Stamp duty to lower interest: How couples can save lakhs with a joint home loan

For many young couples in India, buying that first home is not just a milestone but also one of the biggest financial commitments of their lives. With property prices climbing steadily, paying the full cost upfront is nearly impossible for most families. That is where home loans step in. Increasingly, couples are opting for joint home loans, a move that financial planners say can not only ease the burden of borrowing but also unlock significant savings. Advertisement

CA Nitin Kaushik recently highlighted the strategy in a post on X, noting: “If you’re planning to buy a home, don’t look at a joint loan as just paperwork. Done right, it’s one of the smartest tax and financial strategies a couple can use in India.”

Sharing an example from his practice, Kaushik recounted how a young Delhi c