Stamp duty & registration charges Tamil Nadu

Stamp duty in Tamil Nadu is set at 7% for property sales, and the registration fee is set at 4% in every town and village. That means any standard home or land purchase carries an 11% total government fee. If you transfer property to immediate blood relatives through a gift or family settlement deed, you pay only 1% stamp duty and 1% registration fee, with set maximum limits. Female buyers get a 1% discount on the registration fee, bringing it down to 3% for homes valued up to ₹10 lakh.

• Sale Deed: 7% Stamp Duty + 4% Registration Fee (11% total).
• Gift to Family Members: 1% Stamp Duty (up to ₹25,000) + 1% Registration Fee (up to ₹4,000).
• Gift to Non-Family: 7% Stamp Duty + 4% Registration Fee (11% total).
• Settlement Deed (Family): 1% Stamp Duty (up to ₹25,000) + 1% Registration Fee (up to ₹4,000).
• Partition Deed (Family): 1% Stamp Duty per share (up to ₹25,000) + 1% Registration Fee (up to ₹4,000).
• Bank Loan Title Deed (MODTD): 0.5% Stamp Duty (up to ₹30,000) + 1% Registration Fee (up to ₹6,000).

You pay registration costs on whichever amount is higher: your market sale price or the government guideline value. If your sale price is ₹50,00,000 but the government guideline value is ₹55,00,000, you must pay the 11% fee on ₹55,00,000. If your sale price is ₹70,00,000 and the guideline value is ₹60,00,000, you pay the 11% fee on ₹70,00,000.

Home loans from banks do not cover these government fees. You must pay this 11% cost from your own pocket before getting your keys. Keep an extra ₹5,000 to ₹20,000 ready for legal drafting, patta transfer, and scanning fees.

Prestige Padi is a large township on 16.33 acres along CTH Road in Chennai, offering around 2,200 apartments across 18 to 20 towers with 80% open green space. Since buying any home in Tamil Nadu adds the mandatory 11% state fee, buyers at Prestige Padi must add these government charges to the base unit prices shown on prestigespadi.com.

• 1 BHK Flat (550 – 650 sq. ft., from ₹74.3 Lakhs): The 7% stamp duty is ₹5,20,100, while the 4% registration charge is ₹2,97,200, which adds up to a ₹8,17,300 total fee.
• 2 BHK Flat (900 – 1,150 sq. ft., from ₹1.22 Crores): You pay ₹8,54,000 in stamp duty and ₹4,88,000 in registration charges, making a total government cost of ₹13,42,000.
• 2.5 BHK Flat (1,200 – 1,350 sq. ft., from ₹1.62 Crores): Stamp duty costs ₹11,34,000, and registration costs ₹6,48,000, which means an extra ₹17,82,000 in state dues.
• 3 BHK Flat (1,350 – 1,800 sq. ft., from ₹1.82 Crores): Stamp duty comes to ₹12,74,000, and the registration fee comes to ₹7,28,000, totaling ₹20,02,000.
• 4 BHK Luxury Flat (2,000 – 2,400 sq. ft., ₹2.70 Crores to ₹3.24 Crores): At the starting rate of ₹2.70 Crores, stamp duty is ₹18,90,000, and registration is ₹10,80,000 (total ₹29,70,000). For a top unit at ₹3.24 Crores, stamp duty is ₹22,68,000, and registration is ₹12,96,000 (total ₹35,64,000).

This project includes a 60,000 sq. ft. clubhouse and sits close to Ambattur Industrial Estate. Buyers will complete their final deed registration at the local Sub-Registrar Office in this area.

The official TNREGINET website lets you check rates, fill in deed forms, and pay government fees from home. Following these steps helps you avoid mistakes and finish your work quickly.

• Look Up Guideline Values: Go to tnreginet.gov.in, click on "Guideline Value", and pick your district, zone, street name, or survey number.
• Draft Your Sale Deed: Create an account, click "Create Document", and fill in the names, addresses, and property details for both buyer and seller.
• Pay the Fees Online: The website calculates the 7% stamp duty and 4% registration charges, which you can pay using net banking or UPI.
• Book a Time Slot: Go to "Token Booking" to choose a convenient day and time at your local Sub-Registrar Office.
• Visit the Office: Go to the office with the seller and two witnesses to scan your fingerprints, take photos, and sign the final papers.

You must carry a set of verified legal papers to your sub-registrar appointment to register your property. Missing even one paper can stop your registration on that day.

• Parent Deeds: The full set of past title papers going back 30 years to prove clear ownership.
• Encumbrance Certificate (EC): An official paper from TNREGINET showing the land has no unpaid loans or legal disputes.
• ID and Address Proof: Original Aadhaar cards or voter IDs with copies for both parties and two witnesses.
• PAN Card: A valid PAN card or Form 60 for deals worth more than ₹10 lakh.
• TDS Challan (Form 26QB): Proof that you paid 1% tax on properties priced over ₹50 lakh.
• Tax Receipts and Approvals: Recent property tax receipts and planning approvals from CMDA or local town bodies.