Stamp duty in Andhra Pradesh is one of the most critical cost components when you buy, transfer, or register a property. Be it buying a house, getting a property as a gift, or registering land in your name, understanding the stamp duty structure helps you plan your finances better. For homebuyers who plan to take a home loan through institutions such as Grihum Housing Finance, factoring these charges becomes necessary as they add to the total upfront cost of owning the property.
In Andhra Pradesh, the stamp duty and registration charges for 2025 are clearly specified by the Andhra Pradesh Stamps and Registration Department. These charges are based on the higher of the declared property value or the official guideline value, giving buyers a clear idea of the actual cost of purchasing a property before applying for a loan.
Stamp Duty in Andhra Pradesh for 2025
In Andhra Pradesh, the stamp duty is 5% of the market value or guideline value, whichever is higher, for any sale of residential or commercial property, house, or land within the state. This is the current rate for all regular sale deeds. Since the assessment of stamp duty is always on the higher of the two values, a buyer needs to confirm the guideline value of the property ahead of beginning the preparation of the deed.
Registration Charges in Andhra Pradesh for Property Purchases
Apart from stamp duty, buyers have to pay house registration charges in AP. Charges are fixed at 1% of the property's value for a general sale deed in Andhra Pradesh. You should pay the cost of registration at the Sub Registrar's Office at the time of registration. Since it is a legal recording of the transfer of ownership, paying the fee is essential to secure a clear title.
The other key component that a buyer must consider is the transfer duty. In most municipal and development authority jurisdictions across AP, a transfer duty of 1.5 percent is collected at the time of the sale deed registration. This adds to the total value of the transaction and must be kept in mind during financial planning.
Hence, the overall standard charges for a sale deed typically amount to around 7.5% of the property value: stamp duty at 5%, registration fee at 1%, and transfer duty at 1.5%.
Gift Deed Registration Charges in AP
As it is not a monetary consideration, the charges to register a gift deed in AP are different. For a property being gifted to a family member, the stamp duty will be 2% of the property value. This is quite low compared to the 5% levied in the case of sale deeds because it is not commercial in nature.
The registration fee for a gift deed is 0.5% of the property’s value, in addition to the applicable stamp duty. It has minimum and maximum limits: 1,000 rupees and 10,000 rupees, respectively. This cap makes gift deed registration considerably cheaper, even for high-value property. These reduced charges make it easier for families to transfer property ownership without the burden of high taxes.
Also Read: What is Property Tax? - Calculation & Benefits
Land Registration Charges in AP
Land registration charges in AP for transfers through a sale deed follow a similar structure to that for residential or commercial buildings. This means stamp duty remains at 5%, the registration fee also remains at 1%, and the transfer duty is typically around 1.5%. First, a buyer should verify the guideline value of the plot before calculating the total cost of its registration.
For agricultural land, too, the same percentage values are followed; it is best, however, for buyers to confirm if the land falls under a rural jurisdiction wherein some of the local levies are different. Guideline values for agricultural land can vary significantly by region, which directly impacts the final calculation of charges.
How Charges are Calculated
Here is a simple example for a better understanding of the calculation: Suppose you are purchasing a house for 60 lakh rupees. When the guideline value is also 60 lakh rupees or below, charges are levied on 60 lakh rupees.
Stamp duty at 5% amounts to 3 lakh rupees. Registration charges at 1% amount to 60,000 rupees. Transfer duty at 1.5% amounts to 90,000 rupees. The total government charges, therefore, come to 4 lakh 50 thousand rupees.
The charges will be less if the same property is being transferred via a gift deed. Stamp duty at the rate of 2% would be 1 lakh 20 thousand rupees. Registration fee at 0.5% is 30,000 rupees, but since the maximum is capped at 10,000 rupees, the buyer pays only 10,000 rupees. In this example, the cost to register a gift deed would be 1 lakh 30 thousand rupees in total. This drastic comparison shows that, indeed, financial planning is all about understanding the type of deed and the fees associated with it.
Stamp Duty and Home Loan Planning
For buyers who plan to take a home loan, understanding these charges becomes very important. Normally, stamp duty and registration expenses are not covered under home loans, and hence buyers need to arrange these amounts separately. While assessing the eligibility for a home loan, lenders like Grihum Housing Finance consider the borrower's income, credit score, existing liabilities, and repayment capacity.
As stamp duty charges increase the upfront cost, planning of the loan amount and savings becomes more important. Rates of interest on home loans vary with market conditions and the creditworthiness of the applicant. Lower interest rates and flexible terms of repayment help borrowers manage the overall cost incurred for buying a house comfortably. However, because stamp duty in Andhra Pradesh forms a major part of the initial expenses, buyers must make provisions for such fees well in advance in their budgeting.
Also Read: Home Loans for the Self-Employed
Final Thoughts
Stamp duty levied in Andhra Pradesh, together with the registration charges, has greater significance when it comes to property dealings. Be it the land registration charges, the house registration charges, or the gift deed registration charges, being aware of the right percentages helps buyers avoid any last-minute surprises during the documentation process. On the other hand, buyers can work out both the registration cost and the home loan process with confidence by planning well and getting support from Grihum Housing Finance.
FAQs
1. What is the current stamp duty rate in Andhra Pradesh?The stamp duty rate in Andhra Pradesh is 5% of the property value.
2. How are stamp duty and registration charges calculated in Andhra Pradesh?They are calculated on the higher of the market value or agreement value, based on government-notified rates.
3. Can I pay stamp duty and registration charges online in Andhra Pradesh?Yes. Payments can be made through the IGRS Andhra Pradesh portal using online payment options.
4. What is the registration charge for property transactions in Andhra Pradesh?The standard registration charge is 1% of the property value.
5. Are there any concessions for women homebuyers in Andhra Pradesh?No. Andhra Pradesh does not offer gender-based stamp duty concessions for women buyers.
6. What is the mortgage registration fee in Andhra Pradesh?For a registered mortgage, the stamp duty is 0.5%, and the registration fee is 0.5% of the loan amount.
7. How do I check land or property registration details in Andhra Pradesh?You can verify details on the IGRS AP website using document number, year and SRO details.
8. What documents are required for property registration in Andhra Pradesh?Aadhaar, PAN, sale deed, property documents, photos, seller–buyer ID proof and encumbrance certificate are required.
9. What is the time limit for registering property after paying stamp duty?Stamp duty must be used within six months from the date of execution of the document.
10. Can I claim tax benefits on stamp duty and registration charges?Yes. These expenses are eligible for deduction under Section 80C, subject to the prescribed limit
