Stamp duty is usually the biggest cheque you write after the home itself, and it surprises a lot of first-time buyers. So let’s work it out properly for L&T Aravista, before it turns up as a line on your cost sheet.
The rates in Gurugram
In Haryana, stamp duty depends on who the property is registered to, and whether it sits inside municipal limits. Sector 86 falls in the urban category, where the rates most guides quote for 2026 are:
| Buyer | Urban rate | Rural rate |
|---|---|---|
| Man | 7% | 5% |
| Woman | 5% | 3% |
| Joint (man and woman) | 6% | 4% |
On top of that, there’s a registration fee. It rises in slabs with the property value and is capped at ₹50,000, so at Aravista’s price levels you’ll simply pay the cap.
What it’s charged on
Duty is worked out on the value in the conveyance deed or on the government’s circle-rate (collector-rate) value, whichever is higher. For a new launch priced like Aravista, the deed value will almost certainly be the higher of the two. Collector rates in Gurugram have been revised several times since late 2024, though, so it’s worth checking the current rate for Sector 86 before you budget.
Worked examples for Aravista
| Home | Starting price* | Man (7%) | Woman (5%) | Joint (6%) |
|---|---|---|---|---|
| 3 BHK Majesta | ₹4.75 Cr | ₹33.25 L | ₹23.75 L | ₹28.50 L |
| 3 BHK Luxuria | ₹5.50 Cr | ₹38.50 L | ₹27.50 L | ₹33.00 L |
| 4 BHK Majesta | ₹7.00 Cr | ₹49.00 L | ₹35.00 L | ₹42.00 L |
| 4 BHK Luxuria | ₹8.00 Cr | ₹56.00 L | ₹40.00 L | ₹48.00 L |
*Indicative Phase 1 starting prices. Your duty will be on the final deed value, which may include PLC, parking and other charges. Add the ₹50,000 registration fee to each figure.
The women-buyer saving
Look at the gap between the first two columns. On a ₹4.75 Cr home, registering in a woman’s name alone saves about ₹9.5 lakh, and on the 4 BHK Luxuria it’s ₹16 lakh. That’s why so many families register in the name of a wife, mother or daughter. Just make sure the decision suits your family’s plans, because the person on the deed is the legal owner.
When you actually pay it
Not at booking. Stamp duty is paid when the conveyance deed is registered, which for an under-construction project like Aravista happens around possession, years from now. The rates could change by then, so treat today’s numbers as a planning figure, not a quote.
In Haryana, you pay the duty online through the e-GRAS portal and book a registration slot on the IGRS Haryana site, then sign in front of the Sub-Registrar.
Can I claim it against tax?
Under the old tax regime, stamp duty and registration charges count towards the ₹1.5 lakh principal-repayment deduction, in the year you pay them. That’s a small offset compared with the amounts above, but it’s worth knowing about.
Want the full picture, including GST? Our price list and payment plan guide breaks down the rest.
Want a cost sheet with stamp duty worked out for your home?
