Stamp Duty and Registration Charges in Lucknow

As per the Registration Act of 1908, you, as the buyer, must pay the stamp duty along with the registration charges in Lucknow. To register a property in your name, you are required to pay the stamp duty.

The Uttar Pradesh Government revises the property registration and stamp duty charges in Lucknow periodically. To encourage homeownership among females, the stamp duty for women buyers in Lucknow is kept lower.

Check out the following table to understand the stamp duty and registration charges in Lucknow:

Uttar Pradesh is one of the states with high stamp duty in India. It demands a stamp duty of 7% from a buyer of male gender.

To encourage property ownership among women, the government has lowered it to 6% for women. This reduction in stamp duty is applicable only up to ₹10 Lakhs out of the total value of the transaction. 

The stamp duty charges in Lucknow are the same as in the Uttar Pradesh stamp duty mandate. However, the property registration charges in Lucknow are fixed at 1%, irrespective of gender.

Here are some of the stamp duty rates on other property documents and instruments in Lucknow.

The following table presents a preview of stamp duty and registration charges in some of the major cities of Uttar Pradesh:

Follow the below-mentioned steps to pay stamp duty and registration charges online in Lucknow.

1. Log on to the Stamp and Registration Department UP portal - https://igrsup.gov.in/igrsup/defaultAction.action. The page will initially open in Hindi

2. Select the ‘आवेदन करें’ option, and now, you can switch to English

3. Select the ‘New Application’ option and create an application number

4. Register yourself using your credentials and become a registered user

5. Log in and enter the details of the property, the buyer, the seller and the witnesses

6. Wait for the system to calculate the stamp duty and registration charges for your property automatically

7. Pay the stamp duty online

8. Save the generated receipt number for future use

9. Book an appointment for property registration at the sub-registrar’s office

In case of any excess stamp duty payment, cancellation of a document or agreement, etc., you can claim a refund of your stamp duty within 6 months.

The amount will be refunded after a deduction of 10% from the total stamp duty paid. However, you will not get a refund on the registration charges. 

Here is how you can get a refund on stamp duty charges:

1. Visit https://igrsup.gov.in/igrsup/defaultAction.action

2. In the ‘Property Registration’ section, select ‘Application for refund of stamp’

As a new user: 

• Register by selecting the district from the drop-down menu in which the stamp refund proceeding has to be done

As a registered user:

• Fill in the details of your refund application directly

To calculate the market value during property registration in Lucknow, you have to follow the below-mentioned steps:

1. Determine the built-up area of the property

2. Find out details like the age of the property, amenities offered, etc.

3. Choose the type of the property

4. Now, you can use the following formula to find the property value

Property Value = Built-up area of the property (in sq. m.) x Circle rate of the locality (in Rs./sq. m.)

The legal heirs of martyrs and ex-servicemen from Uttar Pradesh are exempted from stamp duty in the state. They can avail of these exemptions while buying a new house, residential or commercial land as well as an agricultural land. 

The same is applicable to the residents of Lucknow. They will be able to avail this benefit on their share of property value up to ₹20 Lakhs. On the heir’s share of land or house, a 5% stamp duty will be exempted.

Several factors can influence the stamp duty and property registration charges in Lucknow. Understanding these factors can help you estimate the costs involved when buying or transferring property. Here are some key aspects that impact the charges:

Property Value

The most significant factor affecting stamp duty is the value of the property. Stamp duty is calculated as a percentage of the property’s value, so the higher the property value, the higher the stamp duty. Similarly, registration charges are also based on the property’s value.

Type of Property

The type of property, whether residential, commercial, agricultural, or industrial, can affect the stamp duty rates. Different property types may be subjected to varying rates, and special provisions might apply to certain categories.

Gender of the Buyer

In Lucknow, stamp duty is lower for female property buyers compared to male buyers. This is part of an initiative to encourage women’s property ownership. As mentioned earlier, women are eligible for a reduced stamp duty rate of 6% compared to 7% for men.

Location of the Property

The location of the property within Lucknow can influence its market value, which directly impacts the stamp duty. Properties in more developed or sought-after areas tend to have higher market values, leading to higher stamp duty and registration charges.

Property Ownership (Joint Ownership)

If the property is bought in joint ownership, the stamp duty rate may be different. For instance, if the buyer is a man and woman together, the stamp duty could be 6.5%. Similarly, the rates will vary for different combinations of owners.

Exemptions or Concessions

Certain buyers may qualify for exemptions or reductions in stamp duty. For example, women buyers are given a concession in the stamp duty, and government schemes or promotions may also provide some relief.

Age of the Property

In some cases, the age of the property can influence the applicable stamp duty. Older properties may have a different valuation, which can affect the stamp duty, although this may be less common.

Transfer of Property

If you're transferring property via gifts, inheritance, or other means, the stamp duty may vary. For instance, a gift deed involving a woman may attract a lower rate of stamp duty. However, property transfers to family members may also be eligible for reduced charges in certain cases.

All the grievances related to stamp duty and registration charges in Lucknow will be addressed on the Stamp and Registration Department UP portal. You can lodge a complaint directly on the grievance redressal section of the site.

It is your legal and moral obligation to take care of your stamp duty and other relevant charges while registering your newly bought house. But these charges could easily go up to a few Lakhs of rupees, and in some cases, even crores, depending on the value of the property. 

You can, however, cover these costs with the assistance of a home loan. The good news is that you can get a housing loan on Bajaj Markets.

Simply satisfy the basic home loan eligibility criteria and ensure that all the home loan documents are available. Once you do that, you can go ahead and apply for a home loan right away!