What is stamp duty in Uttar Pradesh?
Stamp duty in Uttar Pradesh is a type of tax that the buyer of a property must pay to the State Government when completing a property transaction. It is a legal requirement, and without the payment of this charge, the property cannot be officially registered in the buyer’s name. The amount of stamp duty payable depends on the type of property transaction and the category of buyer.
To make property ownership easier within families, the Uttar Pradesh Government has introduced significant relief measures when the transaction is carried out among blood relatives. This helps reduce the financial pressure on families while ensuring that property ownership is properly documented and legally valid.
According to Section 17 of the Uttar Pradesh Registration Act, 1908, every transaction involving immovable property worth more than Rs. 100 must be registered with the local sub-registrar’s office. During this registration process, stamp duty is paid based on either the property’s market value or the notified circle rate, whichever is higher.
Therefore, stamp duty not only secures the legal ownership of property but also serves as an important source of revenue for the State Government. In short, paying this duty ensures both legal safety and compliance with the law.
Planning to purchase property in Uttar Pradesh requires careful budgeting for all associated costs, including stamp duty and registration charges. A home loan from Bajaj Finserv can help you manage these expenses effectively with competitive interest rates starting from 7.45%* p.a Check your eligibility for a home loan from Bajaj Finserv today. You may already be eligible, find out by entering your mobile number and OTP.
Stamp duty rates and registration charges in UP in 2025
The table below outlines the 2025 stamp duty and registration charges in Uttar Pradesh.
Gender |
Registration charges |
UP stamp duty rates |
Female |
1% |
6% |
Male |
1% |
7% |
Joint (female + female) |
1% |
6% |
Joint (female + male) |
1% |
6.5% |
Joint (male + male) |
1% |
7% |
(Note: Rates here are the % value of the market value of the property).
Stamp duty and registration charges for different cities in UP
Stamp duty on property sale in Uttar Pradesh is the same across different cities in the state.
Gender |
Registration charges |
UP stamp duty rates |
Female/ Joint (female + female) |
1% |
6% |
Male/ Joint (male + male) |
1% |
7% |
Joint (female + male) |
1% |
6.5% |
(Note: Rates here are the % value of the market value of the property.)
Stamp duty for different deeds in UP
The state government of UP levies stamp duty and registration fees on all deed types, which have different stamp duties. The table below outlines the stamp duty rates for various deeds in 2025.
Type of deed |
UP stamp duty rates |
Will deed |
Rs. 200 |
Exchange deed |
3% |
Gift deed |
7% of the property’s market value |
Gift Deed (For a transaction in blood relations) |
Rs. 5,000 |
Lease deed |
Rs. 200 |
Agreement deed |
Rs. 10 |
Divorce deed |
Rs. 50 |
Bond deed |
Rs. 200 |
Adoption deed |
Rs. 100 |
Notary deed |
Rs. 10 |
Affidavit deed |
Rs. 10 |
General power of attorney |
Ranges from Rs. 10 to Rs. 100 |
Special power of attorney |
Rs. 100 |
How to calculate stamp duty in UP?
Calculating stamp duty in Uttar Pradesh depends on two main values – the property’s market price and its circle rate. The circle rate is the minimum valuation fixed by the Government for properties in a specific area. When you buy a property, the stamp duty is calculated on the higher value between the market price and the circle rate.
For example, if you purchase a property for less than the circle rate, you still have to pay stamp duty according to the circle rate. But if the property price you pay is higher than the circle rate, then the duty will be charged on the actual sale price.
Let’s take an example: Suppose Ajit purchases a house for Rs. 90 lakhs, where the stamp duty is 7% and the registration charge is 1%. However, if the circle rate of that property is Rs. 1 crore, then the charges are calculated as follows:
Stamp duty: Rs. 1,00,00,000 × 7% = Rs. 7,00,000
Registration: Rs. 1,00,00,000 × 1% = Rs. 1,00,000
If Ajit instead buys the house for Rs. 1.10 crore, then charges are:
Stamp duty: Rs. 1,10,00,000 × 7% = Rs. 7,70,000
Registration: Rs. 1,10,00,000 × 1% = Rs. 1,10,000
When planning for property purchases, it is essential to factor in these additional costs alongside your down payment. Bajaj Finserv offers home loans up to Rs. 15 Crore* with flexible tenure options up to 32 years, making property ownership more manageable. Check your loan offers from Bajaj Finserv to understand your borrowing capacity. You may already be eligible, find out by entering your mobile number and OTP.
How to pay stamp duty in UP?
To pay stamp duty in Uttar Pradesh online, you can follow these steps:
Visit the official website of the Uttar Pradesh Stamp and Registration Department.
Select the “Property Registration” option and click on “Apply.”
Choose “New Registration” and generate your application number.
Fill in the property details carefully in the online form.
Make the payment of stamp duty and registration charges online using the payment options provided.
This online facility has simplified the process, helping buyers save time and avoid multiple visits to the registration office.
Exemptions and concessions on stamp duty in UP
The Uttar Pradesh Government provides several exemptions and concessions on stamp duty to encourage investment, promote ease of property ownership, and reduce the financial burden on specific groups.
Some of the key benefits include:
Women entrepreneurs in industrial parks: Women who purchase land in private industrial parks developed under the PLEDGE scheme are eligible for 100% exemption on stamp duty.
Rebates based on region:
Buyers in central regions receive a 75% rebate.
Buyers in Gautam Buddha Nagar enjoy a 50% rebate.
Buyers in Eastern Uttar Pradesh and Bundelkhand are offered a 100% rebate.
Foreign investment benefits: The State provides relaxations in stamp duty and land acquisition charges to attract foreign individuals and businesses to invest in Uttar Pradesh.
These concessions are designed to strengthen industrial growth, promote entrepreneurship, and encourage balanced regional development across the state.
It is also important to note that stamp duty rates in Uttar Pradesh differ depending on the type of deed (such as sale, gift, or mortgage) and the gender of the buyer. Normally, stamp duty ranges between 5% and 7% of the property’s market value or the circle rate, whichever is higher. Despite these concessions, paying stamp duty remains a compulsory step to ensure that property transactions are legally valid.
Understanding these exemptions can significantly reduce your overall property acquisition costs in Uttar Pradesh. When combined with an affordable home loan from Bajaj Finserv, these savings make homeownership even more accessible with EMIs starting as low as Rs. 684/lakh*. Check your eligibility for competitive home loan rates from Bajaj Finserv. You may already be eligible, find out by entering your mobile number and OTP.
What are some of the factors that determine stamp duty in Uttar Pradesh?
While calculating stamp duty in Uttar Pradesh, several different factors are taken into account:
Stamp duty varies based on the age of the owner, which means that senior citizens get rebates and discounts on stamp duty in Uttar Pradesh.
Properties that fall under the municipal limits attract higher stamp duty than properties that fall outside it.
The stamp duty also varies based on the owner's gender. Women pay lower stamp duty charges in Uttar Pradesh than men.
The stamp duty to be paid in Uttar Pradesh also varies based on the type of property. For instance, stamp duty is different for villas and apartments in UP.
Lastly, the use to which a property is put and the kind of amenities that a property has also determine the final stamp duty to be paid by the buyer to the Uttar Pradesh state government.
Check other state stamp duty and registration charges |
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How are property registration charges calculated in Uttar Pradesh?
In Uttar Pradesh, both men and women are required to pay 1% of the total property value as a registration fee. However, there are a few things regarding registration fee calculation that you must understand. First, if you are investing in a commercial property, the UP government will calculate the registration fee based on the super built-up area of the property. When it comes to lands and plots, the registration fee is calculated by multiplying the total square footage by the guideline value. For independent houses, the registration fee is calculated based on the total constructed area.
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Frequently asked questions
Stamp duty in Uttar Pradesh currently ranges between 5% and 7% of the property’s value, depending on factors such as gender of the buyer and type of deed. Women often pay a slightly lower rate compared to men, while standard rates apply to most property transactions. The duty is calculated on the higher of market value or circle rate.
Beyond these statutory charges, securing adequate financing is crucial for your property purchase. Bajaj Finserv offers transparent pricing with no hidden costs and competitive interest rates that can help you budget effectively for your entire property transaction. Check your eligibility for a home loan that covers your property financing needs. You may already be eligible, find out by entering your mobile number and OTP.
The registration charge across Uttar Pradesh is fixed at 1% of the property’s value. This is applicable to all types of deeds, whether it is a sale, gift, or transfer of property. Buyers need to pay this amount along with stamp duty at the time of registration for the property transaction to be legally valid.
For a gift deed, the standard stamp duty in Uttar Pradesh is 7% of the property’s market value. However, in cases where the transfer takes place between blood relatives, the Government offers major relief by fixing the stamp duty at Rs. 5,000, regardless of the overall value of the property being gifted.
Stamp duty is calculated as a percentage of the property’s higher value between the circle rate and the market price. Registration charges are then added at 1% of that same value. For example, if the property’s circle rate is higher than the sale price, both stamp duty and registration charges will be calculated on the circle rate.
Yes, the Uttar Pradesh Government allows payment of stamp duty through multiple online methods, including credit cards. Buyers can log into the official Stamp and Registration Department portal, complete their property details, and make the payment directly using credit card, debit card, or internet banking, making the process quicker and more convenient.
Just as stamp duty payments have become more convenient with digital options, applying for home loans has also been simplified. Bajaj Finserv offers a hassle-free online application process with doorstep document collection and quick approvals, making your entire property buying experience smooth and efficient. Check your loan offers and experience seamless home financing. You may already be eligible, find out by entering your mobile number and OTP.
