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 7.61% in August 2026.
The questions, answered
How much stamp duty and registration on a ₹50 lakh home in Chandigarh?
On a ₹50 lakh home in Chandigarh (Chandigarh), bought above the collector rate, 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, at the rates read on 14 October 2026.
How much stamp duty and registration on a ₹1 crore home in Chandigarh?
On a ₹1 crore home in Chandigarh (Chandigarh), bought above the collector rate, the charges are stamp duty (5%) ₹5,00,000, registration fee (1%, at most ₹10,000) ₹10,000, pasting fee ₹20: ₹5,10,020 in all, at the rates read on 14 October 2026.
What EMI on a ₹50 lakh home in Chandigarh?
For a ₹50 lakh home, an Indian bank may lend at most 80% of the cost (₹30 to 75 lakh band, RBI), that is ₹40 lakh at most, the buyer paying at least ₹10 lakh plus stamp duty and registration, which banks do not finance (except on a home costing ₹10 lakh or less). At 7.61%, the RBI average rate on new housing loans (August 2026, provisional), ₹40 lakh over 20 years costs ₹32,493 a month.
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.
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 |
| RBI House Price Index, 18 cities, over a year | +3.6% | RBI, Q1:2026-27 (April-June 2026) |
| Average rate, new housing loans (August 2026) | 7.61% | RBI, provisional |
| RBI policy repo rate | 5.5% | RBI, since 7 October 2026 |
No official, openly readable series gives the price of a home in rupees city by city: the RBI and the NHB publish indices, not prices.
Elsewhere in Chandigarh
Sources
- Duty: Rates of stamp duty and registration fees (Chandigarh Administration); the calculator.
- Prices: National Housing Bank, NHB RESIDEX press release, Q1 FY 2026-27 (April-June 2026) (NHB copyright policy: material may be reproduced free of charge, the source being prominently acknowledged (https://www.nhb.org.in/copyright-policy/)); Reserve Bank of India, press release 2026-2027/958, All-India House Price Index for Q1:2026-27 (24 August 2026).
- Loans: RBI, Lending and Deposit Rates of Scheduled Commercial Banks – September 2026, Table 9 (Sector-wise WALR, fresh rupee loans sanctioned, Housing); RBI (Commercial Banks – Credit Facilities) Directions, 2025, paragraph 111.