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.
The questions, answered
How much stamp duty and registration on a ₹50 lakh home in Kerala?
On a ₹50 lakh home in Kerala, bought above the fair value, the charges are stamp duty (8%) ₹4,00,000, registration fee (2%) ₹1,00,000: ₹5,00,000 in all, at the rates read on 14 October 2026.
How much stamp duty and registration on a ₹1 crore home in Kerala?
On a ₹1 crore home in Kerala, bought above the fair value, the charges are stamp duty (8%) ₹8,00,000, registration fee (2%) ₹2,00,000: ₹10,00,000 in all, at the rates read on 14 October 2026.
What EMI on a ₹50 lakh home in Kerala?
For a ₹50 lakh home, an Indian bank may lend at most 80% of the cost (₹30 to 75 lakh band, RBI), that is ₹40 lakh at most, the buyer paying at least ₹10 lakh plus stamp duty and registration, which banks do not finance (except on a home costing ₹10 lakh or less). At 7.61%, the RBI average rate on new housing loans (August 2026, provisional), ₹40 lakh over 20 years costs ₹32,493 a month.
The figures
| Measure | Value | Source |
|---|---|---|
| Stamp duty (8%) on ₹50 lakh | ₹4,00,000 | Registration Department, Government of Kerala |
| Registration fee (2%) on ₹50 lakh | ₹1,00,000 | Registration Department, Government of Kerala |
| RBI House Price Index, 18 cities, over a year | +3.6% | RBI, Q1:2026-27 (April-June 2026) |
| Average rate, new housing loans (August 2026) | 7.61% | RBI, provisional |
| RBI policy repo rate | 5.5% | RBI, since 7 October 2026 |
No official, openly readable series gives the price of a home in rupees city by city: the RBI and the NHB publish indices, not prices.
Cities of Kerala on Payotte
Sources
- Duty: Existing rates of stamp duty and registration fees for ready reference (as on 01.04.2023); the calculator.
- Prices: National Housing Bank, NHB RESIDEX press release, Q1 FY 2026-27 (April-June 2026) (NHB copyright policy: material may be reproduced free of charge, the source being prominently acknowledged (https://www.nhb.org.in/copyright-policy/)); Reserve Bank of India, press release 2026-2027/958, All-India House Price Index for Q1:2026-27 (24 August 2026).
- Loans: RBI, Lending and Deposit Rates of Scheduled Commercial Banks – September 2026, Table 9 (Sector-wise WALR, fresh rupee loans sanctioned, Housing); RBI (Commercial Banks – Credit Facilities) Directions, 2025, paragraph 111.