Stamp Duty and Property Registration Charges in Tamil Nadu

Stamp duty is a direct tax imposed by the state government on the sale or transfer of property, as outlined in Section 3 of the Indian Stamp Act, 1899. 

 

In Tamil Nadu, the charges for property registration and stamp duty vary based on the type of transaction. The Registration Department, operating under the Tamil Nadu Registrations Act, oversees the registration process.

 

As a buyer or seller, it is crucial to stay informed about these charges. Understanding them will help you ensure a smooth and hassle-free property transaction.

Registration and transfer of property require specific stamp duty and registration charges in Tamil Nadu. Refer to the table below for the charges: 

Calculating stamp duty in Tamil Nadu is essential for determining the overall cost of the property. Here is a simple guide to using the online tool for this purpose:

1. Use the Stamp Duty Calculator Tool: Access an online stamp duty and registration fee calculator

2. Select the State: Choose Tamil Nadu from the list of states

3. Enter Property Details: Input the property value and total area

4. Calculate: Click the calculate button to obtain the estimated stamp duty and registration charges

You can pay stamp duty and registration charges online in Tamil Nadu via the e-stamping facility provided by Stock Holding Corporation of India Limited (SHCIL). It is an agency that the Government of India appoints to issue e-stamp certificates. 

 

Here are the steps:

 

1. Go to the official SHCIL website.

 

2. Hover over the 'Products & Services' section on the homepage.

 

3. Select 'e-Stamping' under the 'e-Services & Government Business' option.

 

4. In the 'State List' dropdown, choose Tamil Nadu.

 

 

 

5. Click on the 'Login' button in the top right corner and enter your credentials to access the application form.

 

6. Complete the application form and click 'Download'.

 

7. Visit your nearest SHCIL branch in Tamil Nadu with the form.

 

8. Make the stamp duty payment at the branch using cash, cheque, NEFT, RTGS, demand draft, or account-to-account transfer.

Before starting the property registration process in Tamil Nadu, gather all necessary documents to be prepared. Below is the list of required documents:

• Encumbrance Certificate (EC) verifying the property is free from legal or financial liabilities

• Original property documents, including ownership proofs like the Patta Chitta

• Payment receipts covering stamp duty, registration fee, and transfer duties

• Sale deed proving ownership transfer

• Pattadar passbook provides a record of land ownership details

• Identity proof (PAN, Aadhaar, and IDs of buyer, seller, and witnesses)

• Passport-sized photographs of the buyer and seller (two recent ones)

• No Objection Certificate (NOC), if applicable

 

Under certain conditions, you may be eligible for a refund on stamp duty. To apply for a refund, follow these steps:

1. Confirm you have a valid reason, such as transaction cancellation or overpayment.

2. Visit the Sub-Registrar's office where the property was registered to apply for the refund.

3. Submit the application with the reason, proof of payment, and supporting documents.

4. Ensure the application is submitted within the specified time limit.

5. Allow the Sub-Registrar’s office to verify your request and documents.

6. Receive the refund order once your request is approved.

7. Wait for the refund to be credited to your specified account.

8. Follow up with the authorities for updates on your refund status.

 

To ease the financial load of paying stamp duty and registration charges for property purchases, the government has set a cap on these charges. The limit on the total stamp duty and registration is ₹1.5 Lakhs. This benefit is available to both Hindu Undivided Families (HUFs) and individuals.

In Chennai, certain properties and transactions may be eligible for stamp duty exemptions. These include:

• Agricultural Land

Transactions involving agricultural land may be eligible for reduced stamp duty rates

• Family Transfers

Property transfers between family members, such as gift deeds, may be exempt or attract a lower stamp duty

• Gift Transactions

Gifts of property within the family are often subject to reduced stamp duty

• Charitable Properties

Properties used for charitable purposes may be exempt from stamp duty

• Government Transactions

Properties involved in government-related transactions may qualify for exemptions

• Affordable Housing

Concessions are available for low-income groups in certain areas

• First-time homebuyers

Exemptions or reduced rates based on eligibility, property value, and residency duration

• Government Schemes

Reduced stamp duty for senior citizens, veterans, and economically weaker sections

Upon encountering issues related to stamp duty in Chennai, you can share the grievance through the following modes:

• Call: 022 61778599

• Email: estamping@stockholding.com

 

You can also share your grievances at the following addresses:

 

Registered Office

• Address: Stock Holding Corporation of India Limited, 301, Centre Point, Dr. Babasaheb Ambedkar Road, Parel, Mumbai – 400012 Maharashtra, India 

• Phone: 022 61779400 09

 

Operational Office

• Address: SHCIL House, Plot No, P-51, TTC Industrial Area, MIDC, Mahape, Navi Mumbai – 400710 Maharashtra, India

• Phone: 022 61778100 09