Stamp Duty & Registration Charges in Andhra Pradesh – What Every Buyer Should Know
Disclaimer: The information is shared in good faith and for general informational purposes only. Ujjivan does not make any representations or warranties regarding the accuracy, completeness, or reliability of the content.
November 10, 2025
Stamp duty is a state-imposed tax collected at the time of transferring ownership of property from one person to another. When a sale, gift, or lease is executed, stamp duty ensures that the transfer is legally recorded and recognized by the state.
In Andhra Pradesh, stamp duty acts not only as a revenue source for the government, but more importantly, as a validation layer for property ownership. A property transaction that is not stamped as per prescribed rules is considered legally incomplete, meaning it cannot be used as proof of ownership in disputes, loan approvals, or future resale.
Once paid and registered, the transaction becomes a part of official land records maintained by the Sub-Registrar’s Office, protecting ownership rights from unauthorized claims or conflicts.
What Are the Current Stamp Duty Rates in Andhra Pradesh (2026)?
The Government of Andhra Pradesh currently levies 5% stamp duty on the sale or transfer of immovable property, calculated on the higher value among:
In addition to sale deeds, different legal documents also attract stamp duty. Below is a quick reference table based on common property transactions:
| Document Type | Stamp Duty (Approx.) |
| Sale of Immovable Property | 5% of property value |
| Agreement of Sale-cum-GPA | 6% |
| Construction Agreement | 5% |
| Development Agreement | 5% |
| Mortgage (without possession) | 0.5% |
| Mortgage (with possession) | 2% |
| Lease (up to 10 years) | 0.4% |
| Lease (above 10 years) | 0.6% |
| Gift Deed to Family Member | 2% |
| Gift Deed to Non-Family Member | 5% |
| Release Deed | 3% |
These rates form the base cost of formalizing property rights and vary slightly depending on the nature and structure of the agreement.
Disclaimer: The information above is shared in good faith and for general informational purposes only. We do not make any representations or warranties regarding the accuracy, completeness, or reliability of the content. Any action you take based on this information is strictly at your own risk.
What Are the Registration Charges Applicable in Andhra Pradesh?
Once stamp duty is paid, the document must be registered to record the transfer in government records. The standard registration charge in Andhra Pradesh is 1% of the property value (or guideline value, whichever is higher) for sale deeds.
| Document Type | Registration Fee |
| Sale Deed / Conveyance | 1% |
| Gift Deed to Family Member | 0.5% (subject to minimum/maximum slab) |
| Partition Deed | Flat fee (typically ₹1,000) |
| Release Deed | 0.5% (with cap) |
| Lease Documents | Usually 0.1% – 1%, depending on duration and possession terms |
| Exchange Deed | 0.5% of market value (minimum ₹1,000 to maximum ₹10,000) |
| Agreement of Sale along with GPA | ₹2,000 |
In most cases, the buyer pays both stamp duty and registration charges, unless mutually agreed otherwise in the sale arrangement.
Disclaimer: The information provided above is shared in good faith and for general informational purposes only. We do not make any representations or warranties regarding the accuracy, completeness, or reliability of the content. Any action you take based on this information is strictly at your own risk.
How Does Stamp Duty Support Property Ownership Legally?
Property ownership involves two parts:
| Element | What It Means | When It Happens |
| Title / Ownership Transfer | Legal change of ownership from seller to buyer | Completed through Sale Deed |
| Validation of Ownership | Public acknowledgment and record of the transaction | Completed through Stamp Duty + Registration |
Even if a sale deed is signed between buyer and seller, the ownership is not legally recognized until:
- Stamp duty is paid
- The document is registered at the Sub-Registrar's Office
This registration:
Without stamp duty and registration, ownership remains disputed, unclear, or voidable in court.
Are There Additional Duties Like Transfer Duty in Andhra Pradesh?
Along with stamp duty and registration charges, certain property transactions in Andhra Pradesh also attract a Transfer Duty. Transfer Duty is levied by local municipal bodies to update their land ownership records and confirm that the new owner becomes responsible for civic and property tax obligations.
| Charge Type | Typical Rate | Who Collects It? |
| Transfer Duty | 1.5% of property value | Local Municipal Body / Gram Panchayat |
This means the overall estimated cost of acquiring property may be approximately:
Stamp Duty (5%) + Registration (1%) + Transfer Duty (1.5%) ≈ 7.5% of property value.
How Are Stamp Duty & Registration Charges Calculated?
The government applies the principle of 'higher value applies' to avoid undervaluation during property transfers.
Two values are considered during calculation:
Stamp Duty and Registration Charges are calculated based on whichever value is higher.
How Much Will You Pay for a Property in Andhra Pradesh?
Below is an example for a property valued at ₹50,00,000 assuming the guideline value matches the sale value:
| Component | Rate | Calculation | Amount Payable |
| Stamp Duty | 5% | 5% of ₹50,00,000 | ₹2,50,000 |
Registration Charges | 1% | 1% of ₹50,00,000 | ₹50,000 |
| Transfer Duty | 1.5% | 1.5% of ₹50,00,000 | ₹75,000 |
Total Estimated Amount Payable:
₹2,50,000 + ₹50,000 + ₹75,000 = ₹3,75,000
Additional cost comparisons for different property values:
Disclaimer: The information provided above is shared in good faith and for general informational purposes only. We do not make any representations or warranties regarding the accuracy, completeness, or reliability of the content. Any action you take based on this information is strictly at your own risk.
| Property value | Stamp Duty (5%) | Registration (1%) | Transfer Duty (1.5%) | Total Payable |
| ₹30,00,000 | ₹1,50,000 | ₹30,000 | ₹45,000 | ₹2,25,000 |
| ₹50,00,000 | ₹2,50,000 | ₹50,000 | ₹75,000 | ₹3,75,000 |
| ₹75,00,000 | ₹3,75,000 | ₹75,000 | ₹1,12,500 | ₹5,62,500 |
| ₹1,00,00,000 | ₹5,00,000 | ₹1,00,000 | ₹1,50,000 | ₹7,50,000 |
Disclaimer: The information provided above is shared in good faith and for general informational purposes only. We do not make any representations or warranties regarding the accuracy, completeness, or reliability of the content. Any action you take based on this information is strictly at your own risk.
Are There Concessions or Rebates Available in Andhra Pradesh?
Andhra Pradesh does not currently offer broad stamp duty concessions for women, senior citizens, or first-time homebuyers. However, there are reduced rates for certain property transfers within families and for specific deed types, particularly to support inheritance and co-ownership restructuring.
What Documents Are Required for Property Registration?
Having all required documents ready ensures a smooth and faster registration process. Documentation covers identity verification, ownership validation, and transaction proof.
Property & Ownership Documents:
Identity Proofs:
Financial Documents:
How to Pay Stamp Duty and Complete Property Registration in Andhra Pradesh?
Payment of stamp duty can be done online or offline. But the final registration requires a physical visit to the Sub-Registrar's Office for execution and biometric verification.
A. Paying Stamp Duty Online:
- Visit the AP Stamps & Registration portal
- Generate challans for Stamp Duty, Registration Fee, and Transfer Duty
- Pay using Net Banking / Debit Card / UPI
- Print the payment acknowledgements
B. Completing Registration at the Sub-Registrar Office (SRO):
- Buyer, seller, and two witnesses appear in person
- Submit required documents at the counter
- Execute and sign the sale deed in presence of the Registrar
- Complete biometric verification (photo + thumb impression + digital signature)
- Collect registration acknowledgment
C. After Registration (Mandatory Follow-Up):
| Task | Purpose |
| Apply for Mutation in Municipality / Panchayat | Updates land revenue & property tax records in your name. |
| Update Encumbrance Certificate | Reflects the new ownership. |
| If applicable, inform Housing Society / RWA | For maintenance and utility record updates. |
How to Verify Property Details Before Paying Stamp Duty
Before executing the sale deed and paying stamp duty, verifying the property’s legal and physical status is essential. This prevents disputes, fraud, and future legal complications.
| Verification Item | Why It Matters | Where to Check |
| Encumbrance Certificate (EC) | Shows ownership history & whether the property has any loans, disputes, or claims | AP IGRS Portal / MeeSeva |
| Market Value / Guideline Value | Ensures correct stamp duty calculation | AP Registration Market Value Search Tool |
| Land Records (MeeBhoomi/Bhu Bharati) | Confirms classification, boundaries & survey details | MeeBhoomi / Bhu Bharati online portals |
| Approved Layout / Building Plan | Ensures property is legally constructed | Local Municipality / Town Planning Dept. |
| Developer / Builder Documents (if buying in an apartment) | Ensures land title is litigation-free | Ask for Mother Deed + RERA details |
Can Stamp Duty Be Refunded in Andhra Pradesh?
Stamp duty refunds are allowed only under specific circumstances where the document has not been executed or registered. Once a document is registered, the stamp duty becomes non-refundable.
Situations Where Refund May Be Allowed:
Key Rules for Refund Eligibility:
Tax Benefits and Exemptions on Stamp Duty in Andhra Pradesh
While Andhra Pradesh does not currently offer state-level exemptions or concession rates on stamp duty based on gender, age, or first-time homebuyer status, buyers can still claim tax benefits under the Income Tax Act.
Stamp duty and registration charges paid during the purchase of a residential property are eligible for deduction under Section 80C, up to a maximum limit of ₹1.5 lakh in a financial year. This benefit can be claimed only when:
This deduction is not applicable for commercial properties, resale without registration, or purchases made purely as investment plots without construction.
What Are The Common Errors & Caution Points for Stamp Duty & Registration?
Despite clear online processes, small mistakes can create major ownership complications. Here are the most common issues to watch out for:
Being aware of these pitfalls protects your rights and avoids unnecessary litigation or re-registration costs later.
Final Thoughts
Stamp duty and registration charges are more than fiscal obligations. They're the backbone of lawful property ownership. In Andhra Pradesh, where real estate activity is steadily increasing, these charges ensure that every transaction is transparent, traceable, and legally binding.
Buyers who treat these costs as part of their investment, not as an afterthought, end up with smoother transactions and fewer complications. Before finalizing a deal, double-check the circle rate, understand the applicable duties, and ensure all payments and documents are duly registered.
A few hours of diligence today can save years of hassle tomorrow — and give you complete confidence that your property is legally and rightfully yours.
Disclaimer:
The contents herein are only for informational purposes and generic in nature. The content does not amount to an offer, invitation or solicitation of any kind to buy or sell, and are not intended to create any legal rights or obligations. This information is subject to updation, completion, amendment and verification without notice. The contents herein are also subject to other product-specific terms and conditions, as well as any applicable third-party terms and conditions, for which Ujjivan Small Finance Bank assumes no responsibility or liability.
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FAQs
1. How can I check the circle rate for my locality?
Visit the official registration.ap.gov.in portal and use the 'Market Value Search' feature to find government-notified rates for your district, village, and survey number.
2. Are there any concessions for women or senior citizens?
Currently, Andhra Pradesh does not offer gender- or age-based discounts on stamp duty or registration fees.
3. Can stamp duty be paid online?
Yes. You can pay stamp duty and registration fees via the Andhra Pradesh Registration & Stamps Department’s e-payment system using challan or treasury payment.
4. What happens if the property’s declared value is lower than the circle rate?
Duties will still be calculated on the higher circle rate value, not the declared sale price.
5. How long do I have to register the property after execution?
The sale deed must be registered within four months from the date of signing; otherwise, a penalty applies for late registration.
6. Is the buyer or seller responsible for paying stamp duty?
In Andhra Pradesh, the buyer typically bears both the stamp duty and registration charges unless otherwise stated in the sale agreement.
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