Buying a flat—whether a modern 3 BHK in Mohali or a compact 2 BHK elsewhere—is an exciting step, but the financials extend beyond the property price. Here’s everything you need to know about stamp duty and registration charges in Punjab and Haryana, updated for 2025.
Punjab (Including Mohali)
- Stamp Duty Rates:
- Male buyers pay 7% of the higher of transaction value or circle rate.
- Female buyers enjoy a reduced rate of 5%.
- Joint ownership (male + female) is taxed at 6%.
- Registration Charges:
Always 1% of the property’s value (capped at ₹2 lakh for sale/gift deeds). - Additional Costs (facilitation charges):
- Up to ₹10 lakh: ₹1,000
- ₹10 ₹– ₹30 lakh: ₹3,000
- Above ₹30 lakh: ₹5,000
- Example:
For a 3 BHK flat in Mohali valued at ₹75 lakh (registered in a male buyer’s name):- Stamp Duty: 7% = ₹5.25 lakh
- Registration Fee: 1% = ₹75,000
- Approx. Facilitation: ₹5,000 (assuming value > ₹30 lakh)
→ Total extra cost ≈ ₹6.03 lakh
- Online Payment:
Punjab supports e-stamping via the SHCIL portal, and uses the NGDRS for streamlined registration—features include WhatsApp status updates, e-payments, appointment scheduling, and even doorstep services.
Haryana
- Stamp Duty Rates:
- Urban: 7% (male), 5% (female), 6% (joint)
- Rural: 5% (male), 3% (female), 4% (joint)
- Registration Charges:
Around 1% of property value, sliding scale based on price range (up to ₹50,000 max). For example:- Up to ₹50,000 → ₹100
- ₹50,001–₹5 lakh → ₹1,000
- ₹5–10 lakh → ₹5,000 … up to
- ₹90 lakh+ → ₹50,000
- Circle Rates Update (Aug 2025):
Haryana implemented revised circle rates from 1 August 2025, with increases ranging from 5% to 145% in areas like Gurugram and Panchkula. This directly impacts stamp duty, as it’s based on the higher of transaction value or circle rate.
Summary Table
| State | Stamp Duty (Male/Joint) | Registration Fee | Additional Charges |
|---|---|---|---|
| Punjab | Male: 7%; Joint (M+F): 6% | 1% (max ₹2 lakh) | Facilitation: ₹1k–₹5k depending on price |
| Haryana | Urban Male: 7%; Joint: 6%; Rural lower | ~1% (sliding scale ₹100 to ₹50k) | Higher circle rates in some areas since Aug 1 downward impact |
Context for Buyers of 3 BHK Flats in Mohali or 2 BHK Flats
If you’re browsing online property portals to explore 3 BHK flats in Mohali (often valued between ₹1–2 crore) or compact 2 BHK options, make sure to factor in stamp duty and registration charges—these non-negotiable costs can add 5–8% or more to your purchase budget.
For example, many 2 BHK flats in Tricity are priced around ₹1.2–1.5 crore; beyond the listing price, expect around ₹7–12 lakh in duty + registration alone. Recent Reddit discussions reflect these price levels and buyer expectations—prices are firm, and registration costs are real.
Plan your budget holistically. Use online portals not only to discover properties but also to estimate the full costs—including stamp duty and registration charges. And with digitized payment systems in both Punjab and Haryana, paying these fees has never been more transparent or convenient.
Let me know if you’d like a downloadable cost calculator or specific local property examples next!
