TM Charges in Noida 2026: What Buyers Pay Beyond the Registry
TM charges in Noida vary by property category, original allotment period, and Authority regulations. Buyers should account for these charges alongside stamp duty and registration fees.
Property resale in Noida involves a separate fee when leasehold rights pass from seller to buyer. Noida Authority issues a Transfer Memorandum (TM) to approve the transfer and update its records. TM charges in Noida vary by property category and original allotment terms under the Authority’s fee schedule.
Before paying an advance, buyers can request a written fee calculation and agree with the seller on who will pay the amount.
This article outlines the documents needed for the transfer and uses a worked example to show how this fee impacts the total purchase cost, with a separate section explaining how it differs from developers’ processing charges.
Table of Contents
Key Takeaways: TM Charges in Noida for Resale Flats
- These apply to the resale of leasehold flats in the city, while first-time purchases from developers follow a separate process
- TM charges in Noida are 2.5% for properties allotted after 24 Sep 2021; and go higher (5%, 10%, 20%, 50%) depending on original allotment period, property category, and Noida Authority regulations
- General Power of Attorney (GPA) requires additional legal verification, and can involve doubling of transfer charges
- UP RERA Regulation 47(c) limits developer processing fees to ₹1000 for qualifying family transfers and ₹25,000 for non-family transfers. Noida Authority TM charges follow separate regulations.
- Property transfer in Noida involves Authority approval, payment of prescribed charges, registration of transfer deed, and updating official records
TM Charges in Noida at a Glance: Quick Answer for Resale Buyers
TM charges in Noida 2026 vary based on the property category, original allotment period, and Authority regulations.
| Particulars | Details |
| Residential resales | 2.5% to 50%, depending on original allotment date, property type, and nature of transfer |
| Transfers Under General Power of Attorney (GPA) | May involve higher fee on GPA-linked transfers (double the usual charges) |
| Family Transfers and Inheritance | Concession / exemption may be granted, based on the type of transfer and the rules in force |
| First Sale by a Developer | TM fee is usually not levied on the initial allotment of a flat by a developer |
| Payment Recipient and Channels | Noida Authority, through authorised channels |
| Processing Time | Depends on application completeness and the time required to verify documents and issue approval |
What is TM (Transfer Memorandum) in Noida, and Why is it Needed?
TM is an approval issued by Noida Authority for transferring leasehold rights during qualifying resale transactions. As Noida Authority retains ownership of the land, homebuyers require its permission to transfer the flat into their name.
The process involves payment of applicable TM charges, registration of transfer deed, and mutation of Authority records. Once these formalities are completed, leasehold rights can be established, and future resales and home loan applications can be processed more easily.
For similar procedures applicable to Greater Noida, refer to this article on GNIDA lease deed and transfer memorandum.
TM vs Stamp Duty in Noida: How Registry Charges Differ
Families purchasing resale flats in the city need to account for TM charges in Noida, apart from stamp duty and registration fees. The latter follow Uttar Pradesh regulations, while Noida Authority determines transfer charges for leasehold transactions.
| Charge | Paid To | Purpose | Payment Stage |
| Stamp Duty | UP Govt | Tax on the registered sale or transfer deed | Before deed execution at Sub-registrar’s Office |
| Registration Fee | UP Registration Department | Official registration of the deed | Same as above |
| TM Charges | Noida Authority | Permission to transfer leasehold rights | As prescribed by the Authority, generally before deed registration |
For rates and calculations, refer to this guide on stamp duty and registration charges in Noida. Additionally, this article on legal checklist before buying property in Greater Noida explains the key things to check in your homebuying journey.
How to Calculate TM Charges in Noida: Formula and Example
TM charges in Noida depend on the category, transfer rate, and valuation method prescribed by Noida Authority. For an illustrative calculation, assume an apartment measuring 100 sq m, valued at ₹1,26,750 per sq m, with a transfer rate of 2.5%.
Illustrative Formula: TM Charges = Assessed Property Value × Applicable TM Rate
| Calculation Step | Calculation | Amount |
| Property Valuation | 100 sq m × ₹1,26,750 | ₹1,26,75,000 |
| TM Charges at 2.5% | ₹1,26,75,000 × 2.5% | ₹3,16,875 |
| Equivalent Valuation per sq ft | ₹1,26,75,000 ÷ 1076.39 sq ft | ₹11,775.46 per sq ft |
Calculation for TM charges in Noida varies as per the original allotment terms and property classification. Certain categories follow allotment-based rates, while others use prescribed charges per sq m.
Refer to this article on Noida and Greater Noida circle rate to understand how valuation rates differ between locations.
TM Charges by Allotment Year and Flat Category
Transfer memorandum charges in Noida have historically varied according to the original allotment year and flat classification. Published schedules indicate different slabs, while certain housing categories have fixed charges.
| Allotment Period | Historical TM Rate |
| Before 1990 | 50% of original allotment price |
| 1991-2000 | 20% of original allotment price |
| 2001-2011 | 10% of original allotment price |
| 2011-Sep 2021 | 5% of original allotment price |
| Sep 2021 onwards | 2.5% for qualifying residential transfers |
TM Charges by Flat Category
| Flat Category | Historical Fixed Charge |
| Middle Income Group (MIG) | ₹1,00,000 |
| High Income Group (HIG) | ₹1,50,000 |
The charges depend on the flat’s original allotment documents and prevailing Authority rules.
TM Charges for GPA Property in Noida, Blood Relations, and Inheritance
TM charges in Noida depend on whether the application concerns a resale through GPA, an assignment to a family member, or succession after an allottee’s death.
- GPA property: GPA authorises a person to act on behalf of the holder. A sale through that representative follows the Noida Authority’s fee schedule for the transaction.
- Family transfers: A reduced fee or exemption applies when the relationship falls within the category specified by the Authority and the required proof is submitted.
- Inheritance: The Authority processes the change in its records through succession and verifies the legal heir’s documents. Any fee is determined under the succession rules for the property.
Buyers should verify the prevailing transfer charges in Noida and required documentation before initiating any transaction.
Developer Transfer Fees in Noida: What UP RERA Regulation 47 Allows
Developer transfer charges in Noida apply when an existing allotment is assigned to another buyer, including qualifying transfers before possession. Initial purchases from developers generally follow a different process from leasehold resale transactions.
Under UP RERA Regulation 47(c), introduced in Mar 2026, developers must follow the prescribed processing fee limits:
- Family transfers: Maximum ₹1000, including qualifying inheritance cases
- Non-family transfers: Maximum ₹25,000
- Agreement updates: Transfers require an endorsement to the existing sale or lease agreement instead of executing a new agreement
- Inheritance documents: Succession cases require death certificate, succession certificate, and NOCs from surviving legal heirs
Who Pays TM Charges in Noida: Buyer or Seller?
TM charges in Noida are generally paid by the buyer during resale transactions. However, both parties can mutually agree to share the amount or follow a different payment arrangement.
The agreement to sell should specify the payment responsibility, estimated charges, and timeline. Sellers should also clear outstanding maintenance fees, lease rent, and previous dues before completing the transaction.
Documents and Steps for a Noida Transfer Memorandum
Obtaining TM involves verifying ownership documents, securing Authority approval, paying the prescribed charges, and registering the transfer deed.
- Verify the allotment letter, lease deed, ownership records, and outstanding dues
- Collect the required no dues certificates, NOCs, and loan clearance document
- Submit the transfer application through the authorised Noida Authority channel and complete the payment
- Obtain the TM, and check its validity and deed registration deadline
- Register the transfer deed with the Sub-Registrar and complete the required mutation formalities
Documents Required for Transfer Memorandum in Noida
| Buyer Documents | Seller Documents |
| PAN card, ID proof, photos | Original allotment letter and lease / sub-lease deed |
| Signed agreement to sell and contact details | Registered title documents and possession proof |
| Home loan sanction details, if applicable | No dues certificate and lease rent records |
| Required affidavits and signatures | Society or developer NOC and loan closure documents, where required |
Refer to this article on property registration in Noida and Greater Noida for further information on deed registration and documentation.
How Long Does the Noida Authority TM Process Take?
This involves document verification, payment confirmation, and transfer approval. Processing time varies as per property category, outstanding dues, and completeness of submitted documents.
Buyers should also verify the registration deadline mentioned in the issued Transfer Memorandum. Certain documents specify 60 days for deed registration, while other categories follow different timelines. Delays can result in additional charges and affect mutation.
Total Cost of a Noida Resale Flat beyond Registry
Purchasing a resale flat involves expenses beyond the agreed sale price. Along with stamp duty and registration fees, buyers should account for TM charges in Noida for resale flats, legal verification, brokerage, and outstanding Authority dues if any.
Additional Costs for Resale Flats in Noida
| Expense | Payment Responsibility | Indicative Amount |
| Stamp Duty and Registration | Buyer | As prescribed by UP Govt |
| TM Charges | Buyer, or as mutually agreed | 2.5% for properties allotted after Sep 2021 |
| Developer Assignment Fee | As agreed between parties | Subject to UP RERA limits |
| Legal Verification and Brokerage | As mutually agreed upon | ₹50,000-100,000 (assumed combined amount) |
| Outstanding Authority and Society Dues | As specified in the agreement | Based on verified dues |
Buyers should confirm the actual amounts through official records.
Checklist Before Paying TM on a Resale Flat
Before paying transfer charges in Noida, buyers should verify the property’s legal documents, valuation, and payment requirements.
- Confirm the original allotment date, property category, and Authority valuation
- Obtain no dues certificates and verify outstanding lease rent
- Review the registered ownership documents and previous transfers
- Secure the required NOCs and lender clearance
- Specify payment responsibilities and timelines in the agreement to sell
Refer to this article on things to check before buying a home in Greater Noida, for additional guidance on legal verification and purchase documentation. For financial planning, this article on rental income vs EMI in Greater Noida explains how rental earnings compare with monthly loan repayments.
New Apartments in Greater Noida: When TM Differs
TM charges in Greater Noida follow the regulations of GNIDA (Greater Noida Industrial Development Authority), which differ from those of Noida Authority.
Buyers should verify the original allotment terms, property classification, and registration requirements while comparing new apartments with resale flats. Those seeking spacious configurations can evaluate 3BHK flats in Greater Noida based on their requirements, preferred locations, and project specifications.
Luxury residential choices are available through SOBHA apartments in Greater Noida, while the transfer charges must be confirmed with the respective Authority.
Conclusion: Plan the Authority Fee Before Registry
TM charges in Noida form an important part of resale transactions involving leasehold flats. Buyers should verify the Authority charges, registration expenses, and outstanding dues before finalising the purchase. Clear payment terms and complete documentation help ensure an orderly transfer process. Homebuyers seeking upscale residences, modern amenities, gated campus, and high-rise living can evaluate luxury flats in Greater Noida.
FAQs
Will a bank give a home loan, if TM charges in Noida are pending?
A bank may approve a home loan if TM charges in Noida are pending, subject to document verification and lending conditions. Loan disbursement may require Authority permission and registered transfer documents. Buyers should confirm the bank's requirements before proceeding.
Are transfer rules different for Greater Noida or Noida Extension flats?
Transfer rules for Noida Extension flats depend on the governing Authority. Most properties in Noida Extension fall under GNIDA, which follows different transfer charges and procedures from Noida Authority.
Can an NRI request a Transfer Memorandum through a Power of Attorney?
Yes, an NRI can request a Transfer Memorandum through an authorised representative, subject to Authority approval. The Power of Attorney must be properly executed, authenticated, and contain the required permissions. A registered transfer deed remains necessary for completing the transaction.
Which circle rate applies if rates change after the agreement?
The circle rate depends on the valuation date and prevailing Authority regulations. Signing an agreement does not automatically secure an earlier rate.
What costs and taxes does a Noida flat seller face?
A Noida flat seller may incur capital gains tax, brokerage, outstanding maintenance charges, and loan closure expenses. Tax liability depends on the holding period, purchase cost, and applicable exemptions.
Is a new RERA-registered flat safer than a Noida resale?
A new RERA-registered flat has regulatory safeguards, while a Noida resale requires verification of ownership records, Authority dues, and transfer approvals. Both transactions require legal checks.
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