8% male, 6% female (2% saved). NRI Punjabi diaspora investment major. Fard land records + Punjab Land Records Society. Mohali/Chandigarh IT corridor emerging.
PUNJAB: (1) MALE: 7% + 1% registration = 8%. (2) FEMALE: 5% + 1% = 6% (2% saved). (3) JOINT: blended. (4) Ludhiana, Amritsar, Jalandhar, Patiala same. EXAMPLE Ludhiana ₹60L: Male ₹4.8L, Female ₹3.6L. SAVED ₹1.2L.
PUNJAB NRI investment major: (1) US, UK, Canada Punjabi diaspora prominent. (2) Ludhiana commercial, Amritsar tourism + religious, Jalandhar exports. (3) Mohali/Chandigarh adjacent IT corridor. (4) NRO/NRE account mandatory. (5) Diaspora REMITTANCES drive Punjab real estate. Premium urban properties + agricultural land near Amritsar.
PUNJAB LAND RECORDS: (1) FARD = land ownership extract. (2) Punjab Land Records Society portal (plrs.org.in). (3) Khasra Khatauni rural. (4) Mutation transfer. (5) Encumbrance Certificate. (6) e-Registration via PRPB portal. CRITICAL: verify Fard before purchase.
PUNJAB REGISTRATION: (1) Visit punjabregistration.gov.in. (2) Property valuation via Collector Rate. (3) Pay stamp duty online. (4) Schedule SRO appointment. (5) Document registration 2-3 weeks. SUPPORTING: PAN + ID + Fard + property docs + Aadhaar.
PUNJAB STRATEGY: (1) WOMEN's NAME 2% saved (₹1.2L on ₹60L). (2) NRI investment popular — verify Punjab agri land rules. (3) Mohali + Chandigarh tri-city emerging IT. (4) Ludhiana commercial premium. (5) Gift family 2% concessional. (6) Agricultural land: special restrictions for non-farmers. (7) JOINT REGISTRATION possible.