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UP Stamp Duty and Registration Charges 2025: Visual thumbnail highlighting the 6% Stamp Duty rate for female buyers, the male vs female concession, and the ₹5,000 cap for blood relation property transfers in Uttar Pradesh.
Get the latest Stamp Duty and Registration Charges in UP for 2025,26 featuring the significant 6% rate for female homebuyers and the ₹5,000 cap for property transfers among blood relatives. Visit IGRSUP for official calculation.

stamp duty and registration charges in up

Posted by Lavkush C on December 4, 2025
Buying Properties, Greater Noida News, Real Estate
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📈 Navigating Stamp Duty and Registration Charges in UP: The 2025 Financial Toolkit

Buying a property in Uttar Pradesh (UP) involves significant financial planning, and the mandatory Stamp Duty and Registration Charges in UP are chief among these costs. These fees are non-negotiable taxes paid to the state government to legally validate your sale deed and secure your <a

href=”https://gnpropertyhub.com/property/2-bhk-flat-for-sale-in-greater-noida-under-30-lakh/”>property ownership. 🔑

This ultimate 2025 guide details the current rates, concessions, and calculation methods, ensuring you understand every financial aspect of your property registration in UP. For all official calculations and payments, always refer to the Stamp and Registration Department, Uttar Pradesh official portal: IGRSUP: https://igrsup.gov.in/ 👈

🎯 Current Stamp Duty and Registration Charges in UP (2025)

The rates for Stamp Duty in UP and the accompanying Registration Charges in UP are structured to offer a significant advantage to female homebuyers, actively promoting female property ownership under the state’s empowerment initiatives.

Here is the essential breakdown of the current stamp duty rates for property registration in Uttar Pradesh:

Property Ownership Stamp Duty in UP (Rate on Property Value) Registration Charges in UP (Rate on Property Value) Total Payable for Property Registration
Male Owner 7% 1% 8%
Female Owner 6% (Subject to the ₹1 Cr cap on concession) 1% 7%
Joint (Male + Female) 6.5% 1% 7.5%
Commercial Property 7% (Male Rate) / 6% (Female Rate) 1% 8% / 7%

The property registration charges in UP (1%) remain constant regardless of the buyer’s gender, type of property, or value.

🌟 Major Concession: Stamp Duty in UP for Female Buyers

The Uttar Pradesh government has significantly boosted the concession available for female property buyers.

  • The Concession: Women buyers receive a 1% concession on the standard 7% stamp duty rate, making the effective stamp duty in UP for female owners 6%.

  • The Limit: This 1% rebate is now applicable on the value of residential properties up to ₹1 Crore. This means a woman buyer can save a maximum of ₹1,00,000 on her stamp duty payment.

  • Residential Only: It’s crucial to note that this specific stamp duty rebate applies exclusively to residential properties.

This policy drastically reduces the total cost of property registration charges in UP for female homebuyers, making housing more affordable.

🧮 Formula for Calculating Stamp Duty in UP

The calculation of Stamp Duty and Registration Charges in UP is determined by the maximum of two values:

\text{Stamp Duty Amount} = \text{Higher of (Agreement Value OR Circle Rate)} \times \text{Applicable Stamp Duty Rate}

  1. Agreement Value: The actual sale price recorded in the sale deed.

  2. Circle Rate (Guidance Value): The minimum price per square meter set by the Stamp and Registration Department, Uttar Pradesh for a specific locality. You can check the latest Circle Rates on the IGRSUP portal.

Example Calculation:

A male buyer purchases a flat for ₹60 Lakh in a city where the Circle Rate is ₹70 Lakh.

  • Base Value for Calculation: ₹70 Lakh (The higher value).

  • Stamp Duty (7%): 7\% \text{ of } ₹70,00,000 = ₹4,90,000

  • Registration Charge (1%): 1\% \text{ of } ₹70,00,000 = ₹70,000

  • Total Payable: ₹5,60,000 for property registration.

💻 Official IGRSUP Calculator and Payment

To accurately determine your financial liability, the state provides an official online tool:

  • Calculator Link: Use the Stamp duty and registration charges in UP calculator found on the official IGRSUP portal: https://igrsup.gov.in/.

  • E-Stamping: Payment of stamp duty and registration charges in UP is made easy through e-Stamping/Franking via the IGRSUP system, promoting transparency and simplifying the property registration process.

👨‍👩‍👧‍👦 Relief on Registry Charges in UP in Blood Relation

The UP government has provided substantial relief for the formal transfer of property ownership within immediate family members (blood relatives):

  • Maximum Cap: The maximum combined stamp duty and registration charges on Gift Deeds, Partition Deeds, and Family Arrangements among blood relatives is capped at a nominal amount of ₹5,000 (plus small processing fees).

  • This significantly reduces the financial burden on families making inter-family property transfers, which previously would have attracted the full 7% stamp duty.

🌾 Stamp Duty in UP for Agricultural Land and Commercial Registry Charges

The percentage rates for Stamp Duty and Registration Charges in UP remain consistent across different property types, but the base value changes:

  • Commercial Registry Charges in UP: Commercial property registration follows the same 7% (Male) / 6% (Female) Stamp Duty + 1% Registration Charge structure. However, the higher Circle Rates for commercial areas mean the absolute amount of stamp duty and registration charges is typically much higher.

  • Stamp Duty in UP for Agricultural Land: The standard 7% / 6% rate applies. The value is calculated based on the specific Circle Rates set for agricultural land in that district.

❓ Frequently Asked Questions (FAQs) about UP Stamp Duty

Question Answer with Keywords
1. Is Stamp Duty refundable in Uttar Pradesh? Generally not refundable after property registration. However, you may claim a refund for unused stamp paper or a officially cancelled deed by applying on the IGRSUP portal within the prescribed time limit.
2. What is the maximum saving for a female buyer in UP? Under the current policy, a female buyer can save up to ₹1,00,000 on stamp duty in UP due to the 1% concession on residential properties valued up to ₹1 Crore.
3. How much is the Stamp Duty for a Gift Deed to a son or daughter? For registry charges in UP in blood relation (Gift Deeds, Partition Deeds) to direct relatives, the maximum combined stamp duty and registration charge is capped at a nominal ₹5,000 (plus processing fees), a huge saving on property registration.
4. Is the registration charge different for male and female buyers? No, the property registration charges in UP are uniformly 1% of the property’s value for both male and female buyers. Only the stamp duty in UP offers a gender-based concession.
5. Can I get a PDF of the Stamp Duty and Registration Charges in UP? Official notifications and detailed rules (Stamp duty in UP pdf) are occasionally published by the Stamp and Registration Department, Uttar Pradesh. For the most up-to-date and usable rates, always use the IGRSUP website: https://igrsup.gov.in/ and its online calculator.
6. Can I claim a tax deduction for Stamp Duty? Yes, you can claim a deduction for the amount paid towards Stamp Duty and Registration Charges in UP up to ₹1,50,000 under Section 80C of the Income Tax Act, but only in the year of property registration and payment.

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