Karnataka stamp duty & registration:
what you'll actually pay.
Stamp duty, cess, surcharge and registration add up to roughly 7.5–7.6% of the property value on a Bengaluru home today. Enter your number and see the exact breakdown.
See what you'll actually pay.
Enter the property value — or the guidance value, if that's higher, since the higher of the two governs the calculation — and see stamp duty, cess, surcharge and registration worked out at Karnataka's current rates.
Uses the higher of the agreement value and the government guidance value for the locality. Check the current guidance value on Kaveri Online Services before you finalise a number — it changes by notification, not on a fixed schedule.
- Property value
- Stamp duty ()
- Cess (10% of stamp duty)
- Surcharge ( of stamp duty)
- Registration fee (2% of property value)
- Total: stamp duty + registration
That's about of the property value in total. Illustrative estimate, not a bill — confirm the current slab rates, cess and surcharge with the Department of Stamps and Registration or your lawyer before you budget against this number.
Karnataka's stamp duty, in plain terms.
Karnataka charges stamp duty on a slab basis, on the higher of the declared sale price and the government's guidance value for that street or layout: 2% on properties up to ₹20 lakh, 3% between ₹20 lakh and ₹45 lakh, and 5% above ₹45 lakh. Almost every home in S2O Advisors' own range, above ₹3 crore, falls in the top slab.
On top of the duty itself, two more charges apply. A cess of 10% of the stamp duty is added everywhere in the state. A surcharge is added too, and where you are decides the rate: 2% of the duty inside a city corporation — Bengaluru's corporations under the Greater Bengaluru Authority, or any other Karnataka city corporation — and 3% of the duty in a gram panchayat area. Put together, a corporation-area property in the 5% slab carries an effective stamp duty of about 5.5%.
Then there's registration. As of 31 August 2025, Karnataka's registration fee is 2% of the property value, doubled from the 1% it had been since 2003 — the state's first change to the fee in over two decades. Add it to the duty side and a Bengaluru buyer in the top slab, inside a corporation, ends up paying roughly 7.5–7.6% of the property value in government charges alone, before brokerage, legal fees or bank processing costs.
The one number worth double-checking before you rely on any of this: the guidance value for your specific locality, which the sub-registrar uses if it's higher than your agreed price. It's published on Kaveri Online Services and revised by government notification, not on a fixed calendar, so a figure that was accurate six months ago may not be today. Rates, cess and surcharge percentages are also set by government order and have changed before — treat this calculator as a close estimate to plan against, not a quote, and confirm the live numbers with your sub-registrar's office or a property lawyer before you sign.
Stamp duty in Bangalore — answered.
What is the current stamp duty rate in Bangalore and Karnataka?
Karnataka charges stamp duty on a slab basis: 2% on properties up to ₹20 lakh, 3% between ₹20 lakh and ₹45 lakh, and 5% above ₹45 lakh. A 10% cess on the duty applies everywhere, plus a surcharge of 2% inside a city corporation (including Bengaluru) or 3% in a gram panchayat area. Most homes above ₹3 crore sit in the 5% slab, inside corporation limits, so the effective stamp duty works out to about 5.5% of the property value.
How much are property registration charges in Karnataka?
Registration charges are 2% of the property value, revised upward from 1% on 31 August 2025 — the first change since 2003. Combined with stamp duty, cess and surcharge, a Bengaluru buyer in the top slab typically pays close to 7.5–7.6% of the property value in government charges alone, before brokerage or legal fees.
Is stamp duty calculated on the price I'm paying, or on the guidance value?
Whichever is higher. The sub-registrar compares your declared sale price to the government's guidance value — the notified minimum value — for that street or layout, and charges duty on the larger of the two. Check the current guidance value on Kaveri Online Services before you finalise a budget, since it changes by notification rather than on a fixed schedule.
Does it matter if the property is inside a city corporation or a rural gram panchayat?
Yes, for the surcharge. Properties inside a city corporation — Bengaluru's corporations under the Greater Bengaluru Authority, or any other Karnataka city corporation — carry a 2% surcharge on the stamp duty. Properties in a gram panchayat area carry a 3% surcharge instead. The 10% cess and the 2% registration fee apply either way.
How much would I pay in total on a ₹3 crore property in Bengaluru?
At current rates, roughly ₹22.8 lakh: ₹15 lakh stamp duty (5%), ₹1.5 lakh cess (10% of the duty), ₹30,000 surcharge (2% of the duty, corporation area) and ₹6 lakh registration (2%) — about 7.6% of the property value in total. Run your own number through the calculator above, since the exact figure depends on your property's value and location.
Are there any exemptions or discounts on Karnataka stamp duty?
Karnataka has offered lower stamp duty slabs for specific categories before, and rates have changed by government notification more than once. Don't assume an older discount still applies — confirm the current concessions, if any, with your sub-registrar's office or a property lawyer before you budget against them.
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