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Stamp duty and registration calculator
Work out the stamp duty, registration fee and other charges on a property deed in Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan or Islamabad, on the price or the DC value, for a sale or a gift within the family, at the rates checked in September 2026.
- Rates checked September 2026
- Every province and Islamabad
- Free, no sign-up
Calculator
Work out the charges on your deed
Pick the province, say whether the property is in a town and whether it is a sale or a gift, and give the price and the DC value if you know it.
Charges on the deed
- Stamp duty
- Rs 200,0001% of the value
- Everything else
- Rs 221,000Registration fee, taxes and fees
- Charged on
- Rs 20,000,000The price on the deed
- Share of the price
- 2.11%Of Rs 20,000,000
- Stamp dutyCheck before you pay1% of Rs 20,000,000
- Rs 200,000
- Registration feeFixed by the price on the deed
- Rs 1,000
- Local government tax (TMA)Check before you pay1% of Rs 20,000,000
- Rs 200,000
- PLRA e-registration chargeCheck before you pay0.1% of Rs 20,000,000
- Rs 20,000
- Total on the deed
- Rs 421,000
Rates marked check before you pay were reported or estimated, not read in the law as it stands. The total uses them; confirm each with the sub-registrar or the Board of Revenue, and change it under Rates used if yours differs.
Not included: the FBR's advance tax on the buyer (section 236K) and the seller (section 236C), collected at the same registration; a society or authority's own transfer fee; and the agent's commission. The property buying cost calculator adds them all up.
Rates as of September 2026. The buyer pays these unless the sale agreement says otherwise. Confirm every figure with the sub-registrar, or on the e-stamp challan, before you pay.
Reference
Stamp duty and transfer charges by province
What each province and Islamabad charge when a property deed is registered, on the price on the deed or the DC value, whichever is higher, unless marked otherwise.
| Province or territory | Stamp duty on a sale | Gift to close family | Registration fee | Capital value tax | Local council tax | Other |
|---|---|---|---|---|---|---|
| Punjab | 1% * in towns, 1% elsewhere | 1% * in towns, 1% elsewhere | Rs 500 or Rs 1,000 | None since July 2017 | 1% * | PLRA e-registration charge: 0.1%, at least Rs 3,600 * |
| Sindh | 2% | 0.4% * | 0.5% of the DC value * | None since September 2020 | 1% of the DC value * | Scanning and endorsement fees: Rs 1,005 * |
| Khyber Pakhtunkhwa | 1% in towns, 2% elsewhere | Not confirmed * | 0.5% | 1% | 1% | None found |
| Balochistan | 2% * | 1.5% * in towns, 2% * elsewhere | Not confirmed * | Not confirmed * | Not confirmed * | None found |
| Islamabad Capital Territory | 1% | 1% | 1% * | 2% * | None found | None found |
* Check before you pay: reported, or two official sources disagree, rather than read in the law as it stands. Punjab's printed Stamp Act says 2% for urban property; its Board of Revenue says 1% is charged. Agricultural land pays 1% in Khyber Pakhtunkhwa and Balochistan. The buyer also pays the FBR's advance tax, which is not in this table. Rates as of September 2026; confirm with the sub-registrar before you pay.
How it is worked out
From the value on the deed to the charges
Registering a sale deed brings a set of provincial and local charges besides the FBR's advance tax: the province's stamp duty on the deed, the fee for registering it, and in some provinces a capital value tax and the local council's tax on the transfer of property. The sub-registrar collects them before the deed is registered, and section 29 of the Stamp Act puts the stamp duty on a sale on the buyer unless the two sides agree otherwise.
Each charge is a percentage of the property's value, and section 27-A of the Stamp Act says what that value is: the district collector's valuation table for the area, the DC rate, unless the deed declares more, in which case the declared value is used. So the charges fall on the price on the deed or the DC value, whichever is higher. DC values usually sit below market prices, so on an honest deed the price is normally the higher figure. The FBR keeps a separate valuation table, used for the advance tax, not for stamp duty.
Punjab cut the stamp duty on rural property from 3% to 1% in April 2026, to match the 1% its Board of Revenue says it charges in towns, and has had no separate capital value tax or percentage registration fee since July 2017, when both were folded into stamp duty. Sindh has charged 2% on the higher value since July 2024 and abolished its capital value tax in September 2020. Khyber Pakhtunkhwa charges 1% in urban areas and 2% elsewhere, with a registration fee, a capital value tax and a local council tax on top. Islamabad cut its stamp duty from 4% to 1% from July 2025, and capital value tax is still collected there when a deed is registered.
Stamp laws change with each provincial budget, and not every schedule is published in full. A rate read in the law, or in a Board of Revenue's own schedule, is used as it stands. A rate that was only reported, or on which two official sources disagree, is marked check before you pay, and every rate can be changed under Rates used. Rates as of 30 September 2026. Confirm the final figures with the sub-registrar, or on the e-stamp challan, before you pay.
Words you will hear
Terms on a property deed
- Stamp duty
- A provincial tax on the deed itself, the sale deed or gift deed, paid through an e-stamp paper or challan before the deed is registered. Each province sets its own rates in its schedule to the Stamp Act 1899.
- DC rate or valuation table
- The value per marla, square yard or square foot that the district collector notifies for each area. Stamp duty is charged on it, or on the price on the deed where that is higher.
- Registration fee
- The fee for entering the deed in the sub-registrar's books under the Registration Act 1908. Punjab charges it as a fixed extra stamp duty of Rs 500 or Rs 1,000; the other provinces as a percentage of the value.
- Capital value tax (CVT)
- A tax on acquiring immovable property. Khyber Pakhtunkhwa charges 1%. Punjab folded its CVT into stamp duty in 2017 and Sindh abolished its CVT in 2020. In Islamabad it is a federal tax under the Finance Act 1989, collected when the deed is registered.
- TMA tax or town tax
- The local council's tax on the transfer of immovable property, collected with the stamp duty: a tehsil or town municipal administration tax in Punjab and Khyber Pakhtunkhwa, town tax in Sindh.
- E-stamp paper
- The electronic stamp paper every province and Islamabad now issue, which records the duty paid and carries a barcode the registrar checks. Manual stamp papers are no longer accepted for a property deed.
- Mutation (intiqal)
- The entry in the revenue record that transfers agricultural land, made at the land record centre on the strength of a registered deed or an oral sale, with its own mutation fee.
Questions
Stamp duty questions
Still have a question?
Ask our team during Pakistan business hours, in English or Urdu.
+92 333 2466662Chat on WhatsAppHow much is stamp duty on property in Punjab in 2026?
1% of the value, in cities and in rural areas alike since the Stamp (Amendment) Act 2026 cut the rural rate from 3% in April 2026. The Act as printed still says 2% for urban property, but the Board of Revenue says 1% is charged, so check the figure on your e-stamp challan. On top come a Rs 1,000 registration stamp, the 1% TMA tax and the land records authority's e-registration charge: on a Rs 2 crore house in a Punjab city, Rs 421,000 in all.
What is the stamp duty and CVT in Islamabad?
Stamp duty in Islamabad is 1% of the value, cut from 4% by the Finance Act 2025 from 1 July 2025, and a gift deed pays the same. Capital value tax under the Finance Act 1989 is still collected when the deed is registered, quoted at 2%, and the registration fee is reported at 1%; neither could be read in the current law, so confirm both with the sub-registrar. On a Rs 2 crore property that is Rs 800,000 with all three.
Is stamp duty charged on the DC rate or on the actual price?
On whichever is higher. Section 27-A of the Stamp Act takes the value from the district collector's valuation table, the DC rate, unless the deed declares a higher value, which is then used instead. Since DC values are usually below market prices, a deed that states the real price is normally charged on the price.
What is TMA tax on a property transfer?
It is the local council's tax on the transfer of immovable property, collected with the stamp duty when the deed is registered. It is 1% in Punjab, as reported, and 1% in Khyber Pakhtunkhwa by the Board of Revenue's schedule. Sindh calls it town tax and charges 1% of the valuation table value.
What does it cost to register a property in Karachi?
Stamp duty has been 2% of the price or the valuation table value, whichever is higher, since July 2024. The Board of Revenue's online evaluation adds a 0.5% registration fee and 1% town tax on the valuation table value and Rs 1,005 in fixed fees. Sindh has charged no capital value tax since September 2020. A Rs 2 crore house with a valuation of Rs 1 crore comes to Rs 551,005: Rs 400,000 of it stamp duty.
Is stamp duty lower on a gift to family?
In some provinces. Sindh charges one fifth of the sale rate, 0.4%, on a gift to a spouse, parent, child, grandparent, grandchild, brother or sister, and Balochistan 1.5% in urban areas against 2% on a sale. Punjab and Islamabad charge a gift the same as a sale. Khyber Pakhtunkhwa names a rate for agricultural land gifted to legal heirs but not for a house, so ask the registrar there. Inherited property passes by mutation or succession, not by a gift deed.
Who pays stamp duty, the buyer or the seller?
The buyer, unless the sale agreement says otherwise: section 29 of the Stamp Act puts the stamp on a sale deed on the grantee. By custom the buyer also pays the registration fee and the provincial and local taxes collected with it. The seller pays their own advance tax to the FBR.
Do I still pay the FBR's advance tax as well?
Yes. The stamp duty and the other charges here are provincial and local. The FBR's advance tax is collected at the same registration: 1.25% of the value from a buyer on the Active Taxpayers List under section 236K (10.5% or more from a non-filer), and 2.75% from a seller on the list under section 236C. The property tax calculator works those out, and the property buying cost calculator adds everything together.
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