What buying
a home in India
really costs.

The same ₹50 lakh home costs ₹2.6 lakh in stamp duty and registration in Chandigarh and ₹5.75 lakh in Puducherry: in India, the bill depends on the state, and Payotte computes it from each state's official rates.

₹6,00,000
stamp duty and metro surcharge on a ₹1 crore flat in Mumbai
7.61%
average rate on new housing loans (RBI, August 2026)
₹32,493
monthly EMI on ₹40 lakh over 20 years
80%
most a bank lends on a ₹30 to 75 lakh home (RBI)
+24.4%
Faridabad, prices over a year (NHB RESIDEX)
RBI policy repo rate, since 7 October 2026 5.5% Average new housing loan: 7.61% (August 2026, provisional) Your EMI →

Where to look

The cities of the RBI House Price Index, A to Z, with the NHB RESIDEX change over a year where published. Professionals are coming soon.
GJ
Ahmedabad
Gujarat
+7.9% over a year
KA
Bengaluru
Karnataka
+21.5% over a year
CH
Chandigarh
Chandigarh
RBI index city
TN
Chennai
Tamil Nadu
+10.8% over a year
DL
Delhi
Delhi
RBI index city
UP
Ghaziabad
Uttar Pradesh
RBI index city
TG
Hyderabad
Telangana
+5.2% over a year
RJ
Jaipur
Rajasthan
RBI index city
UP
Kanpur
Uttar Pradesh
RBI index city
KL
Kochi
Kerala
RBI index city
WB
Kolkata
West Bengal
+6.9% over a year
UP
Lucknow
Uttar Pradesh
RBI index city

More cities: Bhopal · Bhubaneswar · Coimbatore · Faridabad · Gurugram · Guwahati · Indore · Kalyan-Dombivli · Mumbai · Nagpur · Navi Mumbai · Noida · Patna · Pune · Surat · Thane · Thiruvananthapuram · Visakhapatnam

States and union territories: Andhra Pradesh · Assam · Bihar · Chandigarh · Delhi · Gujarat · Haryana · Karnataka · Kerala · Madhya Pradesh · Maharashtra · Odisha · Puducherry · Rajasthan · Tamil Nadu · Telangana · Uttar Pradesh · Uttarakhand · West Bengal

All cities and states on a map →

Five trades

For each, the register you can check yourself with the official body. Lawyers are not listed in India (Bar Council of India rules).
Real estate agent
RERA registration of the State
Registered valuer
IBBI register, Land and Building
Architect
Council of Architecture register
Home loan lender
Bank or HFC regulated by the RBI
Property lawyer
State Bar Council enrolment (not listed)

Calculator and guides

Official rates recomputed by an automatic check; 47 guides checked against the sources they cite, sorted by step.
Calculators and tables
Stamp duty and registration
Buying
Financing
Selling
NRIs and OCIs
Renting
Owning

How the list will be made

The same rules as in Canada, France, Belgium, the United Kingdom and Australia. The method in detail →
01
A business, never a person
Each profile presents a firm (its name, CIN or LLPIN and address). No person's name is published, and no lawyer is listed.
02
A registration you check yourself
RERA registration, IBBI register, Council of Architecture, RBI: the profile says where to check, with the official body.
03
One firm per area and trade
Chosen on public data under a published scale. Never chosen on its ability to pay: Payotte is free, with no ads or commission.

How much stamp duty will your purchase cost?

Your state, the price and the reference value, a woman buyer or not: the calculation in a few seconds.

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