In short
On a ₹50 lakh home in Puducherry, stamp duty and registration come to ₹5,75,000, charged on the higher of the price and the guideline land rate (GLR). Across the RBI's 18 cities, house prices rose +3.6% over a year (Q1:2026-27 (April-June 2026)). A bank lends at most 80% of a ₹50 lakh home (RBI); the average rate on new housing loans was 7.61% in August 2026.
Calculate for Puducherry
Puducherry in context
Puducherry charges stamp duty of 10% of the guideline land rate (GLR). On a ₹50 lakh home that is ₹5,00,000, the highest of the seven states and union territories whose rates Payotte reads. A woman buyer pays 5%.
The registration fee adds 1.5%. With the 20% down payment the RBI requires (₹10 lakh), the charges of Puducherry bring the money needed on registration day to ₹15,75,000, or 31.5% of the price.
On the simplified outline Payotte draws, Puducherry spans about 15 km east to west and 20 km north to south.
| State | Stamp duty on ₹50 lakh | Against Puducherry | Distance from the centre of Puducherry |
|---|---|---|---|
| Kerala | ₹4,00,000 | -₹1,00,000 | 400 km |
| Rajasthan | ₹3,00,000 | -₹2,00,000 | 1,855 km |
| Chandigarh | ₹2,50,000 | -₹2,50,000 | 2,225 km |
| Maharashtra | ₹2,50,000 | -₹2,50,000 | 935 km |
| Odisha | ₹2,50,000 | -₹2,50,000 | 1,145 km |
| Uttarakhand | ₹2,50,000 | -₹2,50,000 | 2,135 km |
The questions, answered
How much stamp duty and registration on a ₹50 lakh home in Puducherry?
On a ₹50 lakh home in Puducherry, the charges are stamp duty (10%) ₹5,00,000, registration fee (1.5%) ₹75,000: ₹5,75,000 in all, and ₹11,50,000 on ₹1 crore, above the guideline land rate (GLR), at the rates read on 14 October 2026.
Do women pay less stamp duty in Puducherry?
Yes: 5% instead of 10% for a woman buyer permanently residing in the territory. On ₹50 lakh, stamp duty is ₹2,50,000 instead of ₹5,00,000 (Puducherry, Registration Department, Puducherry: table of fees for all kinds of documents).
What EMI on a ₹50 lakh home in Puducherry?
On the largest loan an Indian bank may grant (80% of the price, RBI), ₹40 lakh over 20 years at the 7.61% average rate costs ₹32,493 a month.
How much tax when you sell a home in Puducherry?
The Income-tax Act applies across India: a gain on a home held more than 24 months is taxed at 12.5% without indexation, ₹2,50,000 on a ₹20 lakh gain, before surcharge and cess
More on the tax when you sell: capital gains tax on property. On the loan: eligibility and EMI.
The figures
| Measure | Value | Source |
|---|---|---|
| Stamp duty (10%) on ₹50 lakh | ₹5,00,000 | Registration Department, Government of Puducherry |
| Registration fee (1.5%) on ₹50 lakh | ₹75,000 | Registration Department, Government of Puducherry |
The RBI and the NHB publish price indices, not prices in rupees. National figures: RBI House Price Index +3.6% over a year (Q1:2026-27 (April-June 2026)); average rate on new housing loans 7.61% (August 2026).
Sources
- Duty: Registration Department, Puducherry: table of fees for all kinds of documents; the calculator.
- Prices and loans: NHB RESIDEX (source acknowledged); RBI House Price Index; RBI lending rates; RBI Credit Facilities Directions 2025, paragraph 111.