Stamp Duty and Registration Charges in UP and Noida
If you are buying in Noida, Greater Noida, or anywhere in Uttar Pradesh, stamp duty and registration will add 6 to 8 percent to your cost, and there is a real saving for women buyers on properties up to a crore. This guide gives the exact stamp duty and registration charges in UP and Noida for 2026, the gender concession, and how the duty is calculated.
UP and Noida stamp duty rates
| Buyer | Stamp duty | Registration |
|---|---|---|
| Male | 7% | 1% |
| Female (property up to ₹1 crore) | 5% (after 1% rebate) | 1% |
| Female (property above ₹1 crore) | 6% | 1% |
Rates are current for 2026 and apply uniformly across UP, including Noida, Greater Noida, Ghaziabad, Lucknow, and other cities. The standard stamp duty is 7 percent, with women getting a 1 percent rebate, bringing it to 6 percent, and an additional 1 percent rebate on properties up to ₹1 crore, making it effectively 5 percent. Registration is 1 percent of the value for everyone.
The women's concession explained
UP gives women buyers a meaningful break. On a property up to ₹1 crore registered in a woman's name, the effective stamp duty is 5 percent instead of the 7 percent a man pays, a 2 percent saving, or ₹2 lakh on a ₹1 crore flat. Above ₹1 crore, the standard 6 percent applies to the whole amount for women. For couples, registering in the woman's name, alone or jointly, is a simple way to cut the cost.
How the duty is calculated
Like elsewhere, UP charges stamp duty on the higher of your transaction value or the government circle rate for that location. So even if you buy below the circle rate, you pay on the circle rate. Noida's circle rates are set per square metre and revised periodically, our Noida circle rates guide has the sector-wise numbers. Always check the circle rate for your flat before budgeting the stamp duty, since it sets the floor.
What it costs in practice
On a ₹1 crore Noida flat, a male buyer pays 7 percent stamp duty plus 1 percent registration, so ₹8 lakh in total. A woman buyer pays 5 percent plus 1 percent, so ₹6 lakh, a ₹2 lakh saving. This is upfront cash that banks do not fund, so plan for it alongside your down payment, our down payment guide covers the full picture. Budget 6 to 8 percent of the value for the full registry cost.
A worked example for Noida
Take a ₹90 lakh Noida flat, below the ₹1 crore threshold for the extra women's rebate. A male buyer pays 7 percent stamp duty, so ₹6.3 lakh, plus 1 percent registration of ₹90,000, a total of about ₹7.2 lakh. A female buyer pays the effective 5 percent, so ₹4.5 lakh plus ₹90,000, a total of about ₹5.4 lakh, saving ₹1.8 lakh. On a ₹1.2 crore flat above the threshold, the woman's rate is 6 percent rather than 5, so the saving over a male buyer narrows to 1 percent. This threshold effect is worth planning around: for a purchase near ₹1 crore, keeping the registered value at or below the threshold in a woman's name captures the full 2 percent rebate. As always, the duty applies to the higher of the sale price or the circle rate.
Frequently asked questions
Is there stamp duty on an under-construction flat in Noida?
Stamp duty is paid at registration of the sale deed, which for an under-construction flat happens on possession or as per your agreement, on the value or circle rate then. GST is separate and applies during construction, so budget both for a launch purchase.
What is the stamp duty in Noida in 2026?
Seven percent for male buyers and effectively 5 percent for women on properties up to ₹1 crore (6 percent above that), plus 1 percent registration for everyone.
What is the women's stamp duty rebate in UP?
Women get a 1 percent rebate, bringing the rate to 6 percent, plus an extra 1 percent rebate on properties up to ₹1 crore, making it effectively 5 percent.
What are the registration charges in Noida?
One percent of the property value, the same for male and female buyers, paid on top of stamp duty.
How much do I save registering in a woman's name in UP?
Two percent of the value on properties up to ₹1 crore, so ₹2 lakh on a ₹1 crore flat, compared with a male buyer.
Is UP stamp duty calculated on circle rate or sale price?
On the higher of the two. Even if you buy below the circle rate, you pay duty on the circle rate, so check it before budgeting.
Do the same rates apply in Greater Noida and Ghaziabad?
Yes, UP stamp duty rates apply uniformly across the state, including Noida, Greater Noida, and Ghaziabad. There is no separate city rate for sale deeds.
In UP and Noida, budget 6 to 8 percent for stamp duty and registration, 7 percent plus 1 percent for men, and effectively 5 percent plus 1 percent for women on properties up to a crore. Register in a woman's name to save, and check the circle rate first. Read more on our blog. Rates are current for 2026, so confirm with the sub-registrar before your registry.
