Stamp duty is an essential part of property transactions. It varies across different states in India and is applicable to all types of deeds or instruments of transfer, including conveyance deeds, gift deeds, and sale agreements. This article covers:
- Stamp duty in Tamil Nadu
- Registration charges in Tamil Nadu
- Stamp duty on various deeds in Tamil Nadu
What is Stamp Duty in Tamil Nadu?
Anyone involved in a property deal in Tamil Nadu must pay both stamp duty and registration fees to validate and register ownership legally. The stamp duty rates in Tamil Nadu are fixed and standardized.
However, the applicable charges may change depending on the type of deed and nature of the transaction. From 1 April 2025, the Tamil Nadu Government has introduced a concession in registration fees for women when the property value is below Rs. 10 lakh.
Stamp Duty & Registration Charges in Tamil Nadu – 2025
Stamp duty serves as a safeguard for buyers, as it records the transaction in official government books, offering protection against fraud. The table below shows stamp duty rates and registration charges based on 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% |
(These rates are calculated as a percentage of the property’s market value.)
Stamp Duty for Various Deeds in Tamil Nadu
In Tamil Nadu, different deeds attract different stamp duty rates and registration fees. Below is a breakdown of the applicable charges:
| Deed Type | Stamp Duty | Registration Charges |
| Exchange Deed | 7% of the property’s market value | 4% of the property’s market value |
| Gift Deed | 7% of the property’s market value | 4% of the property’s market value |
| Sale/Conveyance Deed | 7% of the property’s market value | 4% of the property’s market value |
| Simple Mortgage Deed | 1% of loan amount, capped at Rs. 40,000 | 1% of loan amount, capped at Rs. 10,000 |
| Mortgage with Possession Deed | 4% of the loan principal | 1%, up to Rs. 2,00,000 |
| Lease Deed (up to 30 years) | 1% of total rent, premiums, fines, etc. | 1%, capped at Rs. 20,000 |
| Lease Deed (up to 99 years) | 4% of total rent, premiums, fines, etc. | 1%, capped at Rs. 20,000 |
| Lease Deed (over 99 years or perpetual) | 7% of total rent, premiums, fines, etc. | 1%, capped at Rs. 20,000 |
| General Power of Attorney (sale of immovable property) | Rs. 100 | Rs. 10,000 |
| General Power of Attorney (sale of immovable property to family) | Rs. 100 | Rs. 1,000 |
| General Power of Attorney (sale of movable property) | Rs. 100 | Rs. 50 |
| General Power of Attorney (with consideration) | 4% of the consideration value | 1% of consideration or Rs. 10,000, whichever is higher |
| Settlement in favour of family members | 1% of market value, up to Rs. 25,000 | 1% of market value, up to Rs. 4,000 |
| Settlement (other cases) | 7% of the market value | 4% of the market value |
| Release among family members | 1% of market value, up to Rs. 25,000 | 1% of market value, up to Rs. 4,000 |
| Release between non-family members | 7% of the market value | 1% of the market value |
| Partition among family members | 1% of market value, up to Rs. 25,000 per share | 1%, up to Rs. 4,000 per share |
| Partition among non-family members | 4% of market value for separated shares | 1% of market value for separated shares |
| Partnership Deed (capital ≤ Rs. 500) | Rs. 50 | 1% of capital invested |
| Partnership Deed (other cases) | Rs. 300 | 1% of capital invested |
Registration Charges in Tamil Nadu – 2025
For property sales, the registration fee is 4% of the property’s market value across Tamil Nadu. However, effective from 1 April 2025, women purchasing property valued below Rs. 10 lakh enjoy a 1% concession, making the registration fee 3%.
How to Calculate Stamp Duty in Tamil Nadu?
Stamp duty in Tamil Nadu is levied as a percentage of the property’s market value. Here’s an example:
Suppose Rajarshi buys a property worth Rs. 60,00,000. The applicable charges are:
- Stamp Duty (7%): Rs. 60,00,000 × 7% = Rs. 4,20,000
- Registration Fee (4%): Rs. 60,00,000 × 4% = Rs. 2,40,000
Total Payable = Rs. 6,60,000 (Rs. 4,20,000 + Rs. 2,40,000)
⚠️ I noticed in your original draft, the registration fee calculation was incorrect (you wrote Rs. 60,000 instead of Rs. 2,40,000). I’ve corrected it above. ✅
How to Pay Stamp Duty in Tamil Nadu
In Tamil Nadu, stamp duty can be paid both online and offline. Below is a clear explanation of both methods:
Online Payment of Stamp Duty in Tamil Nadu
- Visit the SCHIL (Stock Holding Corporation of India Limited) website.
- Click on ‘e-Stamping’ and choose Tamil Nadu from the state list.
- Download the Application Form for Stamp Duty Payment.
- Print and fill out the form, then visit your nearest Stock Holding e-Stamping counter.
- Pay the stamp duty using NEFT, RTGS, direct account transfer, or other available modes.
Offline Payment of Stamp Duty in Tamil Nadu
- Buy a stamp paper from the treasury or use franking to get your document stamped.
- Visit the sub-registrar’s office in your locality.
- Fill out the application form for stamp duty payment.
- Make the payment via NEFT, RTGS, debit/credit card, or cash.
Exemptions & Concessions on Stamp Duty in Tamil Nadu
The Tamil Nadu government provides certain exemptions and concessions on stamp duty and registration charges based on property type and buyer category. Key concessions include:
- Agricultural Land Purchase: Reduced stamp duty and registration fees when agricultural land is bought and used solely for farming purposes.
- Affordable Housing Schemes: Exemptions on stamp duty and registration charges for housing under government schemes, especially benefiting low- and middle-income families.
- Family Gift Deeds & Other Concessions: Reduced duty rates for property transfers such as gift deeds among close family members.
Currently, Tamil Nadu charges up to 7% stamp duty and 4% registration fee, with applicable concessions providing significant relief in specific cases.
FAQ’s
What are the current property registration charges in Tamil Nadu?
In Tamil Nadu, property registration charges are generally 4% of the property’s market value. However, from 1 April 2025, women purchasing properties valued below ₹10 lakh will enjoy a concessional registration charge of 3% of the property’s market value.
What is the present stamp duty rate in Tamil Nadu?
The stamp duty rate in Tamil Nadu is up to 7% of the property’s market value. These charges may differ depending on the nature of the transaction, such as sale, lease, or gift, and the type of buyer involved.
Can stamp duty be paid by credit card in Tamil Nadu?
Yes. The Tamil Nadu State Government permits payment of stamp duty through multiple channels, including credit card, debit card, cash, cheque, demand draft, NEFT, and RTGS.
How is stamp duty and registration fee calculated in Tamil Nadu?
Stamp duty in Tamil Nadu is charged as a percentage of the property’s market value.
- For men, women, and joint ownership (male & female), the registration fee is 4%.
- From 1 April 2025, women buying properties below ₹10 lakh pay a reduced rate of 3%.
What are the stamp duty charges for a gift deed in Tamil Nadu?
For a gift deed, the stamp duty in Tamil Nadu is 7% of the property’s market value. However, when the property is gifted to close blood relatives such as parents, children, or siblings, concessions are applicable, reducing the effective cost.
Additional Related FAQs
Is stamp duty applicable on inherited property in Tamil Nadu?
No, stamp duty is not levied on inherited property. However, a nominal fee is charged for the mutation process to transfer ownership records.
Are stamp duty and registration fees the same across all cities in Tamil Nadu?
Yes, the rates are uniform across Tamil Nadu, whether in Chennai, Coimbatore, Madurai, or other districts.
Can NRIs register property in Tamil Nadu?
Yes, Non-Resident Indians (NRIs) can buy and register property in Tamil Nadu by paying the applicable stamp duty and registration charges. A Power of Attorney (PoA) can also be used if they cannot be physically present.
Is there any rebate on stamp duty for women in Tamil Nadu?
Yes. Apart from the reduced 3% registration fee on properties under ₹10 lakh, women also receive concessions in stamp duty for certain transactions like gift deeds from family members.
How can I pay stamp duty online in Tamil Nadu?
Property buyers can pay stamp duty and registration charges online through the Tamil Nadu Registration Department portal, using net banking, UPI, debit/credit cards, or online challan methods.
