Purchasing property in Uttar Pradesh entails more than simply concluding the sale deed and transferring the money to the vendor. Each property sale involves the payment of stamp duty and registration fees to render the ownership legally enforceable. The charges extend to all types of property—dwelling, commercial, plot, or land—and play a significant role in ensuring that the transaction is legally enforceable.
Understanding the registry fees in UP and the stamp duty in UP is crucial to homebuyers who will be buying property or taking a home loan. The rates could differ depending on the gender, type of ownership, and value of the property, and hence it is crucial to be aware of the precise rates and method of calculation.
Stamp Duty Rates in Uttar Pradesh
As of 2025, the stamp duty rates of Uttar Pradesh are roughly the same as in previous years. The stamp duty varies depending on gender and property type. In Uttar Pradesh, stamp duty is charged as a percentage of the transaction or circle rate of the property—whichever rate is higher.
Current UP Stamp Duty Rates:
- For Male Property Owners: 7% of the transaction value of the property
- For Female Property Owners: 6% (1% concession by the state government)
- For Joint Ownership (Male + Female): 6.5%
- For Joint Ownership (Female + Female): 6%
- For Joint Ownership (Male + Male): 7%
All rates are applicable throughout all UP districts, cities, and towns. The customers need to check UP stamp duty rates on the official IGRS UP website before making payments.
Registration Charges in Uttar Pradesh
Besides stamp duty, consumers also need to pay registration fees in UP to register the property in the government ledger legally. The registry fees in UP are set at 1% of the market value of the property for all purchasers—regardless of gender.
This applies to all types of properties equally:
- Property registration fees in UP for women: 1%
- Plot registration fees in UP: 1%
- Home registration fees in UP: 1%
- Land registration fees in UP: 1%
Accordingly, whether it is the UP house registry fee or the UP land registration fee, the amount is identical. These are compulsorily payable to obtain an official document of registration.
How Stamp Duty is Computed
Stamp duty fees in UP are computed using the higher figure between:
- The market value of the property, and
- The circle rate (guidance value) is established by the local authorities.
Formula
Stamp Duty = (Greater of Market Value or Circle Rate) × Applicable Stamp Duty Rate Registration Charges = (Value of Property) × 1%
Illustration:
Assume that the transaction value of a residential property is ₹60 lakh and its circle rate value is ₹55 lakh. The stamp duty for a female purchaser would be as follows:
₹60,00,000 × 6% = ₹3,60,000 Registration = ₹60,00,000 × 1% = ₹60,000 Total Payable: ₹4,20,000
Purchasers may employ the stamp duty and registry fees calculator or the registry fees in UP calculator on official websites and reliable financial websites to get an estimate of their overall cost before purchasing.
Also Read: UP Awas Vikas 2025: Everything You Need to Know About Affordable Housing in Uttar Pradesh
Modes of Payment for Stamp Duty and Registration
The Uttar Pradesh government offers several modes for payment of registry fees in UP:
Online Payment:
- Via the official IGRSUP website
- Via internet banking, debit card, or challan
- e-Stamping facility through Stock Holding Corporation of India Ltd. (SHCIL)
- For instance
Offline Payment:
- Utilizing physical stamp papers bought from licensed dealers
- Through franking at approved banks or registrar offices
- Direct payment at sub-registrar offices
E-Stamping is now the preferred and safer alternative throughout UP. It provides a digital record of transactions and eliminates duplication or fraud.
Refunds and Corrections
If additional stamp duty is paid or the deal is cancelled, under the provisions of the Indian Stamp Act, a refund can be obtained. In UP, refunds under this category are settled by the district collector within a specified timeframe, subject to submission of valid proof and unused e-stamps. Timely filing is required on the part of buyers because refunds are provided only under certain conditions.
Documents Required for Property Registration
To finalize property registration and registry fees in UP, the following documents are required:
- Sale deed (drawn and signed by both sides)
- Proof of identity (Aadhaar, PAN, voter ID)
- Proof of address (utility bills, passport, etc.)
- Passport-sized photographs of the seller and buyer
- Encumbrance certificate
- Documents of title to property
- No Objection Certificate (NOC), if any
- Power of attorney, if some other person signs on behalf of the owner
All the documents should be valid, self-attested, and verified at the time of registration.
Tax Relief on Stamp Duty and Registration Fees
As per Section 80C of the Income Tax Act, purchasers can deduct stamp duty and registration fees on residential property purchases.
- The limit for the deduction is ₹1.5 lakh.
- The property should be registered in the name of the taxpayer
- The claim is allowed only in the year of payment
- The advantage is not extended to commercial or resale premises.
The tax deduction, when added to a good rate of home loan interest, can significantly cut the cost of owning property.
Factors Affecting Stamp Duty and Registration Fees
The overall registry rate in UP and stamp duty are based on the following factors:
- Gender of the buyer or co-owner (since women get lower rates)
- Location (urban areas versus rural areas may have different circle rates)
- Property type (residential, agricultural, or commercial)
- Transaction type (sale, gift, lease, exchange)
- Property value and area (higher valuation attracts higher duty)
Buyers intending to make an application for a home loan need to consider such costs when determining home loan eligibility, as banks take the total transaction cost into account in assessing applications.
Also Read: All About PMAY Gramin Scheme 2025: Documents, Eligibility & How to Apply Online
Conclusion
Whether buying a house, plot, or apartment, familiarity with the stamp duty in UP and UP property registration charges is essential. Such charges constitute an important portion of the total price of the property and make the ownership valid legally. Verify the current Uttar Pradesh stamp duty and registry fees in UP through authentic means before making the payment.
Buyers can accurately estimate costs using online resources such as the stamp duty and registration charges calculator. And if they are looking to finance a purchase, inquiring about home loan interest rates and eligibility with reputed lenders such as Grihum Housing Finance ensures a smoother and cheaper process.
By staying educated and calculating all the costs beforehand, buyers can make better, legally compliant, and financially prudent property investments in Uttar Pradesh.
FAQs
1. What is the current stamp duty rate in Uttar Pradesh?7% for male buyers, 6% for female buyers, and 6.5–7% for joint ownership.
2. What are the registration charges in Uttar Pradesh?1% of the property value, irrespective of gender.
3. How can I pay stamp duty and registration charges online?Through the official UP IGRS portal using net banking, debit, or credit cards.
4. Are stamp duty and registration charges refundable?Stamp duty is generally non-refundable; registration fees may be refundable if the deed is cancelled before registration.
5. Can I avail of tax benefits on stamp duty and registration charges?Yes, a deduction of up to ₹1.5 lakh under Section 80C is available for residential property purchases.
6. What is the stamp duty for a gift deed in Uttar Pradesh?7% of the property value; a flat ₹5,000 for transfers among blood relatives.
7. How to calculate stamp duty and registration charges in Uttar Pradesh?Stamp duty = applicable % × higher of market or circle rate; registration = 1% of the same value
8. Can I pay stamp duty by credit card in Uttar Pradesh?Yes, credit cards are accepted for online payment of stamp duty and registration charges.
