In short
On a ₹50 lakh home in Chandigarh (Chandigarh), stamp duty and registration come to ₹2,60,020, charged on the higher of the price and the collector 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 7.68% in September 2026.
Calculate for Chandigarh
Chandigarh against the rest of India
The NHB press release gives no RESIDEX figure for Chandigarh. The city is one of the 18 in the RBI House Price Index, whose combined change over a year is +3.6%; its own number sits in the RBI database, not in the release. The nine cities with a RESIDEX figure range from -1.7% to +24.4%.
Chandigarh charges stamp duty of 5% of the collector rate. On a ₹50 lakh home that is ₹2,50,000, joint 4th of the seven whose rates Payotte reads, level with Maharashtra, Odisha and Uttarakhand.
Chandigarh lies at 30.7°N, 76.8°E. The nearest of the other 43 cities is Ludhiana, 90 km to the west, then Dehradun (130 km, east) and Meerut (215 km, south-east), as the crow flies. Two cities in all lie within 150 km (Ludhiana and Dehradun). The farthest is Thiruvananthapuram, 2,475 km away. The closest city with a RESIDEX figure is Faridabad, 265 km away, at +24.4%: a neighbour's number, not Chandigarh's own.
Chandigarh is the only city of Chandigarh on Payotte.
| City | Distance | Direction | Prices over a year (RESIDEX) |
|---|---|---|---|
| Ludhiana | 90 km | west | no figure |
| Dehradun | 130 km | east | no figure |
| Meerut | 215 km | south-east | no figure |
| Delhi | 235 km | south | no figure |
| Ghaziabad | 240 km | south | no figure |
| Noida | 245 km | south | no figure |
| Gurugram | 255 km | south | no figure |
| Faridabad | 265 km | south | +24.4% |
| Jaipur | 435 km | south | no figure |
| Kanpur | 590 km | south-east | no figure |
| Lucknow | 590 km | south-east | no figure |
| Bhopal | 835 km | south | no figure |
Where to check in Chandigarh
The official sites to use before buying in Chandigarh, Chandigarh: the portal that registers the sale deed. Each link goes to a government site.
- Deed registration and stamp duty: ngdrs.chd.gov.in (did not open from outside India).
Sites listed by the list of State and UT registration websites of the National Generic Document Registration System, read on 2 November 2026; one site did not open from outside India that day, the address is the one the official list gives. Search a registration number, a deed or a land record yourself on these sites: Payotte copies nothing from the registers.
The questions, answered
How much stamp duty and registration on a ₹50 lakh home in Chandigarh?
On a ₹50 lakh home in Chandigarh (Chandigarh), the charges are stamp duty (5%) ₹2,50,000, registration fee (1%, at most ₹10,000) ₹10,000, pasting fee ₹20: ₹2,60,020 in all, and ₹5,10,020 on ₹1 crore, above the collector rate, at the rates read on 14 October 2026.
What EMI on a ₹50 lakh home in Chandigarh?
On the largest loan an Indian bank may grant (80% of the price, RBI), ₹40 lakh over 20 years at the 7.68% average rate costs ₹32,665 a month.
How much tax when you sell a home in Chandigarh?
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
Are house prices rising in Chandigarh?
Chandigarh is one of the 18 cities of the RBI House Price Index, which rose +3.6% over a year in Q1:2026-27 (April-June 2026) for all 18 cities together; the city figure is published only in the RBI's DBIE database.
More on the tax when you sell: capital gains tax on property. On the loan: eligibility and EMI.
The figures
| Measure | Value | Source |
|---|---|---|
| Stamp duty (5%) on ₹50 lakh | ₹2,50,000 | Deputy Commissioner, Chandigarh Administration |
| Registration fee (1%, at most ₹10,000) on ₹50 lakh | ₹10,000 | Deputy Commissioner, Chandigarh Administration |
| Pasting fee on ₹50 lakh | ₹20 | Deputy Commissioner, Chandigarh Administration |
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 7.68% (September 2026).
Elsewhere in Chandigarh
Sources
- Duty: Rates of stamp duty and registration fees (Chandigarh Administration); the calculator.
- Prices and loans: NHB RESIDEX (source acknowledged); RBI House Price Index; RBI lending rates; RBI Credit Facilities Directions 2025, paragraph 111.