Stamp Duty and Registration Charges in Haryana 2026

Stamp duty and registration charges are mandatory statutory payments applicable to all property transactions in Haryana. These charges are levied by the state government to provide legal validity to property transfer documents and to ensure ownership details are officially recorded in land records.

For individuals purchasing residential, commercial, or agricultural property in 2026, understanding stamp duty in Haryana for property registration is essential to estimate the total investment accurately. These charges also play a significant role for buyers planning to opt for financing options such as a loan against property or those who wish to check housing loan eligibility using financial tools.

What Is Stamp Duty in Haryana

Stamp duty in Haryana is a tax imposed on legal instruments that create, transfer, or extinguish rights in immovable property. It applies to sale deeds, conveyance deeds, gift deeds, lease deeds, mortgage deeds, and other agreements. Payment of stamp duty ensures that the document becomes legally enforceable and admissible in a court of law. Without paying stamp duty, a property document cannot be registered, and ownership rights cannot be legally established.

Stamp Duty Rates in Haryana in 2026

Stamp duty rates in Haryana are determined based on the buyer’s ownership category. As applicable in 2026, the stamp duty rates in Haryana are as follows:

• Male buyer: 7 percent
• Female buyer: 5 percent
• Joint buyers (male and female): 6 percent
• Joint buyers (female and female): 5 percent
• Joint buyers (male and male): : 7 percent

These rates apply to residential, commercial, and agricultural property transactions unless a specific concession is notified by the state government.

Stamp Duty in Haryana for Females

Stamp duty for female buyers in Haryana is charged at a concessional rate of 5 percent, which is 2 percent lower than the rate applicable to male buyers. This concession is applicable when the property is registered solely in the name of a woman.

Stamp Duty in Haryana for Joint Buyers

For joint ownership where the property is registered in the name of a male and a female buyer together, stamp duty is charged at 6 percent. This structure encourages shared ownership while still offering a partial benefit when a woman is included as a co-owner.

Also Read: EPF Housing Scheme 2025: Benefits, Eligibility, and How to Apply

Registration Fees and Registry Charges in Haryana

Registration fees in Haryana are fixed at 1 percent of the property value. This value is calculated based on the higher of the agreement value or the collector rate, also known as the registry rate in Haryana. Registration fees are mandatory and payable at the Sub-Registrar Office to record ownership details in official land records.

Property registration charges in Haryana consist of stamp duty plus the 1 percent registration fee. Together, these form the total registry charges in Haryana payable at the time of property registration.

How Stamp Duty Is Calculated in Haryana

Stamp duty in Haryana is calculated using a standard method. The steps are:

1. Identify the higher of the sale consideration or the collector rate.
2. Apply the applicable stamp duty rate based on buyer category.
3. Add registration fees at 1 percent of the same value.

Buyers often use online tools such as registry charges in Haryana calculators to estimate payable amounts accurately and avoid last-minute discrepancies.

Stamp Duty on Agricultural Land in Haryana

Stamp duty in Haryana on agricultural land follows the same rate structure as other property categories. The applicable rate depends on the buyer’s category, with 7 percent for men, 5 percent for women, and 6 percent for joint male-female ownership. Agricultural land transactions must also be registered, and registration fees apply at 1 percent of the value.

Stamp Duty on Rent and Loan Agreements in Haryana

Stamp duty in Haryana for a rent agreement - Stamp duty in Haryana for a rent agreement depends on the duration of the lease and the average annual rent. Short-term leases attract lower stamp duty, while longer lease periods attract higher duty as per the schedule prescribed under the Haryana Stamp Act.

Stamp duty in Haryana for a loan agreement - Stamp duty in Haryana for loan agreements, including mortgage deeds created for loans against property, is charged at a lower rate compared to sale deeds. For an equitable mortgage created by deposit of title deeds, stamp duty is generally charged at 0.15 percent of the loan amount, subject to a maximum cap notified by the state. This reduced rate helps borrowers manage costs when securing loans against immovable property.

Importance of Stamp Duty for Loan Against Property

Stamp duty and registration charges are important considerations for borrowers opting for a loan against property. Financial institutions require properly stamped and registered property documents before loan disbursement. Borrowers often use a loan against property calculator along with registry charges in Haryana estimates to assess the total financial requirement. These charges are usually not included in the loan amount and must be paid separately by the borrower.

Payment of Stamp Duty and Registration Charges in Haryana

Stamp duty and registration fees in Haryana can be paid through both online and offline modes. The state provides electronic payment facilities through authorised portals where buyers can generate e-stamp certificates and complete payments digitally. Offline payment options through designated banks and Sub-Registrar Offices are also available.

At the time of registration, buyers must submit the sale deed, identity proofs, PAN card, property documents, and loan papers if they plan to apply for a home loan or loan against property financing.

Registry Rate and Its Role in Property Valuation

The registry rate in Haryana, also known as the collector rate, plays a crucial role in determining stamp duty and registration charges. If the agreement value declared by the buyer is lower than the collector rate, stamp duty and registration fees are calculated on the collector rate. This mechanism ensures transparency and prevents undervaluation during property transactions.

Also Read: What is Own Contribution (OCR) in Home Loan?

Conclusion

Stamp duty and registration charges in Haryana are essential components of property transactions in 2026. With stamp duty rates ranging from 5 percent to 7 percent based on buyer category and registration fees fixed at 1 percent, buyers must account for these statutory costs during financial planning. Special considerations, such as stamp duty in Haryana for female buyers, joint ownership structures, agricultural land transactions, and loan agreements, influence the final payable amount.

Understanding how stamp duty is calculated in Haryana, along with registry rates and registration fees, ensures compliance and smoother transactions. Buyers planning to check housing loan eligibility or use a loan against property calculator should factor in these charges early, especially when working with trusted financial partners such as Grihum Housing Finance.

FAQs

1. What is the current stamp duty rate in Haryana?

Stamp duty in Haryana for males is 7% (urban) and 5% (rural), 5% for females (urban), and 3% (rural), and for joint ownership, it is 6% (urban) and 4% (rural).

2. What are the current registration charges in Haryana?

The registration charges are 1% of the value of the property with subject to slab-based minimum and maximum limits.

3. Are there any concessions for women buyers in Haryana?

Women property buyers pay lower stamp duty rates than men, both in urban and rural areas.

4. How do I calculate stamp duty and registration charges in Haryana?

Standard rates for applicable stamp duty, in addition to a 1% registration fee, are calculated from the higher circle rate or agreement rate.

5. What is the stamp duty on a gift deed in Haryana?

Stamp duty on gift deed is generally 5% in urban areas, while it is 3% in rural areas.

6. Can I pay stamp duty online in Haryana?

Yes, it is possible to legally pay stamp duty online through the Haryana government’s registration portal.

7. Is stamp duty applicable on agricultural land in Haryana?

Yes, stamp duty is required to be calculated for agricultural land, given its location and value.

8. What happens if stamp duty is not paid in Haryana?

If the stamp duty is not paid, the property documents will be invalid, and thus cannot be registered.

9. Is there a penalty for late payment of stamp duty in Haryana?

Yes, a penalty of 10 times the registration fee can be charged for late payment.

10. What documents are required for property registration in Haryana?

The sale/gift deed, valid ID proof, title documents, photographs, and payment receipts should be provided.