Stamp Duty Punjab 2026
Calculate stamp duty and registration charges for property purchases in Punjab. Pre-filled with Punjab's current 2026 rates — adjust property value and owner type for your exact figure.
Calculate Stamp Duty & Registration
Section 80C benefit: Stamp duty paid is deductible under Section 80C (up to ₹1.5L combined limit) in the year of payment. Claim this deduction when filing your ITR for that financial year. Consult your tax advisor for eligibility.
Results are indicative only. Actual EMI may vary based on your lender's rounding method, processing date, stub-period interest, and applicable fees. Always verify with your bank or NBFC before making a financial decision. See our disclaimer for full details.
Stamp Duty Rates in Punjab (2026)
| Ownership Type | Stamp Duty Rate | Notes |
|---|---|---|
| Male | 7% | — |
| Female | 5% | — |
| Joint | 6% | — |
| Registration | 1% | No cap |
Key Rules & Notes for Punjab
- Punjab offers a generous 2% concession for female buyers — 5% vs 7% for male. On a ₹50 lakh property in Chandigarh/Amritsar/Ludhiana area (Punjab jurisdiction), women save ₹1,00,000.
- Note: Chandigarh (UT) has separate stamp duty rules from Punjab — verify if your property is in Punjab state or the Chandigarh Union Territory.
- No cap on registration fee — 1% applies on full value.
- Punjab has a high male stamp duty of 7%, making it important for male buyers to consider joint ownership with a female co-owner for savings.
Section 80C deduction: Stamp duty and registration charges paid on residential property purchase are deductible under Section 80C (within the ₹1.5 lakh combined annual limit) under the Old Tax Regime. Claim the deduction in the financial year of payment. This benefit is not available under the New Tax Regime (default from FY2023–24). Consult your CA for eligibility.