Party details’, ‘Payment status’ and some others.
  • After you have completed the payment, you will receive a challan copy by pressing the ‘Print details’ button.
  • You will get a 13-digit number and you have to save it for future reference. You can take a printed copy of the e-challan for any reference in the future.
  • Then you just have to submit the printout and the 13-digit number along with other documents at the Sub-registrar’s office at the time of your appointment.

How to fill E Stamping Application form Gujarat

  • To use e-stamping, visit the official website of SHCIL and select "e-Stamp services."
  • If your state offers e-stamping, select it from the dropdown list and download the relevant application form from the "Downloads" tab.
  • Please fill out the form and submit it with the property registration charges in Gujarat for the stamp certificate.
  • E-stamping is available for select states in India, and citizens are encouraged to use it during the pandemic.

Read Similar: Patta Chitta: Meaning, Apply Now, Check Status & Validity

What are the Documents Required for Stamp Duty Payment in Gujarat?

Below are the documents that you can keep handy while paying stamp duty and property registration charges in Gujarat:

  • Sale agreement and deed
  • Builder buyer agreement
  • Original copy of the power of attorney
  • Identity proofs such as PAN Card, passport, driver’s license, etc., of both buyer and seller
  • Khata certificate
  • Proof of payment made to the seller

Are there any tax benefits that you can claim for stamp duty and property registration charges in Gujarat?

Yes, you can avail of tax benefits under Section 80C of the Income Tax Act on stamp duty and registration fees paid in Gujarat.

What would happen if you do not make a stamp duty payment?

By failing to pay stamp duty or showing your real estate at an undervalued rate, you could be penalised with a hefty fine.

Therefore, knowing everything about the stamp duty and registration charges will help you plan better before buying a house in Gujarat and financing your needs with a home loan.

Recent Updates and Changes in Stamp Duty Act in Gujarat

The Gujarat government is expected to reduce stamp duty and registration fees following a significant revision in Jantri rates, which will be applicable from April 15. The proposal is currently under consideration, and a revised finance bill with new charges is expected to be introduced in the budget session in 2023.

Factors That Affect Stamp Duty in Gujarat

Below are the following factors the influence mortgage stamp duty in Gujarat.

  • Age of the property
  • Age and gender of the owner
  • Location of the property
  • Amenities near the location
  • purpose of the property transaction

To ensure a smooth property transaction in Gujarat, property owners must remember a few key points. Firstly, timely payment of stamp duty is essential, as it remains valid for six months in the case of domestic documents and three months for foreign records. Additionally, it is the buyer's responsibility to pay the stamp duty, not the seller's.

Read more: Bhulekh: A Complete Guide, Definition, Benefits, & Change Name Online

Latest Comments

Leave a Comment

200 Characters

Read Next

Bank vs. HFC: What Should You Choose for Your Home Loan?


Stamp Duty & Property Registration Charges in Chennai, Tamil Nadu


What is Prime Lending Rate? Meaning, Characteristics in Banking & Importance

Load More

Disclaimer: This Article is for information purpose only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank make no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.