Updated June 2026

Stamp Duty in Punjab

Punjab charges 7% stamp duty for men and 5% for women — matching Haryana's generous 2% gender gap. With 1% registration, the total is 8% for men and 6% for women. Key markets include Mohali, Ludhiana, Amritsar, and Jalandhar.

Male Rate

Female Rate

Registration

Total (Male)

Property Value

₹

State

Buyer

Stamp Duty

Registration

Total Charges

₹4.00 L

Effective rate: 8% of property value

Stamp Duty (7%)

₹3.50 L

Registration (1%)

₹50,000

Total Cost of Property

₹54.00 L

Property (₹50.00 L) + Charges (₹4.00 L)

Pre-Calculated Examples

Property Value	Stamp Duty	Registration	Total	Women Save
₹50.00 L	₹3.50 L	₹50,000	₹4.00 L	₹1.00 L
₹75.00 L	₹5.25 L	₹75,000	₹6.00 L	₹1.50 L
₹1.00 Cr	₹7.00 L	₹1.00 L	₹8.00 L	₹2.00 L
₹2.00 Cr	₹14.00 L	₹2.00 L	₹16.00 L	₹4.00 L

* "Women Save" shows difference between male and female buyer total charges

Stamp Duty Rates in Punjab (2026)

Punjab has 7% stamp duty for men, 5% for women, and 6% for joint buyers. Registration is 1%. The 2% gender benefit matches Haryana and Delhi — making Punjab one of the most female-buyer-friendly states in North India.

Women Buyers Save in Punjab

Women buyers in Punjab save 2% on stamp duty (5% vs 7%). On a ₹1 crore property in Mohali or Ludhiana, this means ₹2,00,000 savings. For Chandigarh-adjacent areas (Mohali, Zirakpur), families often prefer registering in the woman's name to maximize this benefit.

Tips for Property Buyers in Punjab

Punjab uses collector rates that are revised periodically. Mohali and Zirakpur (near Chandigarh) have the highest rates in the state. Note that Chandigarh is a Union Territory with different stamp duty rules — don't confuse Punjab rates with Chandigarh rates. Verify property on the PRODA (Punjab Registration) portal.

How to Calculate Stamp Duty in Punjab

Enter the property value (agreement value or circle rate, whichever is higher)
The calculator is pre-set to Punjab
Choose the buyer type — Male, Female, or Joint ownership
See the stamp duty, registration charges, and total acquisition cost

Frequently Asked Questions

What is stamp duty in Punjab?

Punjab charges 7% for men, 5% for women, 6% for joint + 1% registration. Women save ₹2 lakh per ₹1 crore property.

Is Chandigarh stamp duty same as Punjab?

No. Chandigarh is a Union Territory with its own stamp duty rules (typically 6% for men, 4% for women). Punjab rates apply only in Punjab state — including Mohali, Zirakpur, Ludhiana, etc.

Do women get stamp duty discount in Punjab?

Yes, women pay 5% vs 7% for men — a 2% concession (one of India's largest). On a ₹1 crore property, women save ₹2,00,000.

What is collector rate in Punjab?

Collector rate is the minimum property value set by the district collector for stamp duty calculation. It varies by city, area, and road type. Updated periodically by the state government.

Is stamp duty refundable in Punjab?

Stamp duty is generally non-refundable once the document is registered. If registration is refused by the sub-registrar, you may apply for refund within the prescribed time period.