In short
Stamp duty is not computed for Gujarat: 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 Gujarat
Buying: no stamp duty is computed for Gujarat; the home loan calculator works everywhere.
Gujarat 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 Gujarat off that scale.
On the simplified outline Payotte draws, Gujarat spans about 655 km east to west and 510 km north to south. Of its covered cities, the two most distant, Rajkot and Vadodara, are 250 km apart as the crow flies. The nearest of the seven states and union territories whose duty Payotte reads is Rajasthan, about 535 km from the centre of Gujarat, at 6% of the market value (DLC rate): a point of comparison, not Gujarat's rate.
Payotte covers four cities in this state: Ahmedabad, Rajkot, Surat and Vadodara. Only Ahmedabad has a RESIDEX figure, +7.9%: almost level with the +7% of the 50-city composite (+0.9 points).
| State | Stamp duty on ₹50 lakh | Distance from the centre of Gujarat |
|---|---|---|
| Puducherry | ₹5,00,000 | 1,565 km |
| Kerala | ₹4,00,000 | 1,420 km |
| Rajasthan | ₹3,00,000 | 535 km |
| Chandigarh | ₹2,50,000 | 1,075 km |
| Maharashtra | ₹2,50,000 | 695 km |
| Odisha | ₹2,50,000 | 1,385 km |
| Uttarakhand | ₹2,50,000 | 1,170 km |
Where to check in Gujarat
The official sites to use before buying in Gujarat: the register of projects and agents, the portal that registers the sale deed and the land records. Each link goes to a government site.
- Real estate regulator (RERA): Gujarat Real Estate Regulatory Authority, Gujarat (did not open from outside India).
- Deed registration and stamp duty: Automation of Administration of Registration, Valuation & Indexing (GARVI), Gujarat (did not open from outside India).
- Land records: Any RoR - Land Record Details, Gujarat.
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; 2 sites 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 Gujarat?
Payotte shows no figure: the rate pages of Gujarat could not be read from outside India. Ask the sub-registrar office.
What EMI on a ₹50 lakh home in Gujarat?
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 Gujarat?
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 Gujarat on Payotte
Sources
- Prices and loans: NHB RESIDEX (source acknowledged); RBI House Price Index; RBI lending rates; RBI Credit Facilities Directions 2025, paragraph 111.