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Stamp duty and EMI calculator: what a home really costs.

This Haryana stamp duty calculator and home loan EMI calculator works out the real monthly payment, plus stamp duty and registration, before you talk to any bank. Nothing is sent to us and nothing is stored.

₹
 
₹
 
8.00%
Editable. Your real rate depends on your bank and credit score.
20 yrs
Most home loans run 15 to 30 years.
Registered in the name of
  • Male buyer
  • Female buyer
  • Joint (male + female)
Where the property is
  • Gurugram / urban Haryana
  • Rural Haryana
Your monthly EMI
₹0
 
Loan amount₹0
Total interest paid₹0
Total paid to the bank₹0
Stamp duty₹0
Registration fee₹0
Cash you need upfront₹0
Stamp duty in Haryana is charged on the sale value or the government circle rate, whichever is higher, so the real figure can be higher than shown here. Registration is capped at ₹50,000. Rates last checked in October 2026. This is an estimate to plan with, not a quote from a bank.
The fine print, in plain English

How the stamp duty and EMI are worked out.

Also useful:Residential property for sale in GurugramAreas we coverList your property

How much is stamp duty on property in Gurugram?

In Haryana’s urban areas, including Gurugram, stamp duty is 7% for a male buyer, 5% for a female buyer and 6% for joint ownership. It is charged on the sale value or the government circle rate, whichever is higher. Registration is 1%, capped at Rs 50,000. The calculator above adds both to your upfront cost; confirm the final figure with the sub-registrar.

Is stamp duty lower for women in Haryana?

Yes. In Haryana’s urban areas the rate is 5% for a female buyer, against 7% for a male buyer and 6% for joint ownership, so registering in a woman’s name saves 2% of the property value. Use the calculator to see the exact amount for your home.

What are the registration charges in Gurugram?

Our calculator uses a registration fee of 1% of the property value, capped at Rs 50,000. Published sources differ on the cap, so treat the figure as an estimate and confirm it with the sub-registrar before you pay.

What is the circle rate?

The circle rate is the minimum value the government sets for property in an area. In Haryana, stamp duty is charged on the sale value or the circle rate, whichever is higher, so the real figure can be higher than the calculator shows.

How is the EMI calculated?

It uses the standard reducing-balance formula every Indian bank uses: EMI = P x r x (1+r)^n / ((1+r)^n – 1), where P is the loan amount, r is the monthly interest rate, and n is the number of months. Interest is charged on the balance that is still outstanding, which falls every month as you repay.

Why does the stamp duty change when I change who is buying?

Haryana charges different stamp duty by ownership. In urban areas like Gurugram it is 7% for a male buyer, 5% for a female buyer and 6% for joint ownership. Registering in a woman’s name is a genuine saving of 2% of the property value.

Why can’t I borrow the full property value?

The RBI caps how much of a property’s value a bank may lend. Up to 30 lakh you can borrow 90%, between 30 and 75 lakh it is 80%, and above 75 lakh it is 75%. The rest has to come from you, and stamp duty and registration are on top of that.

Is the home loan interest rate shown a quote?

No. It is a starting point you should change. Your real rate depends on your credit score, income, the lender and the loan amount. Always confirm with the bank directly.

Once the numbers work

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