# Stamp Duty and Registration Charges in Telangana for Flat (2026): 7.5% Cost Breakdown

Source: https://hyderabadhomeloans.com/2026/10/24/stamp-duty-and-registration-charges-in-telangana-for-flat/ · Updated 31 Oct 2026

**Quick answer:** In Telangana, the total **stamp duty and registration charge for buying a flat is 7.5% of the property value** (calculated on the higher of the registered sale agreement value or the government market basic value). This 7.5% comprises **5.5% Stamp Duty**, **1.5% Transfer Duty** and a **0.5% Registration Fee** (G.O.Ms.No.59, effective 22 July 2021). For example, registering an apartment valued at ₹80 Lakhs costs exactly **₹6,00,000 in government registration charges**. These fees must be paid through an online e-Challan on the **Telangana IGRS portal** before your registration slot at the Sub-Registrar Office (SRO).

**Check Your Borrowing Power:** Calculate your exact eligible loan amount, monthly EMI, and permissible FOIR based on your salary and current debts using our interactive [Home Loan & Income Eligibility Calculator](https://hyderabadhomeloans.com/income-eligibility-calculator/).

*By Vijay Arjun V (B.Pharm, PGDM): authorised LIC HFL DSA since 2002 and DME (Direct Marketing Executive) appointed by LIC HFL. Loan terms checked on lichousing.com on October 2026.*

## 7.5% Fee Breakdown for Apartment Registration in Telangana

The Registration & Stamps Department of Telangana levies the following statutory charges upon executing a residential Sale Deed:

| Fee Component | Statutory Percentage | ₹50 Lakh Flat | ₹80 Lakh Flat | ₹1.2 Crore Flat |
| --- | --- | --- | --- | --- |
| **Stamp Duty** | **5.5%** | ₹2,75,000 | ₹4,40,000 | ₹6,60,000 |
| **Registration Fee** | **0.5%** | ₹25,000 | ₹40,000 | ₹60,000 |
| **Transfer Duty** | **1.5%** | ₹75,000 | ₹1,20,000 | ₹1,80,000 |
| **Total Government Fees** | **7.75%** | **₹3,75,000** | **₹6,00,000** | **₹9,00,000** |

*Note: Additional minor user charges for document scanning and biometric data entry typically range between ₹500 and ₹1,000 per transaction at the Sub-Registrar Office.*

## Market Value vs Agreement Value: Which is Taxed?

Under Section 47A of the Indian Stamp Act as implemented in Telangana:

- **Government Basic Market Value:** The minimum land and built-up unit rate fixed by the Telangana Government on the IGRS portal.
- **Actual Agreement Value:** The commercial transaction price agreed between you and the builder or seller.
- **Taxation Rule:** Stamp duty and registration charges are calculated on **whichever value is HIGHER**. If the government market value is ₹55 Lakhs but your agreement value is ₹70 Lakhs, the 7.75% fee is calculated on ₹70 Lakhs.

## Can You Fund Stamp Duty Through Your Home Loan?

Under Reserve Bank of India (RBI) prudential guidelines, **banks cannot include stamp duty and registration fees in the Loan-to-Value (LTV) calculation** for home loans above ₹30 Lakhs. This means you must arrange the 7.5% registration cost from your own personal savings as part of your upfront out-of-pocket budget.

## Tax Deduction on Stamp Duty under Section 80C

The good news: Under **Section 80C of the Income Tax Act**, the stamp duty and registration fees you pay can be claimed as an income tax deduction up to the ₹1.5 Lakh limit in the financial year the property is registered (under the old tax regime).

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## Frequently asked questions

### Is there any stamp duty concession for women in Telangana?

No. Telangana does not offer a separate concessional stamp duty rate for women; the 7.5% aggregate fee applies uniformly across all individual buyers.

### Are registration charges the same for resale flats?

Yes. The statutory 7.75% rate applies equally to new developer apartments and resale properties. However, for resale flats, structural depreciation can be factored into the technical valuation for loan sanction.

*Hyderabad Home Loans is run by Elite Financial Services, an authorised Direct Selling Agent (DSA) of LIC Housing Finance Ltd since 2002. Loans are sanctioned solely at LIC HFL’s discretion; terms apply.*

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Hyderabad Home Loans — authorised DSA of LIC Housing Finance Ltd since 2002. Free eligibility check: https://hyderabadhomeloans.com/. Phone / WhatsApp +91-8886249998.