In short
On a ₹50 lakh home in 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 in context
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.
The registration fee adds 1%, capped at ₹10,000 and a pasting fee of ₹20. With the 20% down payment the RBI requires (₹10 lakh), the charges of Chandigarh bring the money needed on registration day to ₹12,60,020, or 25.2% of the price.
On the simplified outline Payotte draws, Chandigarh spans about 15 km east to west and 15 km north to south.
Payotte covers one city in this union territory: Chandigarh. It has no RESIDEX figure, so the price movement here can only be read from the RBI's index of 18 cities (+3.6%).
| State | Stamp duty on ₹50 lakh | Against Chandigarh | Distance from the centre of Chandigarh |
|---|---|---|---|
| Puducherry | ₹5,00,000 | +₹2,50,000 | 2,225 km |
| Kerala | ₹4,00,000 | +₹1,50,000 | 2,245 km |
| Rajasthan | ₹3,00,000 | +₹50,000 | 535 km |
| Maharashtra | ₹2,50,000 | +₹0 | 1,325 km |
| Odisha | ₹2,50,000 | +₹0 | 1,400 km |
| Uttarakhand | ₹2,50,000 | +₹0 | 250 km |
Where to check in Chandigarh
The official sites to use before buying in 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, 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
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).
Cities of Chandigarh on Payotte
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.