Stamp Duty Calculator — Punjab
Calculate stamp duty and registration in Punjab for Mohali, Zirakpur and Ludhiana, with the women buyer concession, and compare with Chandigarh.
Punjab charges 7% stamp duty for men and 5% for women, inclusive of the social security cess and the PIDB (Punjab Infrastructure Development Board) levy that are added to the base rate. Registration is 1%.
Chandigarh is separate. As a Union Territory it sets its own rate — around 6% with no gender concession — which is why an identical flat in Mohali and in Chandigarh can carry noticeably different duty.
Punjab vs Chandigarh
| Location | Male | Female | Registration |
|---|---|---|---|
| Punjab (Mohali, Zirakpur, Ludhiana) | 7% | 5% | 1% |
| Chandigarh (UT) | 6% | 6% | 1% |
A worked example
A ₹70 lakh flat in Mohali in a woman's name: duty at 5% = ₹3,50,000 plus ₹70,000 registration = ₹4,20,000. The same flat in Chandigarh attracts 6% regardless of gender: ₹4,20,000 + ₹70,000 = ₹4,90,000.
This matters in the tricity area, where Mohali, Zirakpur, Panchkula (Haryana) and Chandigarh sit within a few kilometres of each other under three different duty regimes.
Punjab's headline rate includes the social security cess and PIDB levy. Confirm current figures on the Punjab Registration portal or with the local sub-registrar.
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Create your free property pageFrequently asked questions
What is the stamp duty in Mohali?
7% for male buyers and 5% for female buyers, inclusive of cess and the PIDB levy, plus 1% registration.
Is stamp duty different in Chandigarh?
Yes. Chandigarh is a Union Territory with its own rate of around 6%, and it does not offer a concession for women buyers.
Does Zirakpur follow Punjab rates?
Yes, Zirakpur is in Punjab (SAS Nagar district) and follows Punjab stamp duty, not Chandigarh or Haryana rates.
Do women pay less stamp duty in Punjab?
Yes, 5% against 7% for men — a 2% saving, among the larger concessions in north India.