Find
Under the old regime, home loan principal and stamp duty and registration charges paid in the year qualify under Sec 80C, within the ₹1,50,000 limit. They are not part of house property deductions. The new regime does not allow them.
ITR
Claiming home loan principal and stamp duty
Updated . Every paid answer is checked by a CA. Free AI answers are labelled until a CA verifies them.
Provisions
Sec 80C (now Sec 123); Sec 115BAC (now Sec 202)
Analysis
If principal repaid was ₹90,000 and stamp duty was ₹2,00,000 in the year of purchase, the combined ₹2,90,000 is capped at ₹1,50,000 along with your PF, insurance and other Sec 80C items. If the house is sold within 5 years, the principal deduction claimed is reversed. Under the new regime, none of this is allowed.
Close
- Get principal amount from the loan certificate.
- Add stamp duty and registration paid in the year.
- Combine with other Sec 80C items up to ₹1,50,000.
- Claim only under the old regime.
Connect now
A Savvy replies in minutes.
Fixed price before you pay. Your Savvy is paid only after you accept the work.
General guidance from TaxSavvy’s library of money processes. Laws change; your Savvy confirms the answer on your exact case before anything is filed.