Your Guide To Registering A Property In Lucknow

With Lucknow’s real estate market ruling the roost, there has been a noticeable growth in the number of buyers owing to the growing opportunities that the city offers. Modern facilities, well-developed roadways, modern luxurious high rise residential complexes, plush amenities and above all competitive prices have led to Lucknow being touted as a gold mine for investment and living. Once you find a property that suits your needs, the next and the most imperative thing you must do is, register the property, whether it is a flat, a house, a floor, a villa or an office building.

The primary purpose of registration of property is to maintain legitimate land and ownership records and to facilitate seamless transfer. Legally, sale of a piece of land is not considered as valid till the purchase is not legally stamped and registered. An unregistered property does not have any validity legally.

​​In the state of Uttar Pradesh,, registration of immovable property is a mandatory step as per the Registration Act, 1908.  The owner of the property must pay stamp duty and registration charges in order to give the property a valid ownership . Unless the registration process is complete, the prior owner continues to hold legal rights over the property.

IGRSUP (Integrated Grievance Redressal System UP) is mainly concerned with the registration of documents of immovable properties in UP. IGRSUP is the official portal of stamp and registration department of the Government of Uttar Pradesh. The main objective of IGRSUP is to provide all facilities of the Stamp and Registration Department to the people and maintain transparency between the state government and the citizens. Let’s begin with the documents needed to begin the process of registration.

Documents needed for property registration in Lucknow-

• Sale deed
• Power of attorney (if any)
• Tax-paid receipts for the last three months
• A copy of all registered previous agreements (in case of resale property)
• Encumbrance certificate
• Occupancy certificate
• Copy of agreement to sale
• Sanctioned building plan
• Electricity bill
• ID Proof, including PAN Card

Online Registration Process

The UP state government launched an online portal to make the process of property registration more convenient for the people, making it accessible anytime, anywhere. People can also schedule a time and date for the appointment at the SRO. Here we share a step-by-step guide to the property registration process in the state of Uttar Pradesh.

1. Visit the official IGRSUP website - https://igrsup.gov.in/
2. Click on the ‘Apply’ option under ‘Property Registration’.
3. If you are registering for the first time, select  ‘new entry’, and mention your information- district, tehsil, and the registrar’s office. Put in your mobile number and create a password for login.
4. Enter the Captcha Code and click on ‘Go Ahead’. If you are an existing user, log in using your user id and password.
5.  You will see a property registration form displayed. Select the relevant deed from the options available, and enter the deed presenter’s name and mobile number
6. Fill in the property details, such as tehsil, rural or urban area type, sub-area, ward from the sub-area, and property type. Select the type of building and click on the ‘Next’.
7.  Choose the type of property and enter the details of the property and total area.
8. Click on ‘Calculate Fee’. Based on the details filled in, the portal will auto calculate the applicable stamp duty and registration charge.
9.  Upload all your documents like ID Proofs- PAN number and Aadhaar card, among others.
10. After adding the documents, provide details of other parties involved in the transaction, and two witnesses.
11. For payment of the registration charges, select the payment service type. Select ‘User Consent’ and then click on the ‘Save’ button. Further, enter the displayed captcha and confirm to save the process.
     

   Registration at the SRO (Sub Registrar Office)

1. Visit the Sub Registrar Office(SRO) with a printout of the application and all mandatory documents on the scheduled appointment date.
2. Submit the documents to the authorities, who will then check the details and pass it to the registrar.
3. On being called out, you will be asked to go to the registrar cabin along with the seller and witness.
4. On the scheduled slot, you must produce your ID in original before the registrar along with the DD for the said amount to be paid to the seller from the buyer. You will then sign the registry and on the advised places of the document to finish the registration.

Once the verification is complete and registration is in place, the SRO will update the certificate on the website. You can log in to the portal to download the registration certificate. Applicants can check/verify the details of any registered property in Uttar Pradesh using the district name, tehsil, village name, khata number, khasra number (survey number), or name on the official website.

Note: If SRO rejects the application, the return deed with reasons for rejection will be updated on the portal.

Stamp Duty & Registration Fees

The two most crucial components of property purchase in the state of Uttar Pradesh are Stamp duty and Registration charges. All property buyers in the state of Uttar Pradesh must pay these to have their names added to the government’s database. According to Section 17 of the Uttar Pradesh Registration Act 1908, any transaction involving an immovable property in UP that costs more than Rs 100 must be recorded at the sub-registrar office.

A stamp duty is a tax that the government imposes on certain legal documents, involving the transfer of property- both residential and commercial. When stamp duty is paid, a property transaction is recorded in the government's official database. The duty may differ from state to state depending upon the location of the property buyer’s residence. Any document that holds stamp duty is considered legal and presentable in the court of law and validates the credibility of the documents as proof of transaction.

Registration fee is the percentage of the total or registered value of the property charged by the state government, when you are registering a property on your name.. This fee is levied on new property registrations as well as old property transfers.

Stamp duty in Lucknow is 7% for men. In Uttar Pradesh, women enjoy the benefit of discounted stamp duty and pay 1% lesser, that is 6%. But this rebate is only on transactions of upto 10 lakhs value. However, If the price of the property exceeds this amount, both men and women must pay the same amount in stamp duty

The property registration fee in Lucknow is 1% of the market value or sale price of the property, whichever is higher, subject to a maximum of Rs 30,000.

If a property is held jointly by a man and a woman, they will be levied 6.5% of the property's value as stamp duty and 1% as registration fees, and If two women own the property, the stamp duty will be 6% and the registration fee will be 1%.

Important things to keep in mind when registering property

1. If your property includes amenities such as a swimming pool, club, gym etc, you will be charged a higher stamp duty and fee.
2. It is important to note that high rises are levied a heavier stamp duty. Hence, it is advisable to buy a house or office with less floors.
3. Properties located in the city centre will obviously have you shelling out  more on the registration fee and stamp duty. So, buying on the outskirts is a good idea.
4. To avoid hefty fees and duty, some people undervalue their property, quoting its cost lower than the actual price. This may seem like a smart move, but if caught, you will have to pay a very heavy penalty or even imprisonment.
5. If you are buying the property from a family member, it is imperative that you mention it while registering your property. This is considered as a gift deed and a very low fee will be charged in this case.