State

Buying a home in Uttarakhand: stamp duty and costs

Duty read at the Stamp and Registration Department, Uttarakhand · RBI loan rate · RBI and NHB price indices.

In short

On a ₹50 lakh home in Uttarakhand, stamp duty and registration come to ₹2,75,000, charged on the higher of the price and the circle rate. 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 Uttarakhand

If you buy

Stamp duty, registration and loan in Uttarakhand

Rates of the Stamp and Registration Department, Uttarakhand. Change any field: the amounts are recalculated instantly.

Value charged₹50,00,000
Stamp duty₹2,50,000
Registration fee₹25,000
Total at registration₹2,75,000
Largest bank loan (RBI cap)₹40,00,000 (80%)
Monthly EMI, 20 years at 7.61%₹32,493

For a woman buyer above ₹25 lakh the text reads "upto 25 lakh there after 5 %": whether the reduced rate covers the first ₹25 lakh only is not settled; the general 5% is shown as an upper limit.

Sale deed of a home bought by an individual. Brokerage, legal fees, GST on an unfinished home, TDS and bank fees are not included; your bank's rate will differ from the RBI average. All the rates and sources.

If you sell

Capital gain and the tax on it

Same rule in every state: the Income-tax Act applies across India.

Capital gain₹20,00,000
Type of gainLong-term (held over 24 months)
Rate12.5%
Tax on the gain₹2,50,000

Long-term gain taxed at 12.5% without indexation (Income-tax Act 2025, section 197(1), sale on or after 1 April 2026), before surcharge and cess. Home bought before 23 July 2024 by a resident individual or HUF: 20% with indexed cost at most (section 197(3)).

Gain = sale price − purchase price, before deductible costs. Brokerage, reinvestment exemptions and TDS are not included.

Uttarakhand in context

Uttarakhand charges stamp duty of 5% of the circle rate. On a ₹50 lakh home that is ₹2,50,000, joint 4th of the seven whose rates Payotte reads, level with Chandigarh, Maharashtra and Odisha. A woman buyer pays 3.75% up to ₹25 lakh.

The registration fee adds 2%, capped at ₹25,000. With the 20% down payment the RBI requires (₹10 lakh), the charges of Uttarakhand bring the money needed on registration day to ₹12,75,000, or 25.5% of the price.

On the simplified outline Payotte draws, Uttarakhand spans about 335 km east to west and 305 km north to south.

The seven states and union territories whose duty Payotte reads, set against Uttarakhand
StateStamp duty on ₹50 lakhAgainst UttarakhandDistance from the centre of Uttarakhand
Puducherry₹5,00,000+₹2,50,0002,135 km
Kerala₹4,00,000+₹1,50,0002,200 km
Rajasthan₹3,00,000+₹50,000655 km
Chandigarh₹2,50,000+₹0250 km
Maharashtra₹2,50,000+₹01,280 km
Odisha₹2,50,000+₹01,215 km

The questions, answered

How much stamp duty and registration on a ₹50 lakh home in Uttarakhand?

On a ₹50 lakh home in Uttarakhand, the charges are stamp duty (5%) ₹2,50,000, registration fee (2%, at most ₹25,000) ₹25,000: ₹2,75,000 in all, and ₹5,25,000 on ₹1 crore, above the circle rate, at the rates read on 14 October 2026.

Do women pay less stamp duty in Uttarakhand?

Yes: 3.75% instead of 5% up to ₹25 lakh. On ₹50 lakh, stamp duty is ₹2,50,000 instead of ₹2,50,000 (Uttarakhand, Stamp and Registration Department, Uttarakhand: stamp duty and registration fees (March 2025)).

What EMI on a ₹50 lakh home in Uttarakhand?

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 Uttarakhand?

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

MeasureValueSource
Stamp duty (5%) on ₹50 lakh₹2,50,000Stamp and Registration Department, Uttarakhand
Registration fee (2%, at most ₹25,000) on ₹50 lakh₹25,000Stamp and Registration Department, Uttarakhand

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