State-wise MODT Charges in India: Karnataka, Tamil Nadu, Telangana, Maharashtra & More
Anurag Sodani • July 14, 2026
MODT charges for home loan borrowers depend heavily on the state where the property sits. Each state sets its own stamp duty and registration rules. This means the same loan amount can attract very different charges in Karnataka versus Tamil Nadu. This guide breaks down the current rates state by state, so you can budget accurately.
Why MODT Charges Differ Across States
State governments control stamp duty under their own stamp acts. Each state decides its own rate, cap, and exemption structure. This explains why mod charges for home loan in Karnataka look different from mod charges for home loan in Tamil Nadu. States also revise these rates periodically. A rate you find online from last year may already be outdated.
Factors Affecting MODT Charges
- State stamp duty rate: Some states charge a flat percentage with no ceiling; others cap the amount.
- Registration fee structure: This fee sits separately from stamp duty and follows its own state rule.
- Loan amount: Since these charges scale with the loan amount, larger loans usually mean higher absolute costs.
- State-specific caps: Several states cap the maximum payable charge, regardless of loan size.
- Property location within the state: Some urban zones carry small additional cess amounts.
MODT Charges in Karnataka
Karnataka charges 0.5% stamp duty on your loan amount for MODT registration. It adds a separate 0.1% registration fee on top. Karnataka applies no upper cap on this charge. Your total MODT cost rises directly with your loan amount, with no ceiling to limit it. You must complete registration within four months of loan execution. The District Registrar can extend this by another four months if needed. Karnataka administers this process through the Kaveri Online Services portal. Note that Karnataka separately raised its property sale deed registration fee from 1% to 2% in August 2025 — this change applies to sale deeds, not to MODT charges.
MODT Charges in Tamil Nadu
Tamil Nadu applies a 0.5% stamp duty on your loan amount for MODT registration. It caps this stamp duty at ₹30,000, regardless of your loan size. Tamil Nadu also charges a 1% registration fee on the loan amount. This registration fee carries its own cap of ₹6,000. On a ₹30 lakh loan, this works out to roughly ₹15,000 stamp duty plus ₹6,000 registration. The Inspector General of Registration manages this process through the TNREGINET portal, which also offers an online calculator.
MODT Charges in Telangana
Telangana calculates MODT charges as roughly 0.6% of your sanctioned loan amount. This figure combines both stamp duty and registration components together. The state applies this rate uniformly across all locations within Telangana. Telangana’s Registration and Stamps Department manages this process through its official portal. The department also offers online tools for market value search and e-stamp payment.
MODT Charges in Maharashtra
Maharashtra applies approximately 0.3% stamp duty on your loan amount for MODT registration. A standard registration fee applies on top of this base rate. Some Maharashtra cities add a metro cess to overall property charges. Mumbai and Pune commonly apply this additional cess. Always confirm current rates directly with your lender or Maharashtra’s registration authority, since these figures shift periodically.
Corrected State-wise Comparison Table
| State | Stamp Duty | Registration Fee | Cap |
|---|---|---|---|
| Karnataka | 0.5% of loan amount | 0.1% of loan amount | No cap |
| Tamil Nadu | 0.5% of loan amount | 1% of loan amount | ₹30,000 stamp duty / ₹6,000 registration |
| Telangana | ~0.6% combined | Included in the 0.6% figure | Not specified in current sources |
| Maharashtra | ~0.3% of loan amount | Standard state rate | Metro cess may apply in Mumbai and Pune |
These figures reflect commonly cited current rates as of this writing. Stamp duty rules change periodically, so always verify the latest figure through your state’s official registration portal before paying.
How to Check the Latest MODT Charges in Your State
- Visit your state’s official stamps and registration portal directly.
- Ask your lender for a written, itemized cost breakdown before signing anything.
- Cross-check any figure your lender quotes against the state’s own online calculator.
- Confirm whether any cap applies to your specific loan amount.
Government Registration Process
The core registration steps stay similar across states. Your lender prepares the MODT document with your loan and property details. You then pay the applicable stamp duty, often through e-stamping. The document then goes to the relevant sub-registrar’s office for formal registration. Since 2013, lenders must also e-file a notice under Section 89B of the Registration Act, 1908. This step protects against fraudulent multiple mortgages on the same property.
Common Mistakes While Paying MODT Charges
- Assuming national uniformity: Stamp duty is a state subject, so never assume one state’s rate applies elsewhere.
- Confusing Karnataka’s 2025 sale deed hike with MODT: Karnataka’s registration fee for sale deeds rose to 2% in August 2025, but this change does not touch MODT charges, which remain separately calculated.
- Missing applicable caps: Tamil Nadu borrowers sometimes overpay by not checking the ₹30,000 and ₹6,000 caps.
- Using outdated online figures: Many articles online still cite stale rates; always verify against the current state portal.
Getting these numbers right helps you plan your full home-buying budget, alongside checking your home loan eligibility and comparing costs through a home loan EMI calculator.
Frequently Asked Questions
What are MODT charges?
MODT charges cover the stamp duty and registration fees paid when a lender registers your title deed deposit as loan security.
Why do MODT charges vary by state?
Each state controls its own stamp act, so rates, caps, and rules differ meaningfully across India.
What are MODT charges in Karnataka?
Karnataka charges 0.5% stamp duty plus 0.1% registration on your loan amount, with no cap.
What are MODT charges in Tamil Nadu?
Tamil Nadu charges 0.5% stamp duty, capped at ₹30,000, plus 1% registration, capped at ₹6,000.
What are MODT charges in Telangana?
Telangana charges roughly 0.6% of your loan amount, combining stamp duty and registration together.
Which authority collects MODT charges?
The relevant state’s sub-registrar’s office collects these charges at the time of registration.
How often do MODT charges change?
States revise these rates periodically, so always verify current figures before applying.
Conclusion
Modt charges for home loan borrowers vary significantly depending on the property’s state. Karnataka applies no cap, while Tamil Nadu caps both components clearly. Telangana and Maharashtra follow their own distinct structures. Always confirm current figures through your state’s official portal before finalizing your loan. Pair this research with a home loan EMI calculator and a check of your home loan eligibility.
