Kolkata Stamp Duty and Registration Charges 2025

Investing in real estate is not just about selecting the perfect home or the right location; it also involves understanding the legal and financial formalities associated with the purchase. One crucial component is stamp duty and registration charges. If you are planning to buy a home in Kolkata, being informed about the charges will help you plan your budget effectively.

This blog explains everything about stamp duty and property registration charges in Kolkata, including current rates, factors affecting them, and how to calculate the final cost.

What is Stamp Duty?

Stamp duty is a form of tax levied by the state government on the transaction of property. It acts as legal evidence of property ownership and must be paid to get the property registered in your name. In Kolkata, stamp duty charges vary depending on the property’s value and location.

What are Registration Charges?

Along with the stamp duty, the property registration charges in Kolkata must also be paid to register the property legally with the local municipal authority. This process records the transaction in government records, offering protection and ownership rights to the buyer.

Stamp Duty and Registration Charges in Kolkata (as per 2025)

The stamp duty charges in Kolkata are determined by the Government of West Bengal and are influenced by the property’s market value, location (urban/rural), and the buyer’s gender. 

Property Location	Property Value	Stamp Duty	Registration Charges
Within KMC Area	Below ₹1 crore	4%	1%
Within KMC Area	Above ₹1 crore	5%	1%
Outside KMC Area	Below ₹1 crore	3%	1%
Outside KMC Area	Above ₹1 crore	4%	1%

Concession for Women Homebuyers

In an effort to encourage female homeownership, the West Bengal government offers a 1% concession in stamp duty for women buyers. For example, if the stamp duty is 5% for the male buyer, it will be 4% for a female buyer for the same property.

Factors Affecting Stamp Duty and Registration Charges

Calculating stamp duty for flat registration in Kolkata, the key factors come into play

1. Location of the Property: Whether it falls under KMC limits or outside determines the rate.
2. Market value of the Property: The higher the value, the higher the stamp duty.
3. Gender of the Buyer: Women enjoy lower stamp duty charges.
4. Property Type: Residential vs commercial usage may impact charges

How to Calculate Your Stamp Duty & Registration Charges?

Let’s take an example: if you are buying a property in Kolkata valued at ₹80 lakh:

• Stamp Duty (within KMC area): 4% of ₹80,00,000 = ₹3,20,000
• Registration Charges: 1% of ₹80,00,000 = ₹80,000
• Total Charges: ₹4,00,000
• For women buyers, the stamp duty would be 3%, making the total ₹3,20,000.

How To Pay Stamp Duty and Registration Fees in Kolkata

• Visit the WB Registration Portal: https://wbregistration.gov.in
• Enter the property details, fill in the necessary fields like market value, buyer details, location, etc.
• The system will auto-calculate stamp duty and registration charges
• Pay online via net banking or through an authorized bank challan
• Schedule an appointment to visit the Sub-Register Office with all necessary documents

Tips Before Paying Registration and Stamp Duty in Kolkata

• Verify the circle rate of your property location through the WB Registration website.
• Ensure the property title is clear and free of any legal disputes
• Consult a legal or real estate expert to avoid errors in valuation
• Keep physical and digital copies of the stamp duty receipt and registration deed

Why Choose Sugam Homes for Your Property Investment?

Sugam Homes not only helps you find your dream home but also ensures that the legal and financial aspects of the buying process are transparent and hassle-free. Whether you are a first-time home buyer or looking to upgrade your lifestyle, we offer premium residential projects across prime locations in Kolkata like New Town, Salt Lake, Rajarhat, and more.

Final Thoughts

Understanding the registration and stamp duty in Kolkata is vital to avoid last-minute surprises during your home-buying process. These charges, though mandatory, are a small price to pay for securing the legal ownership of your dream home.

Sugam Homes is widely trusted as the best real estate company in Kolkata. If you are planning to buy an ideal flat with full transparency and professional guidance. Sugam Homes provides you residential projects and takes the next step towards smarter property investment.