City · Assam

Buying a home in Guwahati: stamp duty, loan, prices

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

In short

Stamp duty is not computed for Assam: 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 7.68% in September 2026.

Calculate for Guwahati

Buying: no stamp duty is computed for Assam; 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.

Guwahati against the rest of India

Neither the NHB press release nor the list of the RBI's 18 cities carries Guwahati, so Payotte has no price movement to report for it, and gives none rather than borrowing another city's.

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 Assam off that scale.

Guwahati lies at 26.2°N, 91.7°E. The nearest of the other 43 cities is Bidhannagar, 525 km to the south-west, then Kolkata (530 km, south-west) and Patna (665 km, west), as the crow flies. No other city on Payotte lies within 150 km. The farthest is Thiruvananthapuram, 2,515 km away. The closest city with a RESIDEX figure is Kolkata, 530 km away, at +6.9%: a neighbour's number, not Guwahati's own.

Guwahati is the only city of Assam on Payotte.

The twelve cities of Payotte closest to Guwahati
CityDistanceDirectionPrices over a year (RESIDEX)
Bidhannagar525 kmsouth-westno figure
Kolkata530 kmsouth-west+6.9%
Patna665 kmwestno figure
Ranchi720 kmsouth-westno figure
Bhubaneswar890 kmsouth-westno figure
Lucknow1,080 kmwestno figure
Kanpur1,135 kmwestno figure
Raipur1,165 kmsouth-westno figure
Visakhapatnam1,290 kmsouth-westno figure
Nagpur1,405 kmsouth-westno figure
Meerut1,415 kmwestno figure
Dehradun1,420 kmwestno figure

Where to check in Assam

The official sites to use before buying in Guwahati, Assam: the portal that registers the sale deed, the land records and the municipal body that levies property tax. Each link goes to a government site.

Sites listed by the Integrated Government Online Directory of the National Informatics Centre and the list of State and UT registration websites of the National Generic Document Registration System, read between 18 October 2026 and 2 November 2026; one site did not open from outside India that day, the address is the one the official list gives. Search a registration number, a deed or a land record yourself on these sites: Payotte copies nothing from the registers.

The questions, answered

How much stamp duty in Guwahati?

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

What EMI on a ₹50 lakh home in Guwahati?

On the largest loan an Indian bank may grant (80% of the price, RBI), ₹40 lakh over 20 years at the 7.68% average rate costs ₹32,665 a month.

How much tax when you sell a home in Guwahati?

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 7.68% (September 2026).

Elsewhere in Assam

Sources