Stamp Duty and Property Registration Charges in Kerala
Stamp duty and property registration are mandatory steps in the property purchase process in Kerala. These charges hold legal significance as they validate ownership and transfer rights. The stamp duty Kerala is a tax levied by the state government when a property is transferred through a registered document. The property registration charges Kerala are additional fees paid to register the property with the local sub-registrar office. Together, these ensure the transaction is recognised under Indian law.
Kerala Stamp Duty Rates and Property Registration Fees 2025
The Kerala stamp duty rates 2025 and Kerala property registration fee are calculated based on the property type and buyer profile. Below is a table that outlines the standard charges:
| Type of Buyer/Property | Stamp Duty Rate | Registration Fee |
| Male Individual | 8% | 2% |
| Female Individual | 8% | 2% |
| Joint (Male + Female / Female + Female) | 8% | 2% |
| Joint (Male + Male) | 8% | 2% |
| Gift Deed to Family Members | ₹2 per ₹1000 | 1% of fair value |
These percentages are applied on the higher of the consideration value or the market value of the property.
Also Read: Property Ownership: Types, Rules and Expert Guidance
How to Calculate Stamp Duty and Registration Charges in Kerala?
To understand how to calculate stamp duty Kerala, follow these steps:
- Identify the market value or sale consideration of the property
- Choose the higher of the two values
- Apply the stamp duty rate and registration fee to the chosen value
Step-by-Step Guide to Paying Stamp Duty and Registration Charges in Kerala
Online Payment Method
- Visit the Kerala Registration Department portal
- Fill in the required details, such property type, buyer, seller, area etc.
- Pay via net banking, UPI or debit card
- Download the e-stamp certificate
- Schedule an appointment with the local sub-registrar office
- Carry original documents and e-stamp receipt for verification
Offline Payment Method
- Purchase non-judicial stamp paper from authorised vendors
- Alternately, opt for franking through designated bank branches or centres
- Prepare the sale deed on stamp paper
- Visit the sub-registrar office for registration
- Submit required documents and pay the registration fee
Ensure the document is signed by both buyer and seller in the presence of the registrar.
Important Legal and Procedural Considerations in Kerala Stamp Duty and Property Registration
When undertaking registration, keep these Kerala property registration rules in mind:
- Buyer and seller must be present at the time of execution or cancellation of the deed
- Validity of stamp paper is 6 months from the date of issue
- Required documents: identity proof, PAN, property documents, NOC, tax receipts, building plan
- Delay in stamp duty payment may result in penalties (up to 2% per month)
- GST is applicable for under-construction properties, not on ready-to-move-in units
Also Read: Buying under-construction property? How Godrej Capital’s Design Your EMI Can Help You
FAQs
Q.1. Can I pay stamp duty using credit or debit cards in Kerala?
A. Yes, through the e-stamping portal, you can pay using debit cards or internet banking. Credit card acceptance may vary.
Q.2. Does Kerala provide any stamp duty benefits for women buyers?
A. Yes, in certain districts, women are eligible for concessional stamp duty rates or reduced registration charges.
Q.3. How long is Kerala stamp paper valid?
A. Stamp paper in Kerala remains valid for 6 months from the date of issue.
Q.4. Can banks finance stamp duty and registration charges?
A. Some banks include these charges in the total home loan value, subject to eligibility.
Q.5. What are the consequences of using fake e-stamps in Kerala?
A. Using fraudulent e-stamps is a criminal offence and can lead to legal penalties and cancellation of property rights.
Q.6. How to verify the authenticity of an e-stamp in Kerala?
A. You can cross-verify it on the SHCIL portal using the certificate number and issue date.
Disclaimer:
The contents of this article are for information purposes only and not a financial advisory. The information is subject to update, revision, and amendment and may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Godrej Capital or its Affiliates to any requirements. Godrej Capital or its Affiliates shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any decisions, financial or otherwise based on the contents and information mentioned. For more information, please visit www.godrejcapital.com.
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