In short
Stamp duty is not computed for Uttar Pradesh: its rate pages cannot be read from outside India. 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 Uttar Pradesh
Buying: no stamp duty is computed for Uttar Pradesh; the home loan calculator works everywhere.
Uttar Pradesh in context
Where Payotte reads the rates, the duty on a ₹50 lakh home runs from ₹2,50,000 in Uttarakhand (5% of the price) to ₹5,00,000 in Puducherry (10%): seven states and union territories out of 36, which leaves Uttar Pradesh off that scale.
On the simplified outline Payotte draws, Uttar Pradesh spans about 745 km east to west and 725 km north to south. Of its covered cities, the two most distant, Lucknow and Noida, are 405 km apart as the crow flies. The nearest of the seven states and union territories whose duty Payotte reads is Uttarakhand, about 360 km from the centre of Uttar Pradesh, at 5% of the circle rate: a point of comparison, not Uttar Pradesh's rate.
Payotte covers four cities in this state: Ghaziabad, Kanpur, Lucknow and Noida. None of them has a RESIDEX figure, so the price movement here can only be read from the RBI's index of 18 cities (+3.6%).
| State | Stamp duty on ₹50 lakh | Distance from the centre of Uttar Pradesh |
|---|---|---|
| Puducherry | ₹5,00,000 | 1,810 km |
| Kerala | ₹4,00,000 | 1,910 km |
| Rajasthan | ₹3,00,000 | 695 km |
| Chandigarh | ₹2,50,000 | 565 km |
| Maharashtra | ₹2,50,000 | 1,015 km |
| Odisha | ₹2,50,000 | 855 km |
| Uttarakhand | ₹2,50,000 | 360 km |
The questions, answered
How much stamp duty in Uttar Pradesh?
Payotte shows no figure: the rate pages of Uttar Pradesh could not be read from outside India. Ask the sub-registrar office.
What EMI on a ₹50 lakh home in Uttar Pradesh?
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 Uttar Pradesh?
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
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).
Cities of Uttar Pradesh on Payotte
Sources
- Prices and loans: NHB RESIDEX (source acknowledged); RBI House Price Index; RBI lending rates; RBI Credit Facilities Directions 2025, paragraph 111.