Quick answer: in Gurugram's municipal areas, stamp duty on a property purchase is 7% for men, 5% for women and 6% for joint ownership by a man and a woman. On top of that, the registration fee runs from ₹100 to a maximum of ₹50,000, depending on the property value. Both are charged on the agreement value or the government circle rate, whichever is higher.
Stamp Duty Rates in Gurugram (2026)
Haryana sets different stamp duty rates by who owns the property and whether it sits inside municipal limits. Most residential sectors in Gurugram fall within municipal limits, so the urban column applies to most flats and builder floors. If a property is in a village area outside the municipal boundary, the lower rural rates apply. The Sub-Registrar's office can confirm which one applies to your address.
| Owner | Within Municipal Limits | Outside Municipal Limits |
|---|---|---|
| Man | 7% | 5% |
| Woman | 5% | 3% |
| Joint (man and woman) | 6% | 4% |
| Joint (two men) | 7% | 5% |
| Joint (two women) | 5% | 3% |
The 2% gap between a man and a woman buyer is the largest saving available on a Gurugram purchase. On a ₹1.5 crore flat, it is worth ₹3 lakh.
Registration Fee Slabs
The registration fee is a fixed amount based on the value of the property. It is capped at ₹50,000, so for most Gurugram flats you will pay the maximum.
| Property Value | Registration Fee |
|---|---|
| Up to ₹50,000 | ₹100 |
| ₹50,001 to ₹5 lakh | ₹1,000 |
| ₹5 lakh to ₹10 lakh | ₹5,000 |
| ₹10 lakh to ₹20 lakh | ₹10,000 |
| ₹20 lakh to ₹25 lakh | ₹12,500 |
| ₹25 lakh to ₹40 lakh | ₹20,000 |
| ₹40 lakh to ₹50 lakh | ₹25,000 |
| ₹50 lakh to ₹60 lakh | ₹30,000 |
| ₹60 lakh to ₹70 lakh | ₹35,000 |
| ₹70 lakh to ₹80 lakh | ₹40,000 |
| ₹80 lakh to ₹90 lakh | ₹45,000 |
| Above ₹90 lakh | ₹50,000 |
Published slab tables vary slightly at the boundaries, for example at exactly ₹25 lakh. If your property value sits on a boundary, confirm the fee with the Sub-Registrar.
Worked Examples: What You Will Actually Pay
The examples below assume an urban Gurugram property, where the agreement value is higher than the circle rate value.
Example 1: A ₹75 lakh flat
| Buyer | Stamp Duty | Registration Fee | Total |
|---|---|---|---|
| Man (7%) | ₹5,25,000 | ₹40,000 | ₹5,65,000 |
| Woman (5%) | ₹3,75,000 | ₹40,000 | ₹4,15,000 |
| Joint (6%) | ₹4,50,000 | ₹40,000 | ₹4,90,000 |
Example 2: A ₹1.5 crore flat
| Buyer | Stamp Duty | Registration Fee | Total |
|---|---|---|---|
| Man (7%) | ₹10,50,000 | ₹50,000 | ₹11,00,000 |
| Woman (5%) | ₹7,50,000 | ₹50,000 | ₹8,00,000 |
| Joint (6%) | ₹9,00,000 | ₹50,000 | ₹9,50,000 |
Example 3: A ₹6.5 crore luxury apartment
| Buyer | Stamp Duty | Registration Fee | Total |
|---|---|---|---|
| Man (7%) | ₹45,50,000 | ₹50,000 | ₹46,00,000 |
| Woman (5%) | ₹32,50,000 | ₹50,000 | ₹33,00,000 |
| Joint (6%) | ₹39,00,000 | ₹50,000 | ₹39,50,000 |
At this price, registering in a woman's name instead of a man's saves ₹13 lakh. For luxury homes on Golf Course Road, Golf Course Extension Road or Dwarka Expressway, it is worth deciding ownership before the sale deed is drafted.
Circle Rate vs Agreement Value
Stamp duty is charged on whichever is higher: the price in your agreement, or the value worked out from the collector (circle) rate that the district administration sets for each sector.
Example: you agree to buy a flat for ₹1.20 crore, but the circle rate for that sector puts its value at ₹1.35 crore. Stamp duty is charged on ₹1.35 crore. A man would pay ₹9,45,000 in stamp duty, not ₹8,40,000.
Circle rates in Gurugram are revised periodically. See our guide to revised circle rates for 2026 before you work out your budget.
When Do You Pay Stamp Duty on a New Flat?
For an under-construction flat, stamp duty and registration are paid when the conveyance deed is registered, which is usually at possession. That can be several years after booking. Two points follow from this:
- The circle rate applies on the date of registration, not the date of booking. If the rate rises in between, your stamp duty rises with it.
- Keep the amount aside for possession. Banks generally do not include stamp duty in the home loan, so it has to come from your own funds.
For a resale flat, stamp duty is paid when the sale deed is registered, before the transfer is complete.
How to Pay Stamp Duty and Register a Property in Gurugram
- Work out the value. Compare the agreement value with the circle rate value and take the higher figure.
- Pay online through e-GRAS. On the Haryana e-GRAS portal, choose the stamp duty and registration head, enter the property and buyer details, and generate a GRN. Pay by net banking or card, and save the e-stamp receipt.
- Book a registration slot. Use the state's online registration system to book an appointment at the Sub-Registrar's office for the tehsil where the property sits.
- Visit the Sub-Registrar. The buyer, seller and two witnesses attend with original documents. Photographs and biometrics are taken at the office.
- Collect the registered deed. Then apply for mutation in the property records and update the property tax account in your name.
Documents Checklist
| Document | Who Provides It |
|---|---|
| Sale deed or conveyance deed | Seller or developer |
| PAN and Aadhaar | Buyer and seller |
| Passport-size photographs | Buyer and seller |
| e-stamp and registration fee receipts | Buyer |
| Property tax receipt and NOC, where required | Seller |
| Occupation certificate (new flats) | Developer |
| Identity proof of two witnesses | Witnesses |
Other Costs to Budget For
Stamp duty and registration are only part of the cost of buying in Gurugram. Plan for these as well:
- GST on under-construction flats: 5% of the price without input tax credit for most homes, and 1% for homes that qualify as affordable housing. GST does not apply to ready flats that have an occupation certificate.
- EDC and IDC: External and Internal Development Charges, which developers usually pass on to buyers. Ask whether they are included in the price.
- Maintenance deposit and advance maintenance: often collected at possession.
- Legal and documentation fees: if you use a lawyer to check the title and draft the deed.
Five Mistakes Buyers Make
- Budgeting on the agreement price alone. If the circle rate value is higher, the duty is too.
- Deciding ownership too late. Adding or switching to a woman owner after the deed is drafted means redrafting it.
- Forgetting the possession-day payment. On a new flat, stamp duty falls due years after booking and is not covered by the loan.
- Showing a lower value to save duty. Under-valuation can lead to a demand for the shortfall plus a penalty.
- Skipping mutation. Registration transfers ownership, but the municipal and revenue records still need updating in your name.
Gurugram vs Delhi vs Noida
| City | Where to Read More |
|---|---|
| Gurugram | This guide |
| Delhi | Stamp duty and registration charges in Delhi |
| Noida | Stamp duty and registration charges in Noida |
If you are still choosing between cities, our Noida vs Gurgaon comparison covers price, space and commute. If you are choosing a builder, start with our guide to the top real estate companies in Gurgaon.
Frequently Asked Questions
What is the stamp duty in Gurugram in 2026?
Within municipal limits it is 7% for men, 5% for women and 6% for joint ownership by a man and a woman. Outside municipal limits it is 5%, 3% and 4%.
What is the registration fee in Gurugram?
It depends on the property value, from ₹100 for properties up to ₹50,000 to a maximum of ₹50,000 for properties worth more than ₹90 lakh.
Is stamp duty lower for women in Haryana?
Yes. Women pay 2 percentage points less than men, which is 5% instead of 7% in urban areas.
Is stamp duty charged on the circle rate or the market price?
On whichever is higher: the agreement value or the value based on the circle rate.
Can stamp duty be included in a home loan?
Generally not. Banks treat stamp duty and registration as the buyer's own contribution, so plan to pay them from savings.
When is stamp duty paid on an under-construction flat in Gurugram?
When the conveyance deed is registered, which is usually at possession.
