Stamp Duty & Registration Charges in Chennai (2026)
By Property Point Advisory·Updated September 2026
In short
In Chennai (Tamil Nadu), stamp duty is 7% of the market/agreement value, and registration is 4% of the market/agreement value (≈11% all-in — among India's highest). Budget roughly 6–11% of the property value on top of the price for these statutory charges, and pay them at registration through TNREGINET.
What you pay, and to whom
Stamp duty and registration are state charges, not the builder's. For Chennai, expect stamp duty of 7% of the market/agreement value, with registration at 4% of the market/agreement value (≈11% all-in — among India's highest). These are calculated on the higher of the agreement value or the government guidance/circle value, so a below-guidance "deal" still gets taxed at guidance.
Registration is completed at the sub-registrar's office and increasingly initiated online via TNREGINET (https://tnreginet.gov.in).
The all-in cost, beyond the sticker price
- Base price + floor-rise / preferred-location charges (PLC)
- GST — 5% on under-construction homes (1% for affordable); nil on ready/OC-received homes
- Stamp duty & registration (Tamil Nadu)
- Legal, documentation and franking
- Society/maintenance corpus, parking, clubhouse and khata/mutation fees
A Chennai-specific note
Patta/TSLR verification and CRZ/flood-zone checks are essential on OMR/ECR.
Good to know
Questions buyers ask
How much is stamp duty in Chennai?
Approximately 7% of the market/agreement value, plus registration of 4% of the market/agreement value (≈11% all-in — among India's highest). Always confirm the current rate on TNREGINET before you register, as slabs and cess change.
Is stamp duty included in a home loan?
Usually not — most lenders fund only the property price. Keep stamp duty, registration and GST as ready cash.
Is stamp duty charged on guidance value or agreement value?
On whichever is higher. Paying below guidance value doesn't reduce the duty.
Can women get a stamp-duty concession?
Some states offer a small concession for female owners; check the current notification for Tamil Nadu.
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