Find
Yes. Repayment of home loan principal and stamp duty and registration charges paid for buying a residential house qualify under 80C within the ₹1,50,000 limit, in the old regime.
ITR
Home loan principal and stamp duty under 80C
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Provisions
Sec 80C, Income-tax Act 1961 (now Sec 123); Sec 24(b), Income-tax Act 1961 (now Sec 22(1)(b))
Analysis
If principal repaid is ₹90,000 and stamp duty paid this year is ₹2,40,000, the combined 80C still caps at ₹1,50,000 with EPF and others. Stamp duty counts only in the year paid. Interest goes separately under house property, up to ₹2,00,000 for a self-occupied house.
Close
- Get the lender's certificate splitting principal and interest.
- Keep stamp duty and registration receipts.
- Add to other 80C items up to ₹1,50,000.
- Claim interest separately under house property.
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