Stamp Duty and Property Registration Charges in Bihar

In Bihar, the state government imposes stamp duty as a mandatory charge, alongside registration fees. This system protects the interests of both buyers and the government by ensuring that property transactions are legally documented.

If you are planning to purchase property in Bihar, it is essential to have a clear understanding of the stamp duty and registration charges. Being aware of these charges will help you budget effectively and ensure a smooth property transaction.

To calculate charges for property transactions, it is essential to understand the classification of documents and their associated costs. Below is a table outlining the stamp duty and property registration charges in Bihar for various property-related documents:

Stamp duty in Bihar is calculated as a percentage of the transaction value of the property or the circle rate, whichever is higher. 

In Bihar, stamp duty rates differ based on the buyer's gender. Male buyers pay 6.3% of the property's sale value, while female buyers benefit from a reduced rate of 5.7%. Additionally, registration charges, calculated at 2% of the property's market value, apply to all buyers.

By using the official Bhumijankari portal, you can easily calculate charges, make payments securely, and complete the process without hassle. Here is the process to pay stamp duty and registration charges online in Bihar:

1. Visit the Bihar Registration Department's portal

 

2. Log in or create an account through the ‘Login’ option on the homepage

3. Enter property details like location, transaction value, and buyer information

4. Calculate charges using the portal's calculator

5. Generate an e-Challan for payment

6. Pay via the payment method of your choice

7. Download and save the payment receipt

To pay stamp duty offline in Bihar, follow the necessary steps to ensure your payment is recorded and property documents are validated. Here is how you can complete the offline payment process:

1. Visit an authorised bank or office in the jurisdiction of the property

2. Collect the application form for stamp duty payment

3. Fill in the required details, including buyer and property information

4. Attach necessary documents like the sale deed and ID proof

5. Submit the form and documents to the designated counter

6. Pay the stamp duty amount in cash, demand draft, or cheque

7. Obtain the stamped document and receipt as proof of payment

By fulfilling eligibility requirements, you can ensure a hassle-free and legitimate property registration process in Bihar. These criteria help maintain transparency and prevent disputes over ownership. To ensure proper property registration, you need to:

• Have it registered under the rightful owner’s name

• Be the legal heir in case of a transfer of property from a deceased person

• Hold valid power of attorney to act as the official signatory

With the correct documents ready, you can streamline the property registration process and ensure its legality. When registering property in Bihar, it is important to ensure that all of the following necessary documents are in place for property registration:

• Copy of the e-stamp paper for stamp duty payment

• Photocopy of the sale deed or transfer deed for registration

• Passport-sized photographs of both parties involved

• Valid identification with address proof (Aadhaar and PAN card)

• Signed property documents from both the buyer and seller

• Valuation certificate issued by a certified Tehsildar

• Property map showing plot size, surroundings, and relevant details

• NOC (No Objection Certificate), if applicable

• Payment receipt for transfer duty, stamp duty, and registration charges (challan or DD)

• Identity proof copies like Aadhaar card, Passport, or Voter ID

• Encumbrance certificate

You can request a refund for stamp duty from the District Collector within six months if the property transaction is cancelled or delayed. Requests made after six months will not be accepted. Depending on the reason, a small deduction may apply to your refund.

When purchasing property in Bihar, you can take advantage of various tax benefits related to stamp duty and registration charges. These incentives can provide financial relief and help reduce your tax burden. 

Here are the key tax benefits you can enjoy:

• Under Section 80C, claim a deduction for stamp duty and registration charges up to ₹1.5 Lakh in the year of property purchase

• For home loans on an under-construction property, claim tax deductions for stamp duty and registration charges in five equal instalments, starting from the year of possession

• First-time homebuyers can claim extra tax deductions on home loan interest

In Bihar, certain property transactions are exempt from stamp duty under specific conditions. Government properties, including land and buildings transferred to or by the government, are generally exempt from stamp duty charges. Similarly, properties classified as affordable housing often qualify for stamp duty exemptions to encourage homeownership. 

Additionally, transfers of agricultural land are sometimes exempt from stamp duty, depending on the location and intended use of the land. These exemptions are designed to support government initiatives and make property transactions more accessible in certain sectors.

If you face any issues or discrepancies regarding stamp duty in Bihar, you can access grievance redressal services through the state's official registration portal. The government provides a structured process to address concerns regarding incorrect stamp duty calculations, delays in processing, or issues with the registration of documents.

You can get your queries resolved by contacting the following:

Sri Vinod Singh Gunjiyal, IAS
Secretary, Inspector General of Registration-cum-Excise Commissioner

• Tel: (0612)-2215626

• Email: secy-reg-bihnic.in

• Address: Vikas Bhawan, Bailey Road, Patna - 800 001, Bihar

Sri Sushil Kumar Suman, BRS
Assistant I.G. of Registration

• Vikas Bhawan, Bailey Road, Patna - 800 001, Bihar

Make sure to provide all necessary documents and details related to the issue to expedite the resolution process. Bihar’s authorities aim to address concerns promptly and ensure compliance with the legal requirements of stamp duty and property registration.