Stamp Duty and Registration Charges in Bihar 2025-26

Stamp duty and registration charges in Bihar are essential for anyone buying, selling or transferring property in the state. These charges ensure that property transactions are legally valid and protect the rights of buyers and sellers. Understanding the latest rates, calculation methods and payment procedures helps avoid legal complications and ensures a smooth property transfer process.

What Are Stamp Duty and Registration Charges?

Stamp duty in Bihar is a state-imposed tax levied on property transactions, calculated as a percentage of the market or transaction value of the property, whichever is higher. Registration charges are government fees for the legal registration of property ownership, set at 2% of the value of the property. These charges are essential for establishing legal ownership and safeguarding against future disputes. The Bihar Stamp Duty Act and the Registration Act provide the legal framework for these charges, ensuring transparency and compliance in property transactions. Accurate payment of stamp duty and registration charges is mandatory for valid property documentation and legal recognition of ownership.

Why Paying Stamp Duty and Registration Charges in Bihar Is Important

Paying stamp duty and registration charges in Bihar is crucial for several reasons:

• Legal Protection: Ensures the transaction is recognised by law and provides legal proof of ownership.
• Avoidance of Penalties: Non-payment or underpayment can result in fines and legal actions and registration must be completed within four months to avoid penalties.
• Clear Title and Ownership Validation: Guarantees the transfer of ownership in government records, ensuring a clear title and preventing future disputes.
• Transparency: The Bihar Stamp Duty Act and Registration Act provide a clear framework for calculating and paying charges, promoting transparency in property transactions.

These steps are mandatory under the Bihar Stamp Duty Act and the Registration Act, ensuring that property transactions are legally valid and protected.

Overview of Stamp Duty and Registration Charges in Bihar 2025-26

In Bihar, stamp duty and registration charges are uniform across genders for most property types, but there are special provisions for certain deeds and exemptions for industrial land.

Exemptions & Rebates:

• Women buyers receive a rebate:5.7% stamp duty and 1.9% registration charges when buying from a male seller.
• Full exemption on stamp duty and registration charges for industrial land and units.
• Income tax deduction up to ₹1.5 lakh available under Section 80C for stamp duty and registration charges paid for residential property.

These rates and exemptions are based on the latest official notifications and the Bihar government guidelines for 2025-26.

Also Read: Stamp Duty and Property Registration Charges in Kerala

Bihar Stamp Duty Rates for Different Property Types

The stamp duty rates for sale deeds in Bihar vary by gender, with different charges for male, female and joint ownership categories.

Gift Deed Rates

For gift deeds to close relatives in Bihar, the stamp duty rate depends on the gender of the transferor and recipient.

• Male to Female: 5.7% stamp duty and 1.9% registration charges.
• Female to Male: 6.3% stamp duty and 2.1% registration charges.
• Other cases: 6% stamp duty and 2% registration charges.

Lease Deed Rates

The lease duration determines the stamp duty rates for lease agreements.

• Up to 11 months: 1% of the annual rent or ₹500 (whichever is less), with a fixed ₹1,000 registration charge.
• 11 months to 5 years: 6% of the average annual rent, with a fixed ₹1,000 registration charge.
• Over 5 years: 8% of the average annual rent, with a fixed ₹1,000 registration charge.

Agricultural Land

The government has exempted stamp duty and registration charges on land used for industrial purposes to promote industrial growth. Note that converting agricultural land for non-agricultural use requires permission and payment of a conversion fee.

Special Cases

1. Industrial Land: No stamp duty or registration charges are levied on land used for industrial purposes.
2. Rental Agreements: The stamp duty for rental agreements is 1% of the total annual rent plus security deposit, capped at ₹500 for low-value agreements.

How to Calculate Stamp Duty and Registration Charges in Bihar

Stamp duty and registration charges in Bihar are calculated based on the higher of the market value or the circle rate of the property. For example, if a residential plot in Patna is valued at ₹50,00,000:

• Stamp Duty (6%): ₹3,00,000
• Registration Charges (2%): ₹1,00,000
• Total Cost: ₹4,00,000

You can use the official Bihar Stamp Duty Calculator on the Bhumijankari portal to estimate your costs accurately. Always verify the circle rate using the IGRS Bihar portal to avoid undervaluation penalties.

Also read: Stamp Duty and Registration Charges in Maharashtra

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

1. Visit the official Bhumijankari portal (bhumijankari.bihar.gov.in).
2. Register or log in using your mobile number or credentials.
3. Enter property details such as location, transaction value and buyer information.
4. The system will auto-calculate stamp duty and registration charges.
5. Proceed to payment via UPI, net banking or debit/credit card.
6. Download and save the payment receipt and e-stamp certificate for your records.

This process ensures transparency, convenience and legal compliance for property transactions in Bihar.

Bihar Land Valuation and Market Value Realisation (MVR) Rate

Circle rates, also known as MVR rates, are government-set minimum values for property transactions in Bihar. These rates directly impact stamp duty calculations, as the higher of the market value or MVR is used for payment.

To check the official MVR rate, visit the Bhumijankari portal, select “View Land MVR,” and enter property details, including location, land type and area. The portal displays the current MVR for your property, helping buyers avoid undervaluation penalties and ensuring compliance with legal requirements.

Always cross-check the MVR against local market rates to verify the true value of the property before finalising any transaction.

Documents Required for Stamp Duty Payment and Property Registration in Bihar

• Sale Deed / Gift Deed or Other Instrument: This is the legal document that proves the transfer of ownership and is mandatory for registration.
• Proof of Identity and Address of Buyer and Seller: Aadhaar card and PAN card are required for both parties to verify identity and address, ensuring compliance with legal and tax regulations.
• Encumbrance Certificate: This certificate confirms that the property is free from legal or monetary liabilities, protecting the buyer from future disputes.
• No-objection Certificates and Legal Clearances: NOCs from relevant authorities are needed if the property is subject to any restrictions or if the transaction involves specific permissions.
• Maps and Property Valuation Reports: A plot map and property valuation report are essential to verify the location, boundaries and value of the property, ensuring accurate stamp duty calculation and legal compliance.

These documents are crucial for a smooth and legally compliant property registration process in Bihar.

Final Thoughts

Paying stamp duty and registration charges in Bihar is an important step to secure your property rights and ensure a smooth transaction. For those planning to buy a home, a Home Loan from Godrej Capital can help manage these costs effectively, offering flexible EMIs and quick digital sanction to support your growth journey.

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FAQs

Q.1. Can NRIs buy property in Bihar and what stamp duty rates apply?

A. NRIs can buy property in Bihar. The stamp duty rates are the same as for resident buyers.

Q.2. Is stamp duty payable on inherited properties in Bihar?

A. Stamp duty is not payable on inherited properties, but registration charges apply.

Q.3. How can I verify the authenticity of my e-stamp certificate?

A. You can verify your e-stamp certificate on the Bhumijankari portal using the certificate number.

Q.4. Can stamp duty rates change mid-year or are they fixed for the financial year?

A. Stamp duty rates are generally fixed for the financial year but can be revised by the government.

Q.5. What happens if the property transaction value declared is less than the MVR?

A. The stamp duty and registration charges are calculated based on the MVR, not the declared value.

Q.6. Are there any concessions for Senior Citizens while paying stamp duty in Bihar?

A. There are no special concessions for senior citizens while paying stamp duty in Bihar in 2025.

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