Stamp Duty in Punjab | Latest Registration Fees, Facilitation & Mutation Charges
If you're planning to buy property in Punjab, understanding the stamp duty, registration charges, and other property-related fees is essential. These government-imposed charges are not optional, they're mandatory to legally transfer ownership and register your property. Whether you're purchasing a flat, house, plot, or commercial space, knowing what you'll owe in advance will help you plan your finances better.
Here’s everything you need to know about stamp duty in Punjab, registration fees, facilitation charges, mutation costs, and more.
What is Stamp Duty in Punjab?
Stamp duty in Punjab is a tax levied by the state government on real estate transactions. It's calculated based on either the circle rate (government’s minimum property value) or the actual transaction value, whichever is higher.
According to Section 3 of the Indian Stamp Act, 1899, stamp duty is mandatory for all types of property, residential, commercial, freehold, leasehold, agricultural, and non-agricultural.
In Punjab, stamp duty rates differ based on gender and type of ownership. Below is a clear breakdown:
| Type of Buyer | Stamp Duty | Registration Charges |
|---|---|---|
| Male | 7% | 1% |
| Female | 5% | 1% |
| Joint (Male + Female) | 6% | 1% |
| Joint (Male + Male) | 7% | 1% |
| Joint (Female + Female) | 5% | 1% |
Stamp duty includes:
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1% for water and environmental improvement
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1% for Punjab Infrastructure Development Board
How Much Will You Pay? Stamp Duty Example
Let’s say you’re buying a property in Jalandhar worth ₹60 lakh, and the circle rate is ₹50 lakh. Since the actual deal is higher, the stamp duty will apply on ₹60 lakh.
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Stamp Duty (7%) = ₹4,20,000
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Registration Charges (1%) = ₹60,000
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Total Charges = ₹4,80,000
Facilitation Charges in Punjab
In addition to stamp duty and registration fees, buyers must also pay facilitation charges. These are administrative fees collected to process your property documents.
| Property Value | Facilitation Charges |
|---|---|
| Up to ₹10 lakh | ₹1,000 |
| ₹10 lakh to ₹30 lakh | ₹3,000 |
| Above ₹30 lakh | ₹5,000 |
These vary based on the property value and the number of pages in the documents submitted.
Mutation Charges in Punjab
Mutation of property is required when you transfer ownership, especially in cases of inheritance or gift. This ensures that government records reflect the new owner.
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Mutation Charges = ₹600
You'll also need a Legal Heir Certificate (Succession Certificate) for inherited properties.
Property Transfer Within Family: Reduced Charges
When transferring property to a blood relative in Punjab, no stamp duty is charged. However, a nominal fee of ₹900 applies, covering:
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₹300 as mutation charges
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₹500 as facilitation fee
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₹100 as pasting charges
Stamp Duty on Power of Attorney in Punjab
| Type of POA | Stamp Duty | Registration Fee |
|---|---|---|
| Within family | Nil | Nominal |
| Outside family (non-relative) | 2% | ₹100 |
| General POA (up to 5 people) | ₹2,000 | ₹400 |
| General POA (>5 people) | ₹4,000 | ₹400 |
| Special POA | ₹1,000 | ₹100 |
Stamp Duty and Registration Charges on Other Deeds
| Document Type | Stamp Duty | Registration Fee |
|---|---|---|
| Sale/Gift Deed | 5% + 1% Social Infrastructure Cess (SIC) | 1% (Max ₹2 lakh) |
| Mortgage Deed (with/without possession) | 4% of property value | 1% (Max ₹2 lakh) |
| Cancellation of GPA | ₹1,000 | ₹100 |
| Cancellation of SPA | ₹500 | ₹100 |
How to Pay Stamp Duty in Punjab: Online and Offline Options
Online (e-Stamp Punjab)
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Go to the e-Stamping section → Select Punjab
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Fill out the application form
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Download and print the form
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Visit your nearest SHCIL branch for payment
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Pay via NEFT, RTGS, cash, cheque, or DD
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Receive your e-Stamp certificate
Note: Area and measurement units must be declared in the form.
Offline
Visit an Authorised Collection Centre (ACC) or Central Record-Keeping Agency (CRA). Fill out the e-stamp form manually and pay via cheque, cash, or online transfer. Collect the physical e-stamp certificate.
Easy Property Registration System in Punjab
To make property registration in Punjab more transparent, the state government launched a one-stop registration system powered by the National Generic Document Registration System (NGDRS).
Key features of NGDRS Punjab:
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Real-time WhatsApp updates on registration status
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Online document submission
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E-payment and fee calculator
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Appointment scheduling
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Sale deed registration within 48 hours
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Doorstep service via helpline 1076
This user-friendly system reduces dependency on agents and promotes direct access for citizens.
Tax Benefits on Stamp Duty and Registration Charges
You can claim up to ₹1.5 lakh in deductions under Section 80C of the Income Tax Act, 1961, if:
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The property is residential
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Payment is made in the same financial year
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The property is not sold within 5 years
Both co-owners can claim deductions if ownership is joint.
Penalty for Late or Non-Payment
Failing to pay stamp duty in Punjab or registration charges can lead to:
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Penalty up to 10x unpaid stamp duty
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Penalty up to 2x unpaid registration fee
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Legal action, fines, or imprisonment
Pay your dues on time to avoid complications.
Can Stamp Duty in Punjab Be Refunded?
Yes, under certain conditions (e.g., if a builder fails to hand over possession), you can request a refund. The process requires:
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Legal documents
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Written application to the authority
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Possible legal assistance
Not all transactions qualify, so consult a legal professional for clarity.
Final Thoughts - Stamp Duty in Punjab
Punjab’s real estate market is growing fast, but understanding stamp duty and registration charges is crucial before you buy. Whether it's stamp duty in Punjab, facilitation charges, or mutation fees, make sure you plan for these costs in advance.
For help or more information, contact:
Real Estate Regulatory Authority, Punjab
Sector-18A, Chandigarh
0172-5139800-29
helprera@punjab.gov.in
