Stamp duty relief for women in Uttar Pradesh has expanded significantly. A woman buyer can now save up to ₹1 lakh when the property value is up to ₹1 crore and the deed is registered in her name. The state has approved a 1% rebate on stamp duty within this value band.
Earlier, the benefit applied only to properties up to ₹10 lakh, with a maximum rebate of ₹10,000. Now, the cap on property value increases tenfold (₹10 lakh → ₹1 crore), and the rebate limit rises to ₹1 lakh. The policy covers all property categories in Uttar Pradesh — residential units, commercial assets, and land.
As per official data, over 73,000 of 1.8 lakh registrations in FY 2024–25 were in women’s names. According to Labour Minister Anil Rajbhar, the move will strengthen confidence and make women "financially more capable and respected in society."
This guide explains current stamp duty rates, calculates savings with examples, lists eligibility, and provides a clear step-by-step process to claim the rebate without hassle.
Stamp duty is a mandatory tax paid at the time of property registration. It legally records ownership in government records. Rates vary based on the buyer’s profile.
Stamp duty creates legal ownership records and must be paid on all registered property transactions.
| Owner Type | Stamp Duty | Registration |
|---|---|---|
| Female | 6% | 1% |
| Male | 7% | 1% |
| Joint (Female + Female) | 6% | 1% |
| Joint (Male + Male) | 7% | 1% |
| Joint (Female + Male) | 6.5% | 1% |
Note: Registration fee is a flat 1% for all cases.
Under the new rule, a woman buyer receives an extra 1% relief on properties valued up to ₹1 crore. This reduces her effective duty from 6% to 5%, with a maximum saving of ₹1 lakh.
Important: If the property value exceeds ₹1 crore, the rebate does not apply. Standard 6% is charged.
Previously, rebate applied only up to ₹10 lakh with ₹10,000 maximum savings. The new rule lifts both the value limit and the savings cap to ₹1 crore and ₹1 lakh respectively — a tenfold increase.
For a ₹75 lakh home, a woman buyer pays 5% duty (₹3.75 lakh) instead of 6% (₹4.5 lakh), saving ₹75,000.
No rebate applies. A woman buyer pays 6% on the entire value.
In a ₹1 crore male–female joint purchase, stamp duty is 6.5% (₹6.5 lakh). The 1% women’s rebate does not apply in such cases.
| Property Value | Male Owner (7%) | Female Owner (≤₹1 cr: 5%; >₹1 cr: 6%) | Savings vs Male |
|---|---|---|---|
| ₹50 lakh | ₹3.5 lakh | ₹2.5 lakh | ₹1.0 lakh |
| ₹75 lakh | ₹5.25 lakh | ₹3.75 lakh | ₹1.5 lakh |
| ₹1 crore | ₹7.0 lakh | ₹5.0 lakh | ₹2.0 lakh |
| ₹1.5 crore | ₹10.5 lakh | ₹9.0 lakh | ₹1.5 lakh |
Note: Add 1% registration fee separately.
To secure the full ₹1 lakh benefit, keep the agreement value or circle rate within ₹1 crore and register the deed in a woman’s name.
High-value markets like Noida and Greater Noida often exceed ₹1 crore, making the relief unavailable in many cases. Experts suggest raising the cap to ₹2–2.5 crore.
Delhi: 4% for women, 6% for men — no cap.
Maharashtra: ~5% for women, ~6% for men.
Rajasthan: ~4% for women, ~5% for men.
Uttar Pradesh: 6% with 1% relief only up to ₹1 crore (capped at ₹1 lakh).
The expanded relief is expected to increase women-led registrations, especially in the ₹50 lakh–₹1 crore bracket across Noida, Greater Noida, and Ghaziabad.
Uttar Pradesh's revised stamp duty rebate makes a clear difference for women buying homes valued up to ₹1 crore. The effective duty becomes 5% (instead of 6%), saving up to ₹1 lakh. Above ₹1 crore, the relief does not apply. In joint male–female ownership, the duty is 6.5%.
Plan the agreement value carefully, check circle rates, and place the deed in a woman’s name to secure the full rebate.