State

Buying a home in Kerala: stamp duty and costs

Duty read at the Registration Department, Government of Kerala · RBI loan rate · RBI and NHB price indices.

In short

On a ₹50 lakh home in Kerala, stamp duty and registration come to ₹5,00,000, charged on the higher of the price and the fair value. 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 Kerala

If you buy

Stamp duty, registration and loan in Kerala

Rates of the Registration Department, Government of Kerala. Change any field: the amounts are recalculated instantly.

Value charged₹50,00,000
Stamp duty₹4,00,000
Registration fee₹1,00,000
Total at registration₹5,00,000
Largest bank loan (RBI cap)₹40,00,000 (80%)
Monthly EMI, 20 years at 7.61%₹32,493

The table says it is "for informational purposes only"; no surcharge or cess appears in it.

Sale deed of a home bought by an individual. Brokerage, legal fees, GST on an unfinished home, TDS and bank fees are not included; your bank's rate will differ from the RBI average. All the rates and sources.

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.

Kerala in context

Kerala charges stamp duty of 8% of the fair value. On a ₹50 lakh home that is ₹4,00,000, 2nd of the seven whose rates Payotte reads.

The registration fee adds 2%. With the 20% down payment the RBI requires (₹10 lakh), the charges of Kerala bring the money needed on registration day to ₹15,00,000, or 30% of the price.

On the simplified outline Payotte draws, Kerala spans about 280 km east to west and 500 km north to south. Of its covered cities, the two most distant, Kochi and Thiruvananthapuram, are 180 km apart as the crow flies.

Payotte covers two cities in this state: Kochi and Thiruvananthapuram. None of them has a 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 Kerala
StateStamp duty on ₹50 lakhAgainst KeralaDistance from the centre of Kerala
Puducherry₹5,00,000+₹1,00,000400 km
Rajasthan₹3,00,000-₹1,00,0001,805 km
Chandigarh₹2,50,000-₹1,50,0002,245 km
Maharashtra₹2,50,000-₹1,50,000925 km
Odisha₹2,50,000-₹1,50,0001,395 km
Uttarakhand₹2,50,000-₹1,50,0002,200 km

The questions, answered

How much stamp duty and registration on a ₹50 lakh home in Kerala?

On a ₹50 lakh home in Kerala, the charges are stamp duty (8%) ₹4,00,000, registration fee (2%) ₹1,00,000: ₹5,00,000 in all, and ₹10,00,000 on ₹1 crore, above the fair value, at the rates read on 14 October 2026.

What EMI on a ₹50 lakh home in Kerala?

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 Kerala?

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

MeasureValueSource
Stamp duty (8%) on ₹50 lakh₹4,00,000Registration Department, Government of Kerala
Registration fee (2%) on ₹50 lakh₹1,00,000Registration Department, Government of Kerala

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 Kerala on Payotte

Sources