Stamp Duty and Registration Charges in Bangalore (2026)
How much you actually pay to register a property in Karnataka, with a worked example and ways to plan for it.
By MatchMyGhar Advisory Team · Updated 19 August 2026 · 7 min read
Stamp duty and registration are the biggest one-time transaction costs after the property price itself. In Karnataka they are levied on the higher of the sale consideration or the government guidance value. Here is how the numbers work in 2026.
The current rates in Karnataka
- Stamp duty: about 5% for properties above ₹45 lakh
- Reduced stamp duty slabs apply for lower-value homes (around 2–3%)
- Registration fee: 2% of the property value (Karnataka raised this from 1% to 2% with effect from 31 August 2025)
- Plus a small cess and surcharge component depending on the local body
A worked example
On a ₹1 crore apartment, budget roughly ₹5 lakh stamp duty, ₹2 lakh registration (2% since 31 August 2025) and about ₹60,000 cess and surcharge — close to ₹7.6 lakh in government charges, before legal, khata and loan costs. Always compute on the guidance value if it is higher than your agreed price.
Guidance value matters
Karnataka periodically revises guidance (circle) values. If the guidance value of your property exceeds the price you negotiated, stamp duty is charged on the guidance value. Check the Kaveri portal or ask your advisor for the current guidance value of the exact project before you sign.
Ways to plan for it
- Registration costs are usually not funded by home loans — keep this cash ready
- Unlike some states, Karnataka charges the same stamp duty regardless of the buyer's gender
- Factor these charges into your total budget from day one, not as an afterthought
Last reviewed August 2026. This is general information, not legal advice. Karnataka raised the registration fee from 1% to 2% with effect from 31 August 2025; stamp duty is charged on the higher of your price or the government guidance value, and cess/surcharge can change. Confirm current figures with the Karnataka Department of Stamps & Registration (Kaveri Online) before budgeting.
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Frequently asked questions
Is stamp duty calculated on the sale price or guidance value?+
On whichever is higher. If the government guidance value exceeds your agreed sale price, stamp duty is charged on the guidance value.
Can I add stamp duty and registration to my home loan?+
Generally no. Most lenders fund the property cost only, so keep stamp duty and registration as ready cash.
Are these rates the same across Karnataka?+
The core stamp duty and registration rates are set at the state level, but small cess and surcharge components can vary by local body. Confirm the exact figure for your project.
