Karnataka Stamp Duty & Registration Charges Calculator
Calculate stamp duty and registration charges for property in Karnataka and Bengaluru. Karnataka applies a flat 5% for all buyers (no gender concession), with 2% for affordable housing under ₹20 lakh, plus 1% registration.
5.0%Stamp duty (all buyers)
2%Affordable (<₹20L)
1%Registration fee
KAVERIOnline portal
Calculate Your Stamp Duty
Karnataka Stamp Duty Rate Table (2025-26)
| Property / Buyer | Stamp Duty | Reg. Fee | Total (effective) |
|---|---|---|---|
| Property above ₹45 lakh | 5% | 1% | 6% |
| Property ₹21 lakh to ₹45 lakh | 3% | 1% | 4% |
| Affordable housing (below ₹20 lakh) | 2% | 1% | 3% |
Stamp duty applies on the higher of the circle rate (government value) or the agreed sale price.
Worked Example
For a ₹1,00,00,000 flat in Bengaluru, stamp duty at 5% is ₹5,00,000 plus a cess and surcharge (roughly 0.5% to 0.6% in BBMP limits) and 1% registration of ₹1,00,000, for a total of roughly ₹6,55,000. Karnataka applies the same rate regardless of the buyer’s gender, so there is no saving from registering in a woman’s name.
Stamp Duty Exemptions & Concessions in Karnataka
- No gender discount: Karnataka applies the same rate regardless of the buyer’s gender.
- Affordable housing (below ₹20L): Only 2% stamp duty to encourage low-income housing.
- Mid-range (₹21L to ₹45L): A reduced 3% slab applies.
- Sale between family members: Concessional stamp duty (flat ₹1,000 in some cases; check KAVERI).
- Industrial property: Separate rates under the Karnataka Industrial Areas Development Board (KIADB).
Exemptions are subject to change. Verify with the KAVERI portal before finalising any transaction.
Step-by-Step Property Registration in Karnataka
- Verify the circle rate (government value) for the locality; stamp duty applies on the higher of circle rate or sale price.
- Pay stamp duty online through the KAVERI portal or an authorised bank, and keep the e-challan receipt.
- Get the sale deed drafted by a registered advocate; stamp duty must be paid before or at execution.
- Book a Sub-Registrar Office appointment online through the KAVERI portal.
- Attend the SRO with PAN and Aadhaar of both parties, property documents, sale deed, e-challan and photographs. Both parties must be present.
- Complete biometric verification, pay the 1% registration fee, and collect the registered document.
Frequently Asked Questions , Karnataka Stamp Duty
What is stamp duty in Bengaluru / Karnataka 2025-26?
Karnataka charges 5% stamp duty for property above ₹45 lakh, 3% for ₹21 to ₹45 lakh, and 2% for affordable housing below ₹20 lakh, plus 1% registration and a small cess and surcharge in BBMP areas. The rate is the same for all buyers.
How is stamp duty calculated on a ₹1 crore flat in Bengaluru?
At 5% stamp duty that is ₹5,00,000, plus about 0.5 to 0.6% cess and surcharge and 1% registration (₹1,00,000), for a total of roughly ₹6.5 lakh. Use the calculator above for your exact figure.
What is the KAVERI portal?
KAVERI is the Karnataka Stamps and Registration Department’s online portal for property registration, stamp duty payment, appointments and encumbrance certificates. Most registration steps in Karnataka now run through KAVERI.
Is there a stamp duty exemption for affordable housing in Karnataka?
Yes. Properties below ₹20 lakh attract only 2% stamp duty, and the ₹21 to ₹45 lakh band attracts 3%, versus 5% above ₹45 lakh, making Karnataka favourable for affordable and mid-range homes.
What is the difference between stamp duty and registration in Karnataka?
Stamp duty (2 to 5% by value) is the tax on the transaction, while registration (1%) is the fee to record the deed with the government. Both are payable at registration, along with a small cess and surcharge in urban areas.
This calculator provides estimates for Karnataka stamp duty and registration for FY 2025-26. Actual charges depend on the circle rate, property type and current notifications. Verify on the official KAVERI portal and consult a registered advocate before any transaction. Not legal or financial advice.