Uttar Pradesh Gives Women Bigger Stamp Duty Break on Property Purchases Here’s What You Need to Know

What’s the New Policy?

• The UP Cabinet, under Chief Minister Yogi Adityanath, approved a policy on July 22, 2025, that gives women a 1% reduction in stamp duty on property registrations if the property is bought in a woman’s name.
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• This relief applies to properties worth up to ₹1 crore. Earlier, the benefit was only for properties valued up to ₹10 lakh.
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• Under the old system, the maximum exemption was ₹10,000; now, the maximum saving could be up to ₹1 lakh for eligible purchases. 

To avail this concession:

• The property must be registered in the name of a woman. 
• The transaction must involve a property (house, land, etc.) whose value does not exceed ₹1 crore. 

If either of those conditions is not met (property value more than ₹1 crore, or not registered in a woman’s name), the normal stamp duty rate applies.

How Much Can One Save?

• Under the revised policy, if a woman buys property worth up to ₹1 crore, she pays 1% less stamp duty than what would normally apply.
   
• Given that stamp duty in many UP districts is around 6–7% for such registrations, this exemption can lead to savings up to ₹1 lakh in favorable cases.

Why This Change Matters

• Empowerment & Ownership: Owning property in one’s name provides legal, financial, and social security. This policy encourages more women to hold titles in their name.
   
• Middle-Class Focus: Given that property values in many cities are rising, raising the cap from ₹10 lakh to ₹1 crore allows more middle-class women (often in urban and semi-urban areas) to benefit.
   
• Aligns with Broader Goals: The move ties in with the state’s Mission Shakti and efforts to improve women’s economic participation. 

Things to Check Before You Proceed

• Verify that the circle rate (government’s assessed value for property in a given area) is considered. If the circle rate is higher than the agreed price, duties are often calculated on the higher value. This can affect how much benefit you actually get.
   
• Make sure the registration happens properly — name spelled correctly, documents in order, etc. Minor errors can derail eligibility.
   
• Check the date when the policy becomes effective in your particular district (sometimes enforcement may lag or have procedural formalities).
   

• If property value exceeds ₹1 crore, this rebate won’t apply. Those buying very high-value property will still pay full stamp duty.
   
• In high-value real estate markets (metros, big cities), many properties exceed ₹1 crore, so the benefit may not extend to more premium transactions.
   
• Also, even though stamp duty is a big component, there are other costs (registration fees, circle rate premiums, etc.) which are not covered by this relief.