What is stamp duty in Uttar Pradesh?

Indicatively 7% for a male buyer, 6% for a female buyer and 6.5% for a joint purchase, plus a 1% registration fee. These are state government rates and are revised in state budgets, so always confirm with the sub-registrar.

Can stamp duty be added to my home loan?

No. Lenders fund a percentage of the property value only, and stamp duty and registration are excluded. You must pay them from your own funds, on top of the down payment.

Is it worth registering the property in a woman’s name?

In many states, yes. Uttar Pradesh, Delhi, Haryana, Rajasthan and Punjab all charge women buyers less. On a large purchase the saving can be substantial, though there are ownership and succession implications worth thinking through first.

Is duty charged on the agreement value or the circle rate?

On whichever is higher. If you buy below the government circle rate, you still pay duty on the circle rate. Check the circle rate for the locality before you agree a price.

Stamp Duty Calculator

Stamp duty and registration are paid from your own pocket and cannot be funded by the loan. This works out what you must keep aside, with Uttar Pradesh rates preset and editable.

Your numbers

Move a slider or type a number. Everything updates instantly, and the link above carries your values so you can share or save them.

Property value

Fifty lakh

Use the higher of the agreement value and the circle rate. The registrar charges on that.

State

Who is buying?

Many states charge women buyers less. Registering in a woman's name can be a genuine saving.

Stamp duty rate

Preloaded from the state above. Edit it to whatever the sub-registrar actually quoted.

Registration fee

Charged on the property value.

Keep aside for registration

₹4,00,000

on a ₹50,00,000 property in Uttar Pradesh

8%on top of the price

Total cost of the purchase

₹54,00,000

property value plus every statutory charge

Property value: ₹50,00,000
Stamp duty: ₹3,50,000
Registration fee: ₹50,000
Total charges: ₹4,00,000

This cannot be funded by your loan

Lenders fund a percentage of the property value only. Stamp duty and registration must come from your own pocket, on top of the down payment. Buyers who forget this find themselves ₹4,00,000 short a week before registration.

A note on Uttar Pradesh

Women buyers get a 1% rebate, which UP applies on value up to ₹10 lakh.

All rates here are indicative. State budgets revise them, and many cities add a local body or metro cess on top. Confirm the exact figure with the sub-registrar office before you plan around it.

How this is calculated

Stamp duty = value x duty%. Registration = value x registration%, subject to any cap.

Nothing is hidden. The same formula runs in a shared, unit-tested library used by every calculator on this site.

Stamp Duty

Uttar Pradesh rates by default

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