Calculator · Telangana · 2026

Telangana Registration Charges & Down Payment Calculator

Buying a home in Hyderabad? Know your total upfront cost before you start — stamp duty, registration fee, transfer duty, and down payment, all calculated for your specific property value and loan amount.

Total Upfront Cost Calculator

Enter your property details to get the complete picture — down payment + stamp duty + registration + transfer duty + other costs.

Property Value (₹)

Location Type

Loan Amount (₹) — leave blank to auto-calculate at 75% LTV

Property Type

Discuss My Upfront Costs With an Expert — Free

Telangana Registration Charges Breakdown (2026)

Component	GHMC Area	HMDA Area	Other Telangana
Stamp Duty	5% of property value (or govt guideline value, whichever is higher)	5%	5%
Registration Fee	0.5% of property value	0.5%	0.5%
Transfer Duty	1.5% (municipal transfer duty)	1.5%	1%
Total Registration Cost	7%	7%	6.5%
MODT (on loan amount)	0.1–0.2% of loan	0.1–0.2%	0.1–0.2%

Important: Government Guideline Value

Registration charges are calculated on the higher of the actual sale price and the government guideline (circle) value. Recent revisions in western Hyderabad growth corridors (Kokapet, Narsingi, Financial District) have significantly increased guideline values — in many cases close to or above actual market prices. Always verify the guideline value for your specific survey number at the Telangana registration department before budgeting.

Down Payment + LTV Rules for Home Loans

Loan Amount	RBI Max LTV	Min Down Payment	Example (₹1Cr Property)
Up to ₹30 lakh	90%	10%	N/A (West Hyd prices exceed this)
₹30–75 lakh	80%	20%	N/A for most West Hyd properties
Above ₹75 lakh	75%	25%	₹25L down payment + ₹7L registration = ₹32L upfront

For most West Hyderabad properties (above ₹75 lakh), the practical formula is: Total upfront = 25% down payment + 7% registration + 1–2% other costs ≈ 33% of property value.

Sample Calculations by Property Value

Property Value	Down Payment (25%)	Registration (~7%)	MODT + Legal (~1%)	Total Upfront	Loan Amount (75%)
₹75 Lakh	₹18.75L	₹5.25L	₹0.75L	₹24.75L	₹56.25L
₹1 Crore	₹25L	₹7L	₹1L	₹33L	₹75L
₹1.5 Crore	₹37.5L	₹10.5L	₹1.5L	₹49.5L	₹1.125Cr
₹2 Crore	₹50L	₹14L	₹2L	₹66L	₹1.5Cr
₹2.5 Crore	₹62.5L	₹17.5L	₹2.5L	₹82.5L	₹1.875Cr

Know Your Exact Upfront Cost Before You Buy

Registration charges, MODT, and hidden fees vary by property and lender. Mintra calculates your exact total upfront cost — including lender-specific charges — for free.

Get My Exact Upfront Cost — Free

Frequently Asked Questions

What are the registration charges for a ₹1 crore flat in Hyderabad?

For a ₹1 crore flat in GHMC area: Stamp duty (5%) = ₹5 lakh, Registration fee (0.5%) = ₹50,000, Transfer duty (1.5%) = ₹1.5 lakh. Total registration cost ≈ ₹7 lakh. Add MODT on loan amount (0.1–0.2%) and legal/processing fees. Total with 25% down payment: approximately ₹33 lakh upfront.

Is stamp duty different for women buyers in Telangana?

Unlike some states (Karnataka, Maharashtra), Telangana does not currently offer a reduced stamp duty rate for women buyers. The stamp duty is 5% regardless of the buyer's gender. However, having a woman as a co-applicant on the home loan can sometimes improve eligibility and may offer slightly better rates at certain lenders.

How is the government guideline value determined for registration?

The Telangana government maintains a "basic value" (guideline value) for every survey number, updated periodically. Registration charges are calculated on the higher of the declared sale price and this guideline value. Recent revisions in western Hyderabad — especially Kokapet, Narsingi, and Financial District — have pushed guideline values close to or above market prices. You can check the guideline value for any survey number at the IGRS Telangana website or at the Sub-Registrar office.