Stamp Duty and Registration Charges in Tamil Nadu

This guide explains the current stamp duty and registration charges in Tamil Nadu, how to calculate them using market or guideline value, deed wise rates, concessions notified for women buyers, and online payment through the TNREGINET portal.

In addition, stamp duty plays a critical role in property and Business Loan transactions, as it governs the legal recognition and enforceability of loan agreements and collateral arrangements.

Also Read: What is Business Loan: A Complete Guide

What is Stamp Duty and Registration Charges in Tamil Nadu?

Stamp duty is a state tax on instruments such as sale, gift, lease and mortgage deeds. Registration charges are the fees paid to record the instrument in government land records under the Registration Act, 1908. Together they validate ownership and create an enforceable public record.h

Latest Stamp Duty and Registration Charges Rates in Tamil Nadu (2025)

As of 2025, in Tamil Nadu sale/conveyance (conveyance) transactions generally attract 7% stamp duty and 4% registration fee calculated on the market or guideline value (whichever is higher). From 1 April 2025 a concession applies for women buyers: if a property valued up to ₹10 lakh is registered in a woman’s name, the registration fee is reduced by 1% (i.e., becomes 3%).

Stamp Duty Rates by Deed Type in Tamil Nadu

Also Read: Stamp Duty and Registration Charges

How to Calculate Stamp Duty and Registration Charges in Tamil Nadu?

Use the higher of agreement and guideline value. Multiply by 7% for duty and 4% for registration, or apply deed specific rates and concessions.

Example: Market value ₹50,00,000, sale deed. Duty 7% = ₹3,50,000. Registration 4% = ₹2,00,000. Total statutory cost = ₹5,50,000.

Note- These are indicative rates. Please check via TNREGINET our your sub registar office.

How to Pay Stamp Duty and Registration Charges in Tamil Nadu?

Online: Use the TNREGINET portal to view guideline value, compute charges, create an e-Payment application and pay via net banking. Download the e-Receipt and carry it to the Sub-Registrar Office for registration.

Offline: Generate challan and pay at authorised bank counters, then submit receipts at the Sub-Registrar Office along with documents and complete biometrics.

Why are Stamp Paper and Registration important for Business Loans?

Stamp paper and registration are important for Business Loans because they provide legal validity to the loan agreement and protect the interests of both the borrower and the lender. Loan documents executed on the proper value of stamp paper ensure that the contract is enforceable in court, reducing the risk of disputes in the future. Registration adds an additional layer of authenticity by officially recording the loan or collateral charge with the relevant authority. For secured business loans, such as Loans Against Property or commercial purchase loans, proper stamping and registration are essential to establish the lender’s rights over the asset. Together, these steps create a transparent and legally sound foundation for business borrowing.

Apply now for a Business Loan.

FAQs

Q.1. What is the difference between market value and agreement value for stamp duty calculation in Tamil Nadu?

A. Duty uses the higher of the two, guided by district guideline values.

Q.2. Can stamp duty and registration charges be paid separately in Tamil Nadu?

A. Yes. The e-payment system supports paying duty and fees online or via bank challan.

Q.3. How often does Tamil Nadu revise its stamp duty rates?

A. Rates are notified by the state; guideline values may be revised and processes are updated on the portal.

Q.4. Can NRIs pay stamp duty and registration charges online in Tamil Nadu?

A. Yes. Portal services support citizen login and online payments.

Q.5. What documents are needed to complete registration after paying stamp duty?

A. Identity proofs, property particulars, draft deed, encumbrance checks and e-payment receipts for duty and registration.

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