Stamp duty and registration charges are essential aspects of property transactions in Gujarat. Understanding these charges can help you avoid unexpected costs and legal complications, whether you're buying, selling, or transferring property.

In this article, we’ll break down the latest stamp duty and registry charges in Gujarat, how they are calculated, and how to handle these transactions efficiently in 2025.

Stamp Duty and Registration Charges in Gujarat

Stamp duty is a charge payable to the state government during a property transaction. It is calculated based on either the property's market value or the agreement value, whichever is higher. Here is a breakdown of the stamp duty charges in Gujarat:

The Gujarat property registration charges are as follows:

• For men - 1% of the property value
• For women - Nil
• For joint buyers (male and female / male and male) - 1%
• For join buyers (female and female) - Nil

*For the most current rates and any recent changes, it is advisable to consult the official Gujarat government resources.

What Are Some of the Factors That Determine Stamp Duty Charges in Gujarat?

Several elements influence the stamp duty charges in Gujarat, including:

• Property Value: Stamp duty is calculated based on the property's market value or the transaction value stated in the sale deed, whichever is higher.
  
• Location: Properties in urban areas or within municipal limits generally attract higher stamp duty rates than those in rural areas.
  
• Property Type: Rates differ for residential, commercial, and agricultural properties. Agricultural land, for example, benefits from lower stamp duty rates.
  
• Transaction Type: The nature of the transaction – such as sale, lease, mortgage, or gift – affects the applicable stamp duty rate.
  
• Government Incentives: Rebates and concessions are available for specific demographics like women and senior citizens. Special incentives may also apply in zones like GIFT City to boost investment and development.
  
• Amenities: Properties with luxurious amenities or better features may incur higher stamp duty charges due to their increased value.

How to Register as a Promoter, Real Estate Agent, or Buyer?

It's important to note that buyers do not need to register under RERA, but they must ensure they are dealing with RERA-registered projects and agents. Below is a step-by-step guide for promoters and real estate agents on how to register under Gujarat RERA (GUJRERA).
As a Promoter 

• Visit the official RERA Gujarat website and select ‘Project Registration’.
• Specify the promoter type (e.g., partnership firm, trust, individual, society).
• Verify your contact details and fill out the required information.
• Pay the applicable fees, which depend on project type and size. They typically range from INR 5 to 25 per square metre.

As a Real Estate Agent

• Visit the official RERA Gujarat website and sign up with your email ID.
• Verify your contact information and select the appropriate agent type (e.g., company, individual, proprietorship firm, partnership firm) etc.
• Fill out the agent registration form and pay the required fees.

Documents Required for RERA Registration

The following documents are typically required for registration under RERA Gujarat:

• Encumbrance Certificate
• Company’s registration certificate
• Photograph of the promoter and the project head
• Approved building plan/plotting plan
• 7/12 document
• Title clearance certificate
• Performa for sales deed
• Engineer and CA certificates
• NOC from Relevant Authorities (if required)
• PAN Card
• Auditor report

*For the most current procedures and any recent changes, it is advisable to consult official Gujarat government resources.

How to Calculate Stamp Duty in Gujarat in 2025?

To calculate stamp duty charges in Gujarat, you can use the online stamp duty calculator available on the state government's official portal.

Simply visit the portal and specify the required details such as the property type, transaction type, or the market/transaction value of the property.

How to Pay Stamp Duty and Registration Charges in Gujarat in 2025?

Paying stamp duty and registry charges in Gujarat is a straightforward process, with both online and offline options available for convenience.
Online Payment Method
The Government of Gujarat provides an online payment facility through the GARVI  portal. To pay stamp duty and registration fees online, navigate to the 'E-Payment System' section, where you can follow the provided instructions to complete your payment.
Offline Payment Methods

• Stamp Papers
  If you prefer the traditional way, you can purchase physical stamp papers from authorised vendors. These papers act as proof of stamp duty payment for property transactions.
  
• Franking
  Alternatively, you can visit a designated franking centre or an authorised financial institution to make your payment. Once you pay the stamp duty, the document is stamped to confirm the payment has been made.

Stamp duty payments can also be made via e-stamping certificates, which you can get by visiting Taluka headquarters in any of the districts.

What Amount Is the Stamp Duty Payable On?

Stamp duty in Gujarat is typically payable on the higher value between the property's Jantri rate – the government-assessed benchmark – and the transaction value. This system ensures that stamp duty reflects the true market value of the transaction, preventing underreporting of property prices.

In 2023, the Gujarat government significantly increased the Jantri rates and also proposed further revisions  to these rates, potentially making property transactions even more expensive in the future.

What Happens  if You Don’t Pay Stamp Duty and Registration Charges in Gujarat?

As per the Indian Stamp Act 1899 and the Registration Act 1908, paying stamp duty and registration charges is a legal requirement for property transactions. Failure to meet these obligations can lead to penalties, including a 2% monthly charge on the outstanding amount, and the total penalty can rise up to 200% of the unpaid sum.

How to Raise a Complaint?

To raise a complaint regarding stamp duty payments in Gujarat, you can visit the GARVI portal and navigate to the Grievance section. Alternatively, you can visit the Sub-Registrar Office (SRO) where the transaction was processed. Ensure you have relevant documents, such as payment receipts or transaction records, to support your complaint.

Conclusion

Stamp duty and registration charges in Gujarat are essential legal requirements for property transactions. These state-mandated fees ensure that your purchase is officially recorded, securing your ownership rights and preventing future disputes.

If you’re considering a property purchase in Gujarat, SMFG Grihashakti offers home loans of up to INR 1 crore* with competitive interest rates, minimal documentation, and no hidden charges. Estimate your EMI obligations and apply online today!