Women Property Buyers in UP to Get Bigger Stamp Duty Benefits

Uttar Pradesh has announced a significant step for women homebuyers in the state. During the Cabinet meeting chaired by Chief Minister Yogi Adityanath on July 22, 2025, the state government approved a 1% stamp duty relief on properties for women with a value of up to ₹ one crore. Previously, the exemption was limited to properties worth ₹10 lakh, with a stamp duty rebate of only ₹10,000. Hence, the ceiling for maximum stamp duty relief has increased ten times: from ₹1 lakh to ₹10 lakh.

Stamp Duty Benefits for Women

There is a stamp duty benefit to the woman purchaser under this measure: 

• The state waives a 1% tax on property transactions if a property (land or house) is purchased in the name of a woman for an amount of up to ₹ one crore, thus providing financial security to women.

• Middle-class women will feel some real benefits. A saving of ₹1 lakh on the registration fee is substantial for the purchase of urban homes, which typically cost between ₹50 lakh and ₹ 80 lakh.

• The benefit comes with a cap—transactions exceeding ₹1 crore will only pay the regular stamp duty. But for the mid-segment, this is transformational.

• This is a direct incentive for properties to be registered in women's names, underscoring the larger governmental intent: empowering women through property ownership and reinforcing the Mission Shakti programme.

Mission Shakti and Property Schemes Under Mission Shakti

Mission Shakti is the flagship project of the Indian government aimed at empowering women to become self-reliant. A woman should be financially independent and socially respected. Stamp duty concessions align perfectly with these objectives, which are the very antithesis of their ambitions-they are a means to legal and economic empowerment through property rights, primarily for middle-class women. 

According to Labour Minister Anil Rajbhar, the scheme will boost women’s confidence, make them “financially more capable and respected in society” and strengthen Mission Shakti itself.

Why Stamp Duty Relief Is Important

• Real estate perks to women: Stamp duty forms a significant component of property transaction expenses. Even a measly 1% relief on a property worth ₹50 lakh amounts to a saving of ₹50,000, which is not a small sum for a family functioning on a tight budget.

• Financial security for women: Property ownership for women forms a significant backbone of economic security, especially in the absence of joint families or post-marital security. 

• Property registration for middle-class women: Now, lower- and middle-income-class women have an incentive to register properties under women names.

• Registering property in a woman's name also affords clarity in legal matters and future inheritance rights.

Real‑Estate Markets: Noida, Greater Noida, Ghaziabad

The measure has been introduced while property prices in Noida, Greater Noida, and Ghaziabad are experiencing rapid inflation. Analysts predict that the stamp duty rebate will enhance demand for mid-range housing in these residential locations.

Property price snapshot (2025 market trends):

• In Noida, mid-segment 2- and 3-BHK apartments in sectors 75–85 are available for prices ranging from ₹60 lakh to ₹1.2 crore. 

• Greater Noida West and Ghaziabad are slightly cheaper, with prices in well-known townships expected to be around ₹50–90 lakh. 

• These price brackets are well within the ₹1 crore limit and thus are suitable for the waiver.

Experts comment that the limit of ₹1 crore may be restrictive for more premium properties, such as high-end Noida apartments priced at ₹1.5–2.5 crore. They argue that a cap of ₹2.5 crore, or even better, an uncapped limit, would have benefited more, as seen in Delhi, where a woman can avail of a 100% rebate on 1% stamp duty, irrespective of the value, even above ₹5 crore.

Nevertheless, the move will have immediate applicability for the mid-level segment. "This move is expected to benefit the mid-segment market the most...with more buyers moving forward with purchases under women", says real estate consultancies. “The move is expected to benefit the mid‑segment market the most … with more buyers moving forward with purchases under women’s ownership”. And a real estate group adds that this should “give a meaningful boost to home registrations in Noida, Greater Noida, and Ghaziabad”.

How to Purchase Property Under Women's Ownership

Therefore, families and buyers may plan to make a property purchase under female ownership by registering the property title in the name of a woman purchaser or jointly (e.g., a husband and wife, provided the woman is included) to qualify for stamp duty relief.

Steps:

• Select a property worth less than ₹1 crore.

• Agree to purchase property with a woman title owner.

• At the time of registration, inform the office of the sub-registrar about the application of stamp duty relief for women.

• Ensure that all necessary documentation is submitted under the Mission Shakti programme.

• Complete registration and claim Savings up to ₹1 lakh. 

Benefits to the Women Buyer

• Direct financial savings of up to ₹1 lakh.

• Legal empowerment, through ownership in women's names, clarifies rights.

• Increased respect in society and confidence, property ownership, elevates the status of women in distant families and communities.

• More registrations in women's names would lead to a better fulfilment of the gender equity goal.

• Greater financial security in the longer run and better investment and collateral options for college, credit, or the future.

Property Schemes For Women In Uttar Pradesh

Besides the possibility of other synergistic schemes under the Mission Shakti Programme: 

• Low-interest home loan schemes

• Subsidised plot allotments in township projects are reserved for women.

• Training and financial literacy programmes that accompany property investment.

• Legal clinics to advise on property ownership, wills, and inheritance for women.

Although such schemes are still in development, the umbrella of Mission Shakti provides a framework that could be overlaid with the stamp duty relief policy in the coming months. 

Registering in Noida / Ghaziabad / Greater Noida.: The residential hubs in Noida, Greater Noida, and Ghaziabad offer endless options in the ₹50 lakh–₹1 crore price band:

Ready-to-move apartments in Sector 75–77, Noida, and Sector Omega‑I in Greater Noida. Bhutani Cyberthum.

ATS Greenspark,, and other similar projects in Ghaziabad. 

For a ₹75 lakh flat: stamp duty (regular) = ₹4.5 lakh (at 6%). Women get only 5.5%, saving ₹37,500. 

Married couples can register jointly under the woman’s name, plus their husband, to avail of the rebate while retaining co-ownership rights.

Limitations and Future Scope

• The rebate is capped at ₹1 lakh. For properties above ₹1 crore, the law says no benefit. 

• Unlike in Delhi, no full uncapped rebate exists. Many had argued on the subject for ₹2.5 crores or even higher limits.

• The current stamp duty rate in UP is  ~6% for women; while other charges like registration and municipal tax still apply. 

• Awareness being key, the home-buyers themselves must instruct the sub-registrar to apply the benefit.

In Short

A stamp-duty refund of 1% for women homebuyers in Uttar Pradesh, up to a property value of ₹ one crore, will be a timely and meaningful policy shift that aligns with Mission Shakti. To enhance the stamp duty benefits for women with financial security, to further promote land ownership among middle-class women, and to incentivise the registration of properties in women's names, the policy should boost demand in the mid-range segment in the residential hubs in Noida, Greater Noida, and Ghaziabad. The policy offers:

• Stamp Duty Relief on Properties For Women up to ₹ one crore.

• Benefits For Women Homebuyers in Terms of Savings, Legal Security and Respect.

• A boost For Women Homebuyers In Uttar Pradesh and tothee UP Drive for Economic Gender Equity.

It can serve as an example for other states. Particularly for those families who are about to enter the property market soon in the ₹50 lakhs-₹1 crore band, title planning under a woman’s name is certainly a very strategic and fiscally prudent move. 

Key Facts & Figures

FAQs:

Q. What is the stamp duty benefit for females in UP?

A. In Uttar Pradesh, women pay 1% less stamp duty on properties worth up to ₹1 crore.

Q. Who can avail the stamp duty relief available in UP?

A. Only women homebuyers, or joint owners where a woman is involved, can avail of a 1 percent stamp duty rebate.

Q. Is the stamp duty benefit applicable on all types of properties?

A. Yes, the scheme are applicable to residential land and housing being purchased in a woman's name.

Q. What is the maximum stamp duty benefit available for women in UP?

A. The maximum benefit is ₹1 lakh for properties up to ₹1 crore.

Q. Does this facility accrue under the Mission Shakti programme?

A. Yes, this falls under the Mission Shakti programme for women empowerment.

Q. Can middle-class women use this policy?

A. Certainly, this scheme is meant to facilitate property ownership for middle-level women.

Q. Which areas qualify the most under this scheme?

A. Residential hubs in Noida, Greater Noida, and Ghaziabad largely fit into the ₹1 crore category.

Q. What are the registration requirements for properties for women to get the benefit?

A. The property has to be registered solely in the name of or jointly under the name of a woman.