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Buying cost planner

Stamp Duty & Buying Cost Calculator

Stamp duty, cess and registration fee on a home in Mohali, Zirakpur, New Chandigarh, Chandigarh or Panchkula — with GST, PLC and other charges for the full buying cost. Every rate is linked to the official page it comes from.

  • Rates checked 30 Oct 2026
  • Official sources linked
  • Punjab · Chandigarh · Haryana
Where is the property?

Where is the property?

Who is buying?

Who is buying?

Stamp duty in Punjab depends on who buys: 6% for a man or two men, 4% for a woman or two women, 5% for a man and a woman jointly, plus a 1% cess and a 1% PIDB fee — 8%, 6% and 7% in all. Confirm with the Sub-Registrar before you buy.

Property value

Property value

Stamp duty is charged on the deal value or the collector rate, whichever is higher. If the deed will include PLC, add it here.

₹75 lakh

Stamp duty & registration₹6,80,200See breakdown ↓
Add other costs

Add other costs

Optional: GST on an under-construction home, PLC and other charges, for the whole cost of buying.

Stamp duty & registration · Punjab

₹6,80,200

9.07% of ₹75 lakh

Stamp duty6% of the value (man)
₹4,50,000
Social Infrastructure Cess1% of the value (section 3-D, Indian Stamp Act as applied to Punjab)
₹75,000
PIDB fee1% of the value (Punjab Infrastructure Development Board)
₹75,000
Special Infrastructure Development feenot included unless you tick it in the form
₹18,750
Registration fee1% of the value, at most ₹2 lakh
₹75,000
Facilitation charges₹1,000 up to ₹10 lakh, ₹3,000 up to ₹30 lakh, ₹5,000 above
₹5,000
Pasting feeon every document
₹200
Property value
₹75,00,000
Stamp duty & registration
₹6,80,200

Total buying cost

₹81,80,200

Rates as notified: Punjab Govt. Gazette of 28 Feb 2023, and the Revenue Department’s current table (no date stated). Checked 30 Oct 2026.

Check the current rate with the Sub-Registrar before registration.

Official sources

Where the Punjab rates come from

  • Punjab stamp duty by buyer, as given by the Property1313 team

    Property1313 · Given by the Property1313 team on 30 Oct 2026 — confirm with the Sub-Registrar before registration

    revenue.punjab.gov.in

  • Document wise detail of Stamp Duty, Registration Fee and Facilitation charges

    Department of Revenue, Rehabilitation & Disaster Management, Punjab · the table states no date; read on revenue.punjab.gov.in on 30 Oct 2026

    revenue.punjab.gov.in

  • Notifications S.O. 25/P.A.8/2002/Ss.25 and 25-A/2023 and S.O. 26/C.A.2/1899/S.9/2023

    Government of Punjab (Punjab Govt. Gazette, Extraordinary) · notified 28 Feb 2023

    revenue.punjab.gov.in

Collector rates and the current figures: Punjab Revenue Department — stamp duty and registration fee table · Punjab Govt. Gazette, 28 Feb 2023 (PIDB and Special Infrastructure Development fees) · Punjab Revenue Department

What we could not confirm

Left out, and why

  • Whether the 0.25% Special Infrastructure Development fee is charged today: the 28 Feb 2023 Gazette names it (and waived it for March 2023 only), but no official page we found says it is charged now. It is left out of the total unless you turn it on.
  • E-stamp service charges of the stamp vendor or bank: not in the official table, so not added.

Read more in our guide to stamp duty and registration charges in Punjab. This calculator is for planning only; it is not legal or tax advice. Check with a CA or lawyer, and with the Sub-Registrar, before registration.

Stamp duty & registration — FAQs

In Punjab stamp duty is 6% for a man (or two men), 4% for a woman (or two women) and 5% for a man and a woman jointly, plus a 1% Social Infrastructure Cess and a 1% PIDB fee — 8%, 6% or 7% of the value in all — and a registration fee of 1%, at most ₹2 lakh. On a ₹1 crore flat bought by a man that is ₹8,00,000 plus ₹1,00,000 registration. The same applies in New Chandigarh, Kharar, Dera Bassi, Banur, Rajpura. Rates as checked on 30 Oct 2026.

More tools for buyers

Stamp duty, cess and registration fee on a home in Mohali, Zirakpur, New Chandigarh, Chandigarh or Panchkula — with GST, PLC and other charges for the full buying cost. Every rate is linked to the official page it comes from.

Rates checked 30 Oct 2026. Check the current rate with the Sub-Registrar before registration.

Punjab (Mohali, Zirakpur, New Chandigarh, Kharar, Dera Bassi, Banur, Rajpura)

Stamp duty in Punjab depends on who buys: 6% for a man or two men, 4% for a woman or two women, 5% for a man and a woman jointly, plus a 1% cess and a 1% PIDB fee — 8%, 6% and 7% in all. Confirm with the Sub-Registrar before you buy.

  • Not confirmed: Whether the 0.25% Special Infrastructure Development fee is charged today: the 28 Feb 2023 Gazette names it (and waived it for March 2023 only), but no official page we found says it is charged now. It is left out of the total unless you turn it on.
  • Not confirmed: E-stamp service charges of the stamp vendor or bank: not in the official table, so not added.

Chandigarh UT (Chandigarh)

The Chandigarh Administration’s table gives one rate for every buyer, so a woman or a joint buyer pays the same here.

  • Not confirmed: Many websites quote 6% for Chandigarh. The Chandigarh Administration’s own table says 5%, and we found no official notification of a change — so 5% is used, as that table states it.
  • Not confirmed: A concession for women: not in the official table.

Haryana (Panchkula)

Haryana’s official calculator has a rate for a man and for a woman, but none for a joint purchase — so a joint buyer is not offered here. Ask the Sub-Registrar how a joint deed is charged.

  • Not confirmed: A rate for a man and a woman buying jointly: not in the official calculator, so that option is left out.
  • Not confirmed: The registration fee: the Revenue Department’s fee table goes up to ₹50,000, but its own online calculator showed a lower fee (₹15,000 on ₹1 crore). The table is used here; the Sub-Registrar’s figure is the one that counts.
  • Not confirmed: We could not find the number of the notification behind the 7% / 5% stamp duty; the rates are the ones the official calculator applies.

GST on an under-construction home

  • Under construction — 5%: 5% without input tax credit, for a home that is not an affordable home
  • Under construction, affordable — 1%: 1% for an affordable home: carpet area up to 60 sq m in a metro city or 90 sq m elsewhere, and a value up to ₹45 lakh

Not legal or tax advice; check with a CA or lawyer.

Stamp duty & registration — FAQs

What is the stamp duty on property in Mohali and Zirakpur?
In Punjab stamp duty is 6% for a man (or two men), 4% for a woman (or two women) and 5% for a man and a woman jointly, plus a 1% Social Infrastructure Cess and a 1% PIDB fee — 8%, 6% or 7% of the value in all — and a registration fee of 1%, at most ₹2 lakh. On a ₹1 crore flat bought by a man that is ₹8,00,000 plus ₹1,00,000 registration. The same applies in New Chandigarh, Kharar, Dera Bassi, Banur, Rajpura. Rates as checked on 30 Oct 2026.
Do women pay less stamp duty in Punjab?
Yes. In Punjab a woman pays 4% stamp duty against 6% for a man — 6% instead of 8% in all with the cess and PIDB fee — and a man and a woman buying jointly pay 5% (7% in all). On a ₹1 crore home that is about ₹2 lakh less for a woman. Confirm the current rate with the Sub-Registrar before registration. This is not legal or tax advice; check with a CA or lawyer, and with the Sub-Registrar, before registration.
What is the stamp duty in Chandigarh?
The Chandigarh Administration’s published table lists 5% stamp duty on a sale deed and a registration fee of 1%, at most ₹10,000 — the same for every buyer. On ₹1 crore that is ₹5,00,000 plus ₹10,000. Many websites quote 6%; we found no official notification of that, so check the current rate with the Sub-Registrar, Chandigarh UT.
What is the stamp duty in Panchkula?
Haryana’s official calculator charges 7% for a man and 5% for a woman within municipal limits (5% and 3% outside them). On ₹1 crore inside the limits that is ₹7,00,000 for a man and ₹5,00,000 for a woman. The registration fee is a fixed fee by value, up to ₹50,000 in the Revenue Department’s table. It has no joint rate, so that option is not offered.
Is stamp duty charged on the price I pay or on the collector rate?
On the higher of the two. In Punjab, Chandigarh and Haryana stamp duty is charged on the deal value or the collector (circle) rate of the area, whichever is higher. If the collector rate of your plot or flat is above your price, enter the collector-rate value in the calculator.
Is GST charged on a flat as well as stamp duty?
Only on a home bought while it is under construction. GST is 5% of the price for most homes and 1% for an affordable home (carpet area up to 60 sq m in a metro city or 90 sq m elsewhere, value up to ₹45 lakh), under the rates in force since 1 April 2019 (FAQs on real estate (F. No. 354/32/2019-TRU)). A ready home with its completion certificate carries no GST. Stamp duty is charged in both cases.
What other costs should I plan for when buying a flat?
Besides stamp duty, cess and the registration fee: GST on an under-construction home, preferential location charges (PLC) for a corner, park-facing or higher floor, car parking, club membership, and maintenance or a maintenance deposit. Enter them under "Add other costs" to see the total. Ask the builder for a written cost sheet before you book.
How current are these rates?
They were checked on 30 Oct 2026 against the official pages linked on this page — the Punjab Revenue Department, the Chandigarh Administration and Haryana’s Revenue Department — each shown with its date. Rates change by notification, so check the current rate with the Sub-Registrar before registration. This is not legal or tax advice; check with a CA or lawyer, and with the Sub-Registrar, before registration.