Budget planning is integral to property purchase. To do so, finding out the stamp duty and registration fee that the homebuyer is required to pay at the time of registry is quite important. This guide is meant to help buyers planning to buy a property in Chandigarh, the City Beautiful find out these charges. Know how much money you will have to arrange at the time of property registration to pay for stamp duty and registration charges in Chandigarh in 2024.
What is stamp duty?
The stamp duty is a state-imposed fee that a homebuyer must pay in order to have the property title changed in his favour. Since land is a state issue under the Indian Constitution, stamp duty on the property varies from state to state since each state has the ability to choose the amount of this tax.
All documents necessary for registering a property deed must be presented to the competent registrar officer within four months after the property registration date, according to Section 25 of the Registration Act of 1969. In the event of any offence, a fine of ten times the amount of the property registration fee must be paid.
Stamp duty on agreement to sell in Chandigarh in 2024
| Stamp duty | Registration charge |
| 5% of the earnest money amount | 1% of the earnest money amount subject to maximum of Rs 10,000. |
Buyers are supposed to register the agreement to sell, after paying 5% of the token money value as stamp duty. One per cent of the amount will also have to be paid as registration charge. It is pertinent to note here that sale agreement is not to be confused with the sale deed. To know, the difference between the two, read out article, Sale agreement versus sale deed.
Stamp duty on house purchase in Chandigarh in 2024
| Male buyer | Female buyer |
| 5% | 5% |
Check out: Room for rent in Chandigarh
Registration fee on house purchase in Chandigarh in 2024
| Male buyer | Female buyer |
| 1% | 1% |
Stamp duty on other documents in Chandigarh in 2024
One has to pay varying stamp duty on registering different kinds of documents in Chandigarh. Provided below is a list of documents and the stamp duty you have to pay on it in Chandigarh:
| Documents to be registered | Stamp duty to be paid as a percentage of the transaction value or in Rs |
| Gift deed | 5% |
| Transfer of lease right deed | 3% |
| Exchange deed | 3% |
| Lease deed of up to 5 years | 2% on annual average rent and 3% on security/advance rent |
| Lease deed of 5-10 years | 3% on annual average rent and 3% on security/advance rent |
| Lease deed of 10-20 years | 3% on twice of annual average rent and 3% on security/sdvance rent |
| Lease deed for a period above 20 years and up to 30 years |
3% on thrice of annual average rent and 3% on security/advance rent |
| Lease deed for a period above 30 years and up to 100 years |
3% on four times of annual average rent and 3% on security/advance rent |
| On security amount of lease deed | 3% |
| Mortgage deed without possession | 1.5% |
| Mortgage deed with possession | 3% |
| Trust deed | Rs 50 |
| Family settlement | 2% on value of the property (ties) |
| Amendment deed | Rs 5 |
| Relinquishment deed | Rs 50 |
| Redemption deed | Rs 30 |
| Award/decree | 1.5% |
| Partnership deed | Rs 23 |
| General power of attorney | Rs 75 |
| Cancellation of GPA | Rs 15 |
| Special power of attorney | Rs 15 |
| Cancellation of SPA | Rs 5 |
| Adoption deed | Rs 200 |
| Sub-general power of attorney | Rs 15 |
| Cancellation of sub-GPA | Rs 15 |
| Will | None |
| Cancellation of will | None |
Source: chandigarh.gov.in
Registration charge on house purchase in Chandigarh in 2024
Under the provision of the Registration Act, buyers also have to pay registration charge, apart from the stamp duty, at the time of property registration.
| Male buyer | Female buyer |
| 1%, subject to a maximum of Rs 10,000 | 1%, subject to a maximum of Rs 10,000 |
Since there is no gender-specific demarcation in this front, a registration charge of 1% has to be paid on property purchase in Chandigarh, irrespective of whether the buyer is a man or a woman. This is subject to a maximum of Rs 10,000. The same registration charge is applicable on the registration of a gift deed, conveyance deed and sub-conveyance deed.
See also: Circle rate in Delhi
Average rent in Chandigarh
While one could find a flat for rent in Chandigarh for Rs 7,000 a month, the charges may hit Rs 1 lakh a month, for high-end properties in upscale neighbourhoods.
Lease registration charge in Chandigarh
Tenants have to register the rent lease and pay a stamp duty on the same, depending on the lease period. There are no registration charges to be paid on the registration of a lease in Chandigarh.
| Lease period | Stamp duty |
| Up to 5 years | 2% of annual rent; 3% on security deposit |
| Up to 10 years | 3% of annual rent; 3% on security deposit |
| Between 11-20 years | 3% of twice the annual rent; 3% on security deposit |
| Between 21-30 years | 3% of thrice the annual rent; 3% on security deposit |
| Between 31-100 years | 3% of four times the annual rent; 3% on security deposit |
On transfer of lease right through sale or sub-leasing, the tenant has to pay a 3% stamp duty.
See also: Lease vs rent: Main differences
Stamp duty on registration of Will in Chandigarh in 2024
No stamp duty has to be paid on the registration or cancellation of a Will or transfer of property within blood relatives in Chandigarh. However, Rs 200 has to be paid as the registration charge for the same. In case of a double Will, the registration charge would be Rs 400.
In case a property is transferred through a transfer deed within family members, no stamp duty has to be paid on this instrument either. However, 1% of the consideration value must be paid as the registration charge in such cases, with an upper limit of Rs 10,000.
Stamp duty on power of attorney in Chandigarh in 2024
NRIs, who are not able to come to the city in order to conduct property-related business, have to use the instrument of power of attorney, to enable a trusted person to carry out their businesses on their behalf. They also have to pay a nominal charge, for registration of the power of attorney.
| Type of power of attorney | Stamp duty | Registration charge |
| General power of attorney (GPA) | Rs 75 | Rs 50 |
| GPA involving 5 parties | Rs 150 | Rs 50 |
| GPA with sale power | 3% of deal value | Rs 50 |
| Cancellation of GPA | Rs 15 | Rs 50 |
| Special power of attorney | Rs 15 | Rs 25 |
| Special power of attorney with sale power | 3% of deal value | Rs 25 |
| Cancellation of SPA | Rs 5 | Rs 25 |
See also: How NRIs can use power of attorney for real estate transactions
What are collector rates in Chandigarh?
Circle rates or collector rates in Chandigarh are the minimum rates at which properties are registered in government records. These rates are revised periodically and are based on several factors such as property type, property location, facilities, etc.
The circle rates for residential properties in Chandigarh range from Rs 1,800 per square foot (sqft) to Rs 16,500 per sqft based on the property location and infrastructure. The circle rates for commercial properties, on the other hand, range from Rs 5,000 per sqft to Rs 45,000 per sqft.
Address of Chandigarh sub-registrar’s office
Address of the Sub-registrar’s office is:
30 Bays Building,
Ground floor, Room No 1 & 2, near Estate Office,
Old building, Adjoining Central State Library,
Sector 17, Chandigarh.
Chandigarh property registration office time schedule in 2024
| Inspection of documents | 9 am to 10 am |
| Presentation of documents | 12 pm to 1 pm |
| Document registration | 3 pm to 5 pm |
| Return of documents after one week of presentation | 9 am to 11 am |
| Attestation of documents | 11 am to 1 pm and 3 pm to 4 pm |
Know about: House for sale in Chandigarh
Payment of stamp duty and registration charges in Indian cities in 2024
Stamp duty and registration charges in Indian cities could be paid through three channels.
Offline payment
In this mode of stamp duty payment, the seller has to purchase stamp paper of the required value from a licensed stamp vendor for his sale instrument, if the value of stamps does not exceed Rs 50,000.
Franking
Through franking, authorised banks in India stamp property purchase document or affix a denomination on it. This acts as a proof that the stamp duty for the transaction has been paid.
E-stamping
The Centre has appointed the Stock Holding Corporation of India Limited (SHCIL) as the agency for e-stamps across the country. Buyers can visit the SHCIL portal to pay stamp duty on their property purchase.
Documents for property registration in Chandigarh
- Agreement to sale
- Sale deed
- Encumbrance certificate
- Property tax receipts
- No-objection certificate
- Power of Attorney, if applicable
- Stamp duty and registration fees payment proof
- Occupancy certificate for new buildings
- Completion certificate for under-construction buildings
- TDS deduction certificate (applicable on properties worth over Rs 50 lakh))
- PAN Card of buyer
- PAN Card of seller
- Aadhaar card of seller
- Aadhaar card of buyer
- Passport size photos of buyer and seller
- ID proof of buyer
- ID proof of seller
- ID proof of witnesses
- Address proof of buyer
- Address proof of seller
- Address proof of witnesses
How to calculate stamp duty in Chandigarh?
Property registry in the name of a woman
Suppose Jasmeet Kaur is buying a property in Chandigarh in 2024. Here is how much money she would pay as stamp duty and registry fee to the Chandigarh government for property worth Rs 50 lakh:
Property worth: Rs 50 lakh
Stamp duty applicable: 5% of Rs 50 lakh= Rs 2.5 lakh
Registration fee applicable: 1% of Rs 50 lakh= Rs 50,000
Total outgo: Rs 3 lakh
Property registry in the name of man
Now, suppose Aman Gill is buying a property in Chandigarh in 2024. Here is how much money he would pay as stamp duty and registry fee to the UT government for property worth Rs 50 lakh:
Property worth: Rs 50 lakh
Stamp duty applicable: 5% of Rs 50 lakh= Rs 2.5 lakh
Registration fee applicable: 1% of Rs 50 lakh= Rs 5,000
Total outgo: Rs 3 lakh
Property registry in the name of man and woman
Now, Aman and Nehal Gill and both buying a joint property in Chandigarh in 2024. Here is how much money they would pay as stamp duty and registry fee to the UT government for property worth Rs 50 lakh:
Property worth: Rs 50 lakh
Stamp duty applicable: 5% of Rs 50 lakh= Rs 2.5 lakh
Registration fee applicable: 1% of Rs 50 lakh= Rs 50,000
Total outgo: Rs 3 lakh
Conclusion
Unlike most states in India, Chandigarh administration charges a uniform stamp duty and registration fee on property registration. Payment of these charges is also easy using online channels. Make sure your property is registered with the sub-registrar’s office concerned within the required time limit to avoid penalty. Documents that need to be registered must be submitted for registration with the required fee within four months of the document’s execution.
FAQs
What is stamp duty in Chandigarh?
In Chandigarh, the rate of stamp duty on property buying is 5% for men.
What is registration charge in Chandigarh?
Property buyers (men and women) have to pay 1% registration charge at the time of property registration.
Is stamp duty same in Chandigarh and Panchkula?
Despite their proximity, Panchkula actually falls under the ambit of the state of Haryana. This is why rates are different in this sub-city.
How to pay stamp duty in Chandigarh?
Stamp duty can be paid either online on SHCIL website or through authorised banks or financial institutions. The payment is typically made using a demand draft or online payment. The stamp duty should be paid before the document is presented for registration.
Where can I find the stamp duty rate for Chandigarh?
You can find the stamp duty rate for Chandigarh on the Chandigarh land revenue website. You can also find these at the sub-registrar office.
How to calculate stamp duty in Chandigarh?
You can calculate the stamp duty using the following official online tool: https://revenue.chd.gov.in/StampDuty.aspx
Where to check online appointment slot for property registry in Chandigarh?
You can book an online appointment slot for property registry in Chandigarh at the following web address: https://revenue.chd.gov.in/AptSlots.aspx
