Bigha to Gaj: Convert Bigha to Gaj Guide

Stamp duty and registration charges are mandatory statutory payments applicable to all property transactions in Gujarat. These charges are levied by the state government to grant legal validity to property documents and to ensure that ownership details are officially recorded in the government's land records.

For individuals purchasing residential, commercial, or land properties in 2026, understanding stamp duty and registration charges in Gujarat is crucial to accurately estimate the total investment.

These costs also play an important role for buyers planning to apply for home loan facilities, as lenders require proof of paid stamp duty and registered documents as part of the document requirements for home loan processing.

What is Stamp Duty in Gujarat

Stamp duty in Gujarat is a tax imposed on legal instruments that transfer or create rights in immovable property. It applies to sale deeds, conveyance deeds, gift deeds, lease agreements, and mortgage deeds. Payment of stamp duty ensures that the transaction document becomes legally enforceable and admissible in a court of law. Without paying stamp duty, the property document cannot be registered, and ownership cannot be legally recognised.

Stamp Duty Rate in Gujarat in 2026

The stamp duty rate in Gujarat for 2026 is 4.9 percent of the property value for general buyers. This rate includes the basic stamp duty along with the applicable surcharge. In addition to stamp duty, registration charges in Gujarat are levied at 1 percent of the property value. Together, these form the standard stamp duty and registration charges in Gujarat applicable to most property transactions across the state.

Stamp duty on property in Ahmedabad

Stamp duty on property in Ahmedabad follows the same rate structure as the rest of Gujarat. Buyers are required to pay stamp duty at 4.9 percent and registration charges at 1 percent. These charges are calculated on the higher of the agreement value or the jantri rate, which is the government-prescribed guideline value.

Stamp Duty on Property in Gujarat for Female Buyers

Stamp duty on property in Gujarat for female buyers is charged at a concessional rate of 3.9 percent. Registration charges remain unchanged at 1 percent. This concession applies only when the property is registered solely in the name of a woman.

The concession of stamp duty for ladies in Gujarat is 1 percent lower than the standard stamp duty rate. This benefit is offered by the state government to promote women’s participation in property ownership and is not applicable in joint ownership unless specifically notified.

Also Read: All About PMAY Gramin Scheme 2025: Documents, Eligibility & How to Apply Online

Registration Charges in Gujarat

Registration charges in Gujarat are fixed at 1 percent of the property value. The value considered is the higher of the sale consideration mentioned in the agreement or the jantri rate. Registration charges are mandatory and payable at the Sub-Registrar's Office to record ownership details in official land records.

Formula for Calculating Stamp Duty and Registration Charges

The formula for calculating stamp duty and registration charges in Gujarat is straightforward. First, identify the higher of the agreement value or the jantri rate. Then apply the applicable stamp duty rate, followed by registration charges.

Stamp Duty = Property Value × Applicable Stamp Duty Rate Registration Charges = Property Value × 1 percent

Many buyers use a Gujarat stamp duty calculator or a stamp duty calculator Gujarat to estimate these charges accurately and avoid calculation errors.

Mortgage Stamp Duty in Gujarat

Mortgage stamp duty in Gujarat applies when a property is mortgaged to a lender while availing financing, such as a home loan. For an equitable mortgage created through the deposit of title deeds, stamp duty is charged at 0.1 percent of the loan amount, subject to the maximum limit prescribed by the state government. This lower mortgage stamp duty in Gujarat helps reduce costs for borrowers seeking housing finance.

Land Measurement Context in Gujarat

Land measurement plays an important role in property valuation and documentation. In Gujarat, 1 acre equals 4,840 square yards (gaj). This conversion is commonly used during jantri rate assessment, valuation of large plots, and legal documentation.

Payment of Stamp Duty and Registration Charges in Gujarat

Stamp duty and registration charges in Gujarat can be paid through both online and offline modes. The state provides electronic payment facilities that allow buyers to calculate payable charges using a stamp duty calculator in Gujarat, generate e-stamp certificates, and make digital payments. Offline payments can be made at designated banks or directly at the Sub-Registrar Office.

At the time of registration, buyers must submit the sale deed, identity proofs, PAN card, property documents, and loan-related papers if they plan to apply for home loan facilities.

Importance of Stamp Duty for Home Loan Processing

Stamp duty and registration charges form a significant part of the upfront cost of property acquisition. Financial institutions require proof of paid stamp duty and registered property documents as part of the document requirements for home loan approval and disbursement. These charges are generally not covered within the loan amount, making advance financial planning essential for buyers.

Also Read: Bigha to Gaj: Convert Bigha to Gaj Guide

Conclusion

Stamp duty and registration charges in Gujarat are critical components of property transactions in 2026. With stamp duty set at 4.9 percent for general buyers, 3.9 percent for women buyers, and registration charges fixed at 1 percent, buyers must account for these costs while planning their property purchase. Mortgage stamp duty in Gujarat further supports borrowers through lower rates for home loan transactions.

Understanding the stamp duty rate in Gujarat, the calculation formula, and available concessions ensures accurate budgeting, legal compliance, and smooth registration. Buyers are advised to verify jantri rates, use a reliable stamp duty calculator, and prepare all necessary documents in advance, especially when planning to apply for home loan solutions with Grihum Housing Finance.

FAQs

1. What is the current stamp duty rate in Gujarat?

The standard stamp duty rate in Gujarat is 4.9% of the property value (3.5% standard duty + 1.4% surcharge).

2. Is there a concession for women buyers in Gujarat?

Women buyers get a 1% concession on the stamp duty and exemption from the full registration fee.

3. What are the current registration charges in Gujarat?

The registration charge in Gujarat is 1% of the property value (waived for women buyers).

4. How do I calculate stamp duty and registration charges in Gujarat?

Typically, stamp duty and registration charges are calculated on the higher of the Jantri rate or the transaction value, at 4.9% and 1%, respectively.

5. What is the stamp duty on a gift deed in Gujarat for blood relations?

Stamp duty on a gift deed to a blood relative in Gujarat is 1% of the property value.

6. Can I pay stamp duty online in Gujarat?

Yes, online payment of stamp duty can be easily made through the web portal of the Gujarat Revenue Department.

7. Is e-stamping valid in Gujarat?

E-stamps are completely valid and accepted in Gujarat.

8. Are stamp duty charges refundable in Gujarat if a deal is cancelled?

Stamp duty is a non-refundable amount, even if the deal is cancelled.

9. What documents are required to pay stamp duty in Gujarat?

You will need the sale deed, proof of identity (either Aadhaar or PAN), property details, and payment details.

10. What happens if I don’t pay stamp duty in Gujarat?

In case stamp duty is not paid, the property document becomes legally invalid, and penalties will apply.