Stamp Duty and Registration Charges on Residential Property in Kolkata – A Complete Guide (2025)
Buying a home is a dream come true for many. But beyond the sale price of a property, there are several additional costs that buyers in Kolkata must factor in—two of the most significant being stamp duty and registration charges. These government-imposed charges are mandatory for legal ownership and property registration.
Let’s explore what these charges mean, how much they cost in Kolkata, and what recent updates you should be aware of in 2025.
What is Stamp Duty?
tamp duty is a form of tax paid to the state government on the purchase of a property. It acts as legal evidence of ownership. Without payment of stamp duty, the property transaction is not legally valid.
What are Registration Charges?
Registration charges are fees paid to the government for registering the property in your name in official records. It ensures that the property title is officially recorded in your name with the local registrar’s office.
Current Stamp Duty and Registration Charges in Kolkata (2025)
In West Bengal, including Kolkata, stamp duty rates vary depending on the property value and location (municipal or rural). Below are the applicable rates:
Within Kolkata Municipal Corporation (KMC) Area:
- Stamp Duty:
- 4% for properties valued up to ₹1 crore
- 5% for properties valued above ₹1 crore
- Registration Charges:
- Flat 1% of the property value
In Panchayat and Non-Municipal Areas (Outside KMC):
- Stamp Duty:
- 3% for properties up to ₹1 crore
- 4% for properties above ₹1 crore
- Registration Charges:
- Still 1% of the property value
Example Calculation
Let’s say you’re buying a flat in Salt Lake (under KMC) for ₹80 lakhs:
- Stamp Duty (4%) = ₹3,20,000
- Registration Charge (1%) = ₹80,000
- Total = ₹4,00,000 (additional cost on top of property price)
For a property worth ₹1.2 crore:
- Stamp Duty (5%) = ₹6,00,000
- Registration Charge (1%) = ₹1,20,000
- Total = ₹7,20,000
Recent Updates & Rebates (If Any)
As of 2025, the West Bengal government occasionally provides rebates on stamp duty to boost real estate sales. For instance, during previous years, temporary relief like a 2% rebate on stamp duty was given for specific periods. Buyers should check current offers at the time of purchase through the West Bengal e-Revenue portal.
Who Pays the Stamp Duty and Registration Charges?
These charges are typically borne by the buyer. It’s advisable to factor them in while arranging your property budget, loan, or down payment.
Documents Required for Registration
- Sale Deed (duly signed)
- Previous title deeds (if any)
- ID & address proof of buyer and seller
- PAN card
- Property tax receipts
- Stamp duty payment receipt
- Passport-size photos
Tips to Save on Stamp Duty
- Buy in the name of a female buyer—some states (though not West Bengal currently) offer lower stamp duty rates for women.
- Register during government rebate periods.
- Verify accurate property valuation to avoid overpaying stamp duty.
Conclusion
Stamp duty and registration charges in Kolkata may feel like a heavy add-on to property prices, but they’re crucial for securing legal ownership. Being aware of the applicable rates and staying updated on government policies can help you plan your budget better and avoid surprises at the time of purchase.
For expert guidance, property consultation, and help with legal formalities in Kolkata, feel free to contact us at [Asin Realtors] – your trusted real estate advisor.