To calculate MODT (Memorandum of Deposit of Title Deed) charges, a percentage usually between 0.1% and 0.5% is applied to the loan amount, based on the applicable state's stamp duty regulations and lender policy. Many states also levy a registration fee, calculated as either a set percentage or a maximum cap, whichever amount is smaller. As an example, one lender applies 0.3% for stamp duty and 0.5% or Rs15,000, whichever is lower, for registration, plus minor legal charges. Below, I have shared how to calculate MODT charges.
What are the Steps to Calculate MODT Charges?
Identify your loan amount, since MODT charges are calculated as a percentage of it.
Check your state's stamp duty rate, which typically ranges from 0.3% to 0.6%.
Add the separate registration fee percentage applicable in your state.
Confirm whether your state applies any cap on stamp duty or registration fee.
In Karnataka, apply 0.5% stamp duty plus 0.1% registration, with no upper cap.
In Tamil Nadu, apply 0.5% stamp duty (capped at Rs30,000) plus 1% registration (capped at Rs6,000).
In Telangana, apply roughly 0.6% combined for both components together.
In Maharashtra, apply around 0.3% stamp duty, plus a standard registration fee and possible metro cess.
Cross-verify the final figure using your state's official registration portal or calculator.
Why do MODT Charges vary Across States?
MODT charges differ because stamp duty is a state subject, meaning each state government sets its own rates, caps, and exemption rules under its respective stamp act. This is why the same loan amount can attract different charges in Karnataka compared to Tamil Nadu or Telangana. States also revise these rates periodically, so figures found online may not always reflect the current structure.
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How to Calculate MODT Charges?
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2026-08-23T17:27:22+00:00 2026-08-23T17:27:23+00:00Comment
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