Stamp Duty and Registration Charges in Gurgaon

Introduction

Stamp duty and registration charges are mandatory taxes and fees payable when you register property in Gurgaon. This guide explains what these charges mean, the latest rates, how they are calculated and the exact steps to pay online so that you complete registration smoothly and on time.

Overview of Stamp Duty and Registration Charges in Gurgaon

Stamp duty is a state tax on property transfer that validates ownership. Registration charges are the statutory fees to record the transaction at the Sub Registrar Office. Both are calculated on the higher of the circle rate or the declared sale value and must be paid before execution of the sale deed.

In addition, stamp duty plays a critical role in property and Business Loan transactions, as it governs the legal recognition and enforceability of loan agreements and collateral arrangements.

Also Read: What is Business Loan: A Complete Guide

What is Stamp Duty and How Does It Work in Gurgaon?

Under the Indian Stamp Act 1899 and Registration Act 1908, Haryana levies stamp duty on property conveyance. Rates vary by location and ownership. For Gurgaon within municipal limits the rate is higher than rural areas. Women pay a concessional rate compared to men. Joint ownership has its own slab. Duty is computed on the greater of market value and circle rate.

Updated Stamp Duty Rates in Gurgaon (2025)

Note: Certain small residential plots may be eligible for waiver or concessional duty as per government notifications. Always check the latest circulars before payment.

Registration Charges in Gurgaon: Slabs and Calculation

Registration fees follow a slab based system linked to property value. Use the chart below.

Registration fee is applied on agreement or circle value whichever is higher. Keep payment proofs ready for submission at the Sub Registrar Office.

Also Read: Stamp Duty and Registration Charges

How to Calculate Stamp Duty and Registration Charges in Gurgaon

Step 1: Identify applicable circle rate for your sector or locality.

Step 2: Determine property value based on area and circle rate.

Step 3: Apply stamp duty rate based on jurisdiction and ownership.

Step 4: Add registration fee from the slab chart.

Step 5: Include minor charges such as scanner or processing fees if applicable.

Example: Apartment within municipal limits, male buyer, agreement value ₹1,00,00,000 and circle value ₹95,00,000. Duty is on ₹1,00,00,000. Stamp duty = 7% = ₹7,00,000. Registration fee slab = ₹50,000. Total government charges = ₹7,50,000.

Factors Affecting Stamp Duty and Registration Charges

• Location: within municipal limits versus outside
• Gender and ownership pattern: individual or joint
• Property type: residential, commercial or agricultural
• Age and construction type: plot, flat or builder floor
• Circle rate revisions and government notifications
• Rebates and waivers for specific schemes

Property Value Calculation Methods in Gurgaon

Circle rates published by the district administration define minimum values for plots, group housing and commercial assets. Multiply the built up area by the notified rate for the category to arrive at valuation. For plots use per square yard rate and add construction cost where applicable.

Step-by-Step Guide to Paying Stamp Duty and Registration Charges Online in Gurgaon

1. Visit the e-GRAS Haryana portal and sign up or use guest login
2. Choose the department and head of account for stamp duty and registration
3. Enter property and buyer details and generate GRN
4. Pay online through net banking, debit card or credit card
5. Generate e-stamp and save the receipt
6. Book appointment on the state e-Registry portal and visit the Sub Registrar Office with originals

Important Documents Required for Property Registration in Gurgaon

• Executed sale deed
• PAN and Aadhaar of buyer and seller
• Recent passport size photographs
• Address proof
• Latest property tax receipt and NOC where required
• Approved plan or layout as applicable
• Payment receipts for e-stamp and registration

Refund Process for e-Stamp Challan in Gurgaon

If online payment is debited but receipt is not generated, use the Verify Payment option on e-GRAS. For failed transactions or duplicate payments raise a refund request through the portal with GRN, bank proof and contact details. Refund timelines vary by bank processing and treasury approval.

Why are Stamp Paper and Registration important for Business Loans?

Stamp paper and registration are important for Business Loans because they provide legal validity to the loan agreement and protect the interests of both the borrower and the lender. Loan documents executed on the proper value of stamp paper ensure that the contract is enforceable in court, reducing the risk of disputes in the future. Registration adds an additional layer of authenticity by officially recording the loan or collateral charge with the relevant authority. For secured business loans, such as Loans Against Property or commercial purchase loans, proper stamping and registration are essential to establish the lender’s rights over the asset. Together, these steps create a transparent and legally sound foundation for business borrowing.

Apply now for a Business Loan.

FAQs

Q.1. What is the timely deadline for paying stamp duty after property transaction in Gurgaon?

A. Stamp duty should be paid before registration and execution of the sale deed. Delay may attract penalty and interest as notified.

Q.2. Are there any exemptions or concessions on stamp duty for senior citizens?

A. Haryana does not provide specific senior citizen concessions on stamp duty. Gender based rates apply.

Q.3. Can stamp duty and registration charges be paid in instalments?

A. No. Charges must be paid in full before registration.

Q.4. How does joint ownership affect stamp duty charges in Gurgaon?

A. Joint ownership attracts a separate rate slab. Male and female joint owners within municipal limits pay six percent.

Q.5. Is stamp duty applicable on resale properties in Gurgaon?

A. Yes. Stamp duty applies on both new and resale conveyance based on value and circle rate.

Q.6. How to verify the payment of stamp duty made online?

A. Use the Verify Stamp or Verify Payment tools on e-GRAS and keep the e-stamp and GRN for submission at the Sub Registrar Office.

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