🏠 Karnataka Stamp Duty & Registration 2025-26
KAVERI Portal — Karnataka Stamps & Registration Dept
5.0%
Stamp Duty (Male)
5.0%
Stamp Duty (Female)
1.0%
Registration Fee
0%
Female Saving
🧮 Calculate Stamp Duty
All States Calculator →📊 Karnataka Stamp Duty Rate Table
Stamp duty varies by guidance value slab: 2% (<₹20L), 3% (₹20–45L), 5% (>₹45L). BBMP areas may have additional cess.
| Property / Buyer | Stamp Duty | Reg. Fee | Total | |
|---|---|---|---|---|
| Up to ₹20 lakh | Any buyer | 2% | 1% | 3% total |
| ₹20 lakh – ₹45 lakh | Any buyer | 3% | 1% | 4% total |
| Above ₹45 lakh | Any buyer | 5% | 1% | 6% total |
| Agriculture land | Any | Varies | 0.5% | Check KAVERI |
💰 Worked Examples — Karnataka Property Registration
| Property Value | Type · Buyer | City | Stamp Duty | Reg. Fee | Total Cost |
|---|---|---|---|---|---|
| ₹45.0L | Flat · Any | Bengaluru | ₹225,000 | ₹45,000 | ₹292,500 |
| ₹75.0L | Flat · Any | Bengaluru | ₹375,000 | ₹75,000 | ₹487,500 |
| ₹1.0 Cr | Flat · Any | Bengaluru | ₹500,000 | ₹100,000 | ₹650,000 |
| ₹30.0L | Plot · Any | Mysuru | ₹150,000 | ₹30,000 | ₹195,000 |
Calculations include applicable surcharges. Registration fee capped at no cap — 1% of full value. Always verify with KAVERI Portal — Karnataka Stamps & Registration Dept.
🏙️ Karnataka Stamp Duty by City — 2025-26
Stamp duty %, surcharge %, registration fee %, and effective total for male and female buyers.
| City / Area | SD (Male) | SD (Female) | Surcharge | Reg. Fee | Total (Male) | Total (Female) |
|---|---|---|---|---|---|---|
| Bengaluru (BBMP) | 5.0% | 5.0% | 0.0% | 1.0% | 6.0% | 6.0% |
| Mysuru | 5.0% | 5.0% | 0.0% | 1.0% | 6.0% | 6.0% |
| Mangaluru | 5.0% | 5.0% | 0.0% | 1.0% | 6.0% | 6.0% |
| Hubli-Dharwad | 3.0% | 3.0% | 0.0% | 1.0% | 4.0% | 4.0% |
| Belagavi | 3.0% | 3.0% | 0.0% | 1.0% | 4.0% | 4.0% |
✅ Stamp Duty Exemptions & Discounts — Karnataka
- ✓No gender discount — Karnataka applies the same rate regardless of buyer’s gender.
- ✓Affordable housing (<₹20L): Only 2% stamp duty — encourages low-income housing.
- ✓Resale property: Same slab rate applies — no distinction between new and resale.
- ✓Sale between family members: Concessional stamp duty (₹1,000 flat in some cases — check KAVERI).
- ✓Industrial property: Separate rates under Karnataka Industrial Areas Development Board (KIADB).
Exemptions subject to change. Verify with KAVERI Portal — Karnataka Stamps & Registration Dept portal (https://kaverionline.karnataka.gov.in) before finalising property transaction.
📋 Step-by-Step Property Registration — Karnataka
Get Khata & Encumbrance Certificate
Obtain EC (Encumbrance Certificate) from Sub-Registrar to check property is free of dues. Get Khata certificate from BBMP/CMC.
Check Guidance Value on KAVERI
Visit kaverionline.karnataka.gov.in → Guidance Value → enter locality. Stamp duty is on the higher of guidance value or sale price.
Pay Stamp Duty via KAVERI Online
Register on KAVERI portal, fill e-Challan form, pay online via bank transfer. Download digitally signed e-stamp certificate.
Draft & Execute Sale Deed
Engage registered document writer (licensed by Registration Dept). Sale deed must include all property details, consideration amount, and encumbrance status.
Book SRO Appointment on KAVERI
Book slot at the nearest Sub-Registrar Office. Karnataka has a Bhoomi integration for agricultural land — use the correct portal for land vs flat.
Registration Day — Biometrics & Fee
Visit SRO with buyer, seller, 2 witnesses (PAN mandatory). Pay 1% registration fee. Biometric verification. Document registered, receive acknowledgement and later collect registered deed.
❓ Frequently Asked Questions — Karnataka Stamp Duty
What is stamp duty in Bengaluru / Karnataka 2025-26?
Stamp duty in Karnataka is slab-based: 2% for properties up to ₹20 lakh, 3% for ₹20–45 lakh, and 5% above ₹45 lakh. Registration fee is 1% on top. In Bengaluru, most flats cost above ₹45L so the effective total is 6% (5% + 1%). Unlike Maharashtra, there is no gender-based discount in Karnataka.
How is stamp duty calculated in Bengaluru for a ₹1 Crore flat?
For a ₹1 Crore flat in Bengaluru: Stamp duty = 5% of ₹1Cr = ₹5,00,000. Registration fee = 1% of ₹1Cr = ₹1,00,000. Total payable = ₹6,00,000. If BBMP imposes a cess (0.1–0.5%), add ₹10,000–50,000 on top. Always check the current guidance value on KAVERI portal before calculating.
What is the KAVERI portal and how do I use it for stamp duty?
KAVERI (Karnataka Valuation and e-Registration) at kaverionline.karnataka.gov.in is the state’s official portal. Use it to: check guidance value, calculate stamp duty, pay e-stamp duty online, book Sub-Registrar appointment, and download registered documents. It also integrates with Bhoomi (land records) for rural properties.
Is there stamp duty exemption for affordable housing in Karnataka?
Yes — properties up to ₹20 lakh guidance value qualify for the 2% slab (vs 5% for higher values). Additionally, Karnataka RERA registered projects may have specific benefits. Properties under Rajiv Gandhi Housing Corporation schemes may have concessional rates.
What is the difference between stamp duty and registration in Karnataka?
Stamp duty (2–5% by slab) is a state tax paid to the government as ‘duty’ for legitimising the property transaction. Registration fee (1%, no cap) is paid to the Sub-Registrar’s Office for the administrative act of recording the transaction in public records. Both must be paid before/during registration. You cannot register without paying both.