The sticker price is where the maths begins, not ends. Stamp duty, transfer duty, registration, brokerage with its GST, the TDS that isn’t a cost, the GST that sometimes is — one worked table for the whole cheque.
For a resale purchase, budget roughly 7–9.5% over the agreed price. The total cost of buying property in Delhi stacks three government levies — stamp duty (6% male / 4% female / 5% joint), 1% MCD transfer duty and 1% registration, an all-in of 6–8% of the higher of price or circle value — plus brokerage at 1% + 18% GST and legal fees. On a ₹10 crore floor registered to a male buyer, that is about ₹93 lakh over the price; to a female buyer, about ₹73 lakh. The buyer’s 1% TDS is not an extra cost (it’s routed out of the seller’s price), and 5% GST (₹50 lakh) applies only if you book under construction before the completion certificate.
Every week we meet buyers who negotiated the price to the last lakh and then discovered the closing costs as a surprise in the final fortnight. Nothing here is hidden — each line is published law or open market custom — but nobody adds them up in one place for the premium Delhi buyer. Consequently, this page does exactly that: one ₹10 crore worked example, every line item, and the variants that move the total.
The base case: a resale builder floor at ₹10 crore (market price above circle value), registered to a male buyer, unfinanced, standard 1%-per-side brokerage. Every figure below traces to our detailed guides linked in each row.
| Line item | Rate | Amount |
|---|---|---|
| Agreed price | — | ₹10,00,00,000 |
| Stamp duty (male) | 6% of higher of price / circle value | ₹60,00,000 |
| MCD transfer duty | 1% | ₹10,00,000 |
| Registration fee | 1% | ₹10,00,000 |
| Brokerage (buyer’s side) | 1% + 18% GST on the fee | ₹10,00,000 + ₹1,80,000 |
| Legal — title search, agreement, deed | Lump sum | ₹50,000–₹2,00,000 |
| TDS deposited by buyer (Form 26QB) | 1% — out of the price, not extra | (₹10,00,000 routed) |
| All-in — the cheque you actually write | ~9.3% over price | ≈ ₹10.93 crore |
Now the variants that move the number. Register to a woman and stamp duty drops to 4%: the government stack falls from ₹80 lakh to ₹60 lakh and the all-in to ≈ ₹10.73 crore — the single largest lawful saving on the page. Book under construction and GST at 5% adds ₹50,00,000, taking a male buyer to roughly ₹11.43 crore. Finance the purchase and add loan processing of ~0.25–0.5% of the loan plus valuation and legal charges, per our home loan guide — and remember stamp duty and costs are paid from your own funds, not the disbursement. Finally, the number the table can’t standardise: interiors, which in this market run anywhere from ₹25 lakh for a refresh to ₹2 crore+ for a bare-shell fit-out — budget it honestly, because it competes for the same corpus.
TDS is not your cost. The ₹10 lakh deposited via Form 26QB comes out of the ₹10 crore — you pay the seller ₹9.9 crore and the government ₹10 lakh on their behalf. Budget the compliance, not the amount. GST is conditional. On resale and completed floors — most of this market — it is nil. It exists only when you buy from a builder before the completion certificate, which is why the same floor can honestly be quoted at two different all-in numbers a month apart.
Token, then typically 10–20% at the agreement to sell, deducting TDS proportionately from each tranche. No levies are due yet — but the brokerage understanding should already be in writing.
E-stamp purchased for stamp duty + transfer duty on the higher of price or circle value; registration fee paid online with the appointment. This is the week the ₹80 lakh (or ₹60 lakh) actually leaves your account.
Balance consideration (less TDS) moves, the sale deed is executed and registered, brokerage falls due on completion.
Form 26QB for each payment’s TDS, Form 16B to the seller; then mutation, property tax and utility transfers — the closing housekeeping from our buying checklist.
Negotiate the price, but budget the cheque. The gap between the two is where deals wobble.
About 7–9.5% for a resale purchase: 6–8% in stamp duty, transfer duty and registration (by the buyer’s gender), roughly 1.2% in brokerage with GST, and legal fees. Under-construction bookings add 5% GST on top.
Stamp duty of 6% (male), 4% (female) or 5% (joint), plus 1% MCD transfer duty and a 1% registration fee — all computed on the higher of the agreed price or the circle-rate value.
Yes — 2% of the property value: ₹20 lakh on a ₹10 crore floor. Joint registration prices between at 5%. Weigh it with funding-trail and estate considerations, but the saving itself is straightforward law.
No — it is deducted from what you pay the seller and deposited against their PAN via Form 26QB. Your cost is the compliance; the seller claims the credit in their return.
Only when buying from a builder before the completion certificate — 5% of the agreement value with no input credit. Resale floors and completed floors with a CC carry no GST at all.
1% of the deal value from each side — the market floor — plus 18% GST on the fee, payable at completion. On ₹10 crore that is ₹10 lakh + ₹1.8 lakh from the buyer.
₹50,000 to ₹2 lakh for title search, agreement drafting and deed work on a deal of this size, depending on complexity — more if the chain needs curing. It is the cheapest insurance on the page.
Processing of roughly 0.25–0.5% of the loan, plus valuation, legal and CERSAI charges. Note that banks disburse against the property — stamp duty, registration and brokerage come from your own contribution.
On the higher of the two. Where the circle-rate computation exceeds your negotiated price, duty and TDS both compute on the circle figure — check the colony’s rates before finalising the budget.
Annual MCD property tax (modest for residential self-occupied use), society/maintenance where applicable, and insurance if you choose it. The purchase levies here are one-time; the deed never needs renewing.
Send us the colony and price — we’ll return the complete cheque-by-cheque budget, levies to interiors, before you negotiate. Clean deals only.
Figures reflect Delhi’s levies as of July 2026 — stamp duty 6%/4%/5% by buyer, 1% MCD transfer duty, 1% registration (computed on the higher of price or circle value), brokerage at the market’s standard 1% per side plus 18% GST, TDS under Section 194-IA, and GST at 5% for under-construction residential supplies — consistent with the detailed guides linked throughout. Rates change by notification; verify at doris.delhigovt.nic.in and with your advisors before committing funds.
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