In short
Stamp duty is not computed for Tamil Nadu: 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 Tamil Nadu
Buying: no stamp duty is computed for Tamil Nadu; the home loan calculator works everywhere.
Tamil Nadu 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 Tamil Nadu off that scale.
On the simplified outline Payotte draws, Tamil Nadu spans about 450 km east to west and 610 km north to south. Of its covered cities, the two most distant, Chennai and Coimbatore, are 430 km apart as the crow flies. The nearest of the seven states and union territories whose duty Payotte reads is Puducherry, about 165 km from the centre of Tamil Nadu, at 10% of the guideline land rate (GLR): a point of comparison, not Tamil Nadu's rate.
Payotte covers two cities in this state: Chennai and Coimbatore. Only Chennai has a RESIDEX figure, +10.8%: 3.8 points ahead of the 50-city composite (+7%).
| State | Stamp duty on ₹50 lakh | Distance from the centre of Tamil Nadu |
|---|---|---|
| Puducherry | ₹5,00,000 | 165 km |
| Kerala | ₹4,00,000 | 235 km |
| Rajasthan | ₹3,00,000 | 1,815 km |
| Chandigarh | ₹2,50,000 | 2,220 km |
| Maharashtra | ₹2,50,000 | 905 km |
| Odisha | ₹2,50,000 | 1,235 km |
| Uttarakhand | ₹2,50,000 | 2,145 km |
The questions, answered
How much stamp duty in Tamil Nadu?
Payotte shows no figure: the rate pages of Tamil Nadu could not be read from outside India. Ask the sub-registrar office.
What EMI on a ₹50 lakh home in Tamil Nadu?
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 Tamil Nadu?
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 Tamil Nadu on Payotte
Sources
- Prices and loans: NHB RESIDEX (source acknowledged); RBI House Price Index; RBI lending rates; RBI Credit Facilities Directions 2025, paragraph 111.