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Calculate stamp duty and registration cost for rent agreements.
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Stamp duty is levied on the total rent payable over the agreement period (typically 11 months for typical residential agreements) plus the security deposit. State-wise rate varies from 0.1% to 2%.
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Telangana: 1% (e-stamping mandatory). Karnataka: 1% stamp + 1% registration. Tamil Nadu: 1% (e-stamping). Maharashtra: 0.25% (up to 5 years) — franking alternative. Delhi: 2% stamp duty + 1% registration. Gujarat: 0.5%.
E-stamping via SHCIL (Stock Holding Corporation of India Limited) is mandatory in Telangana, Karnataka, Tamil Nadu, UP, and several other states. Physical stamp paper has been discontinued in these states. Franking is an alternative in Maharashtra and Gujarat.
Agreements for 11 months or less do not require registration (optional). Agreements of 12 months and above must be registered to be admissible as evidence in court. Registered agreements also serve as proof for HRA exemption claims.
For salaried employees, the rent agreement is required evidence for HRA exemption. Annual rent exceeding ₹1,00,000 — landlord's PAN must be declared. The employer may require submission of the registered agreement as part of the HRA proof.
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Compare old and new tax regime for FY 2025-26 (AY 2026-27). See which saves you more.
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