State

Buying a home in Andhra Pradesh: stamp duty and costs

Duty not computed here · RBI loan rate · RBI and NHB price indices.

In short

Stamp duty is not computed for Andhra Pradesh: its rate pages cannot be read from outside India. Across the RBI's 18 cities, house prices rose +3.6% over a year (Q1:2026-27 (April-June 2026)). A bank lends at most 80% of a ₹50 lakh home (RBI); the average rate on new housing loans was 7.61% in August 2026.

Calculate for Andhra Pradesh

Buying: no stamp duty is computed for Andhra Pradesh; the home loan calculator works everywhere.

If you sell

Capital gain and the tax on it

Same rule in every state: the Income-tax Act applies across India.

Capital gain₹20,00,000
Type of gainLong-term (held over 24 months)
Rate12.5%
Tax on the gain₹2,50,000

Long-term gain taxed at 12.5% without indexation (Income-tax Act 2025, section 197(1), sale on or after 1 April 2026), before surcharge and cess. Home bought before 23 July 2024 by a resident individual or HUF: 20% with indexed cost at most (section 197(3)).

Gain = sale price − purchase price, before deductible costs. Brokerage, reinvestment exemptions and TDS are not included.

Andhra Pradesh in context

Where Payotte reads the rates, the duty on a ₹50 lakh home runs from ₹2,50,000 in Uttarakhand (5% of the price) to ₹5,00,000 in Puducherry (10%): seven states and union territories out of 36, which leaves Andhra Pradesh off that scale.

On the simplified outline Payotte draws, Andhra Pradesh spans about 855 km east to west and 725 km north to south. The nearest of the seven states and union territories whose duty Payotte reads is Maharashtra, about 535 km from the centre of Andhra Pradesh, at 5% of the Annual Statement of Rates (ready reckoner): a point of comparison, not Andhra Pradesh's rate.

Payotte covers one city in this state: Visakhapatnam. It has no RESIDEX figure, so the price movement here can only be read from the RBI's index of 18 cities (+3.6%).

The seven states and union territories whose duty Payotte reads, set against Andhra Pradesh
StateStamp duty on ₹50 lakhDistance from the centre of Andhra Pradesh
Puducherry₹5,00,000565 km
Kerala₹4,00,000775 km
Rajasthan₹3,00,0001,390 km
Chandigarh₹2,50,0001,700 km
Maharashtra₹2,50,000535 km
Odisha₹2,50,000615 km
Uttarakhand₹2,50,0001,585 km

The questions, answered

How much stamp duty in Andhra Pradesh?

Payotte shows no figure: the rate pages of Andhra Pradesh could not be read from outside India. Ask the sub-registrar office.

What EMI on a ₹50 lakh home in Andhra Pradesh?

On the largest loan an Indian bank may grant (80% of the price, RBI), ₹40 lakh over 20 years at the 7.61% average rate costs ₹32,493 a month.

How much tax when you sell a home in Andhra Pradesh?

The Income-tax Act applies across India: a gain on a home held more than 24 months is taxed at 12.5% without indexation, ₹2,50,000 on a ₹20 lakh gain, before surcharge and cess

More on the tax when you sell: capital gains tax on property. On the loan: eligibility and EMI.

The figures

The RBI and the NHB publish price indices, not prices in rupees. National figures: RBI House Price Index +3.6% over a year (Q1:2026-27 (April-June 2026)); average rate on new housing loans 7.61% (August 2026).

Cities of Andhra Pradesh on Payotte

Sources