The Uttar Pradesh government has announced a significant reform to support women homebuyers. Under the new policy, women purchasing residential properties in Uttar Pradesh can now avail a 1% rebate on stamp duty for properties valued up to ₹1 crore.
This step is designed to increase women’s participation in property ownership, reduce the financial burden on families, and stimulate demand in the state’s real estate market—especially in cities like Noida, Greater Noida, Ghaziabad, Lucknow, Agra, Meerut, and Varanasi.
This comprehensive guide explains the policy, eligibility criteria, savings, applicable property types, stamp duty structure, and frequently asked questions in clear and detailed form.
What Is the New Stamp Duty Relief for Women in Uttar Pradesh?
The Government of Uttar Pradesh has introduced a 1% concession on stamp duty for women purchasing residential properties. The key points of the relief include:
Applicable on properties where the transaction value or circle rate does not exceed ₹1 crore.
Reduces the effective stamp duty rate for women buyers from 7% to 6%.
Encourages property ownership in the name of women, promoting both financial independence and security.
Valid for both individual purchases and joint purchases, provided at least one registered owner is a woman.
Implemented to encourage mid-income and first-time buyers who often find the initial cost of stamp duty to be a major hurdle.
This reform modernizes property registration norms and supports gender-inclusive property ownership.
To qualify for the benefit, the following conditions must be met:
The Buyer Must Be a Woman
The property must be registered in the name of:
A single woman buyer, or
Multiple women buyers, or
Joint ownership where at least one buyer is a woman (e.g., husband and wife).
Property Value Limit
The rebate is applicable only when:
The sale consideration or the circle rate (whichever is higher) is ₹1 crore or less.
If the valuation exceeds ₹1 crore, the rebate is not granted.
Applicable Only on Residential Properties
The concession applies only to residential categories, including:
Flats and apartments
Residential plots
Independent houses
Builder floors
Villas
Group housing society flats
Commercial units, industrial spaces, agricultural land, and farmhouses are not eligible.
Only for New Registrations
The rebate is provided at the time of new property registration.
Properties that were previously registered or transferred without stamp duty are not covered.
Gift deeds and family transfers are excluded unless stamp duty is applicable.
Required Documentation
Women must provide the following at the time of registration:
Aadhaar card and PAN card
Passport-size photographs
Sale agreement or builder-buyer agreement
Proof of payment
Identity and address proof
These documents are essential for completing the registration process and applying the rebate.
How Much Can Women Save With This Concession?
The 1% stamp duty rebate translates into significant financial savings, particularly for mid-segment homebuyers.
Savings Breakdown
Example 1: Property Value ₹50 lakh
Standard stamp duty: 7% = ₹3,50,000
Women buyer duty: 6% = ₹3,00,000
Total Savings: ₹50,000
Example 2: Property Value ₹75 lakh
Standard duty: 7% = ₹5,25,000
Women buyer duty: 6% = ₹4,50,000
Total Savings: ₹75,000
Example 3: Property Value ₹1 crore
Standard duty: 7% = ₹7,00,000
Women buyer duty: 6% = ₹6,00,000
Total Savings: ₹1,00,000 (maximum limit)
These savings can be particularly helpful for buyers funding their home purchase with a loan, as lower upfront costs reduce immediate financial pressure.
Additional Financial Advantages
Women may also combine the rebate with:
Lower home loan interest rates offered to women borrowers
PMAY (Pradhan Mantri Awas Yojana) subsidy for eligible buyers
Preferential allotments in government housing schemes
This makes home ownership substantially more accessible.
What Types of Properties Qualify for the Relief?
The rebate is available on a wide range of residential properties. Eligible property types include:
Residential Flats and Apartments
Properties in multi-storey buildings, including both ready-to-move and under-construction units.
Independent Houses
Standalone houses built on freehold land in approved residential colonies.
Residential Plots
Plots allotted by:
Development Authorities (LDA, Noida Authority, YEIDA, GDA, etc.)
RERA-registered private developers
Approved plotted development colonies
Builder Floors
Independent floors constructed by developers on residential land.
Villas and Row Houses
Non-Eligible Property Types
Commercial shops
Office spaces
Godowns or warehouses
Industrial plots
Agricultural land
Farmhouses
Only properties primarily used for residential purposes qualify.
Below is the updated stamp duty structure applicable across Uttar Pradesh:
| Buyer Category | Stamp Duty Rate |
|---|
| Male Buyer | 7% |
| Female Buyer | 6% (after rebate) |
| Joint Ownership (Male + Female) | 6% |
| Joint Ownership (Two Women) | 6% |
| Registration Charge | ₹10,000 |
Important Notes on Stamp Duty Application
Duty is calculated on the higher of the transaction value and circle rate.
Additional charges such as lease rent, mutation fee, and cess may apply depending on locality.
Circle rates vary between districts and even localities within cities.
Understanding these rates helps in planning the total cost of registration more accurately.
Frequently Asked Questions
1. What is the stamp duty concession for women in Uttar Pradesh?
Women purchasing residential properties in Uttar Pradesh are eligible for a 1% stamp duty rebate on properties valued up to ₹1 crore, effectively reducing the duty from 7% to 6%.
2. When does the new 1% stamp duty relief for women in UP start?
The concession has already come into effect. Women purchasing and registering property now can immediately claim the reduced stamp duty.
3. How can women claim the new stamp duty rebate in UP?
Women can claim the rebate by:
Ensuring the property is registered in their name
Confirming that the property value does not exceed ₹1 crore
Presenting valid KYC documents at the Sub-Registrar Office
Completing the sale deed registration process
The rebate is automatically applied during stamp duty calculation, and no separate application is required.
4. What is the maximum saving under the new rebate scheme by the UP government?
The maximum saving available is ₹1,00,000, which corresponds to 1% of a property valued at ₹1 crore. Smaller properties receive proportionate savings.
Conclusion
The Women Stamp Duty Rebate in Uttar Pradesh is a progressive financial policy designed to make homeownership more accessible and affordable for women. By reducing stamp duty costs and increasing the affordability of residential properties, the state government aims to empower women financially while also boosting real estate demand.
For women planning to buy a home—whether a plot, flat, or independent house—this 1% rebate provides valuable financial relief. With maximum savings of up to ₹1 lakh, the policy is highly beneficial for first-time buyers and middle-income families.