In short
Stamp duty is not computed for Punjab: its rate pages cannot be read from outside India. 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 Ludhiana
Buying: no stamp duty is computed for Punjab; the home loan calculator works everywhere.
Ludhiana against the rest of India
Neither the NHB press release nor the list of the RBI's 18 cities carries Ludhiana, so Payotte has no price movement to report for it, and gives none rather than borrowing another city's.
Where Payotte reads the rates, the duty on a ₹50 lakh home runs from ₹2,50,000 in Uttarakhand (5% of the price) to ₹5,00,000 in Puducherry (10%): seven states and union territories out of 36, which leaves Punjab off that scale.
Ludhiana lies at 30.9°N, 75.9°E. The nearest of the other 43 cities is Chandigarh, 90 km to the east, then Dehradun (220 km, east) and Meerut (280 km, south-east), as the crow flies. The farthest is Thiruvananthapuram, 2,495 km away. The closest city with a RESIDEX figure is Faridabad, 310 km away, at +24.4%: a neighbour's number, not Ludhiana's own.
Ludhiana is the only city of Punjab on Payotte.
| City | Distance | Direction | Prices over a year (RESIDEX) |
|---|---|---|---|
| Chandigarh | 90 km | east | no figure |
| Dehradun | 220 km | east | no figure |
| Meerut | 280 km | south-east | no figure |
| Delhi | 285 km | south-east | no figure |
| Ghaziabad | 295 km | south-east | no figure |
| Gurugram | 295 km | south-east | no figure |
| Noida | 295 km | south-east | no figure |
| Faridabad | 310 km | south-east | +24.4% |
| Jaipur | 445 km | south | no figure |
| Kanpur | 660 km | south-east | no figure |
| Lucknow | 670 km | south-east | no figure |
| Bhopal | 865 km | south | no figure |
Where to check in Punjab
The official sites to use before buying in Ludhiana, Punjab: the register of projects and agents, the portal that registers the sale deed, the land records and the municipal body that levies property tax. Each link goes to a government site.
- Real estate regulator (RERA): Real Estate Regulatory Authority, Punjab (did not open from outside India).
- Deed registration and stamp duty: easyregistry.punjab.gov.in (did not open from outside India).
- Land records: Punjab Land Records Society (PLRS), Punjab.
- Municipal body of Ludhiana: Ludhiana Municipal Corporation, Punjab.
Sites listed by the Integrated Government Online Directory of the National Informatics Centre and the list of State and UT registration websites of the National Generic Document Registration System, read between 18 October 2026 and 2 November 2026; 2 sites 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 in Ludhiana?
Payotte shows no figure: the rate pages of Punjab could not be read from outside India. Ask the sub-registrar office.
What EMI on a ₹50 lakh home in Ludhiana?
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 Ludhiana?
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
More on the tax when you sell: capital gains tax on property. On the loan: eligibility and EMI.
The figures
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 Punjab
Sources
- Prices and loans: NHB RESIDEX (source acknowledged); RBI House Price Index; RBI lending rates; RBI Credit Facilities Directions 2025, paragraph 111.