Stamp Duty & Registration Fees in Mumbai (Maharashtra) – Rates & How to Pay

Buying property in Chennai, whether it’s a 1BHK apartment in Anna Nagar or a villa in ECR, doesn’t end with just the sale price. One of the biggest surprises for first-time buyers comes in the form of stamp duty and property registration fees, which can add up to 8%–11% of the total property value. And no, these costs are also not optional extras. They’re mandatory state-level charges that can delay your sale deed registration if ignored or miscalculated.

This guide clarifies property registration in Chennai. It covers current stamp duty rates, registration fees for flats and land, how charges are calculated, and the steps for both online and offline registration processes. 

What is Stamp Duty and Why is It Charged on Property Registration in Chennai?

Stamp duty is a tax imposed by the Tamil Nadu state government on property transactions, just like all other states in India. It is calculated as a percentage of the property's market or guideline value (whichever is higher) and must be paid to make the transaction legally valid.

Registration fees, on the other hand, are charged to officially record the transaction in the government’s property database. They ensure every property ownership is legally documented and enforceable in court.

In Chennai, stamp duty and registration charges are applicable on all types of property transactions. This includes sale, gift, lease, exchange, and mortgage deeds. Failing to pay either can make the registration void and leave you without any legal claim on the property, even if you’ve paid the full price.

How Much is the Stamp Duty for Property Registration in Chennai (2026)?

As per the Tamil Nadu Registration Department, the stamp duty for property registration in Chennai is currently fixed at:

That’s a combined 11% charge, which can be substantial depending on the property's price.

For example: If you're buying a flat valued at ₹60,00,000, expect to pay:

Stamp Duty: ₹4,20,000
Registration Fee: ₹2,40,000
Total Charges: ₹6,60,000

Do note:

• These charges apply uniformly to residential, commercial, and land transactions unless exemptions apply
• For gift deeds to family members, lower stamp duty may be available
• Women buyers in some cases may get reduced rates on registration (subject to value limits or government notifications)

Disclaimer: All example calculations mentioned are for illustrative purposes only. Actual stamp duty and registration fees may differ based on property type, location, and applicable laws. Please consult official sources or legal experts before making financial decisions.

What is the Property Registration Charge for Flat or Land in Chennai?

The registration fee for property in Chennai is typically 4% of the property's value (either guideline or sale value — whichever is higher). This fee is charged in addition to the 7% stamp duty and is paid to the sub-registrar at the time of registering the sale deed.

Key points:

• Residential property registration fee: 4% of the property's market/guideline value
• Land or plot registration: Same 4%, unless part of exempted categories (e.g., agriculture or temple lands under certain contexts)
• Gift deed registration: Usually also 4%, but lower if gifted within blood relatives in specific categories
• Maximum and minimum thresholds: Tamil Nadu does not currently cap the amount — registration fees scale proportionally with the property value

Pro tip: Always calculate this fee based on the government guideline value, especially in areas like Velachery or Tambaram where the guideline value can be higher than the negotiated sale price.

How is Stamp Duty Calculated in Chennai? (Market Value vs Guideline Value)

The amount you pay in stamp duty and registration fees in Chennai is not always based on your final deal price. Instead, it’s calculated on the higher of two values:

• The transaction value (the price agreed between buyer and seller), or
• The guideline value (also called the “ready reckoner rate”) set by the Tamil Nadu government for that area

This means even if you negotiate a great deal, you could end up paying stamp duty on a higher value if the guideline rate is above your transaction amount.

Example Calculation:

Suppose you’re buying a flat in Perungudi:

• Sale value: ₹45,00,000
• Guideline value: ₹50,00,000

You’ll be taxed on ₹50,00,000:

• Stamp duty @ 7% = ₹3,50,000
• Registration fee @ 4% = ₹2,00,000
• Total: ₹5,50,000

You can check the guideline value of any property through the TNREGINET portal before finalizing your deal. This helps you anticipate the actual costs and avoid surprise overruns.

Disclaimer: All example calculations mentioned are for illustrative purposes only. Actual stamp duty and registration fees may differ based on property type, location, and applicable laws. Please consult official sources or legal experts before making financial decisions.

What is the Stamp Duty & Registration Charge for Different Types of Property Documents?

Not all property transactions are sale-based. Each type of property document comes with its own stamp duty and registration structure in Chennai. Here’s a quick overview:

Make sure your document type is correctly classified during registration. Even minor errors may lead to penalties, or worse, legal invalidation later.

What is Property the Process for Registration in Chennai – Step-by-Step Guide

Here's a clear step-by-step outline of how to register your property in Chennai after finalizing your sale or deed:

1. Document Preparation

• Draft the sale deed/gift deed with a lawyer or document writer
• Ensure it reflects the correct market or guideline value

2. Calculate Applicable Fees

• Use TNREGINET portal to find the guideline value
• Compute the stamp duty and registration fees based on the higher value

3. Payment of Stamp Duty

• Pay stamp duty via online challan (through TNREGINET or designated banks) or through e-stamp vendors

4. Visit Sub-Registrar Office

• Book a slot online
• Visit the correct jurisdictional SRO with seller, buyer, and witnesses

5. Execute the Deed

• Sign the deed in front of the sub-registrar
• Biometric verification and photographs are taken

6. Collect the Registered Document

• After verification and scanning, receive the digitally registered deed (may take a few days)

Required documents:

• Original sale deed
• Encumbrance certificate
• Latest property tax receipt
• ID & address proof of buyer and seller
• Passport-size photos
• PAN card & Aadhaar (mandatory)

Online Payment of Stamp Duty & Property Registration Fees in Chennai

Tamil Nadu has made the process easier through TNREGINET — an official online portal where you can calculate, pay, and book appointments for property registration.

How to pay stamp duty and registration fee online:

1. Visit https://tnreginet.gov.in
2. Register/login as a user
3. Navigate to “Create Document” → Fill in property & party details
4. System will auto-calculate stamp duty + registration fees
5. Make payment through authorized banks/net banking or generate a payment challan
6. Take the receipt to the Sub-Registrar office during your scheduled appointment

Note: Online payment doesn’t complete registration. You still need to physically appear for execution of the deed.

This online system is helpful for:

• Time saving & queue reduction
• Transparent calculation
• Digital record tracking for future reference