Stamp Duty and Registration Charges in Bangalore: 2026 Complete Guide

In Bangalore, stamp duty ranges from 2% to 5% depending on property value, and registration charges are 2% of the property value (revised from 1% in August 2025). On a ₹60 lakh flat, your total statutory cost works out to approximately ₹4.35 lakh — stamp duty ₹3 lakh + registration ₹1.2 lakh + BBMP cess ₹15,000. Use the Kaveri 2.0 portal to calculate and pay online.

What Are Stamp Duty and Registration Charges in Bangalore?

When you buy a property in Bangalore, two mandatory government charges apply:

• Stamp duty — a tax on the property transaction document. Paying it makes the document legally valid and admissible in court.
• Registration charges — the fee for recording the property in the buyer's name in government land records.

Both are set by the Karnataka Government and are compulsory for all residential property and commercial property purchases across the state — Bengaluru, Mysuru, Mangaluru, and beyond.

Stamp Duty Rates in Bangalore 2025–26

Karnataka follows a slab-based stamp duty system. The rates below apply across all cities in the state, including Bengaluru:

BBMP Cess: If your property is within BBMP (Bruhat Bengaluru Mahanagara Palike) limits, an additional 0.5% cess is charged on the stamp duty amount — not on the property value.

These rates apply to both residential properties and commercial properties. Note: Karnataka removed the gender-based stamp duty concession for women under the Registration (Karnataka Amendment) Act 2024. Both male and female buyers now pay the same rate.

Registration Charges in Bangalore: Updated to 2% (August 2025)

Important Update: Effective 31 August 2025, Karnataka doubled its property registration charge from 1% to 2% of the property value. This was the first revision since 2003.

The registration charge is uniform — it applies at the same 2% rate across all property types and all price brackets, for all buyers regardless of gender.

If your sale agreement was signed before 31 August 2025, confirm with your Sub-Registrar whether the older 1% rate applies to your specific transaction.

How to Calculate Stamp Duty and Registration Charges

Here is how to calculate your total cost for a property in Bangalore:

• Find the guidance value — the minimum value set by the Karnataka government for your property's location. Check it on the Kaveri 2.0 portal. Stamp duty is calculated on whichever is higher: the guidance value or the actual sale price. You can also check it via the guidance value blog.
• Calculate stamp duty — apply the rate (2%, 3%, or 5%) based on your property value.
• Add BBMP cess — if within BBMP limits, add 0.5% of the stamp duty amount.
• Add registration charges — 2% of the property value.

Example — ₹60 lakh apartment (above ₹45 lakh slab):

The government calculates both stamp duty and registration charges on the higher of the sale price or the guidance value. Always verify the guidance value on Kaveri 2.0 before budgeting.

How to Pay Stamp Duty Online Using Kaveri 2.0

Karnataka upgraded its property registration portal to Kaveri 2.0. As of January 2026, the state also introduced digital e-stamping under the Karnataka Stamp (Digital e-Stamp) Rules, 2025 — buyers can now generate stamp certificates entirely online without visiting a bank.

Step-by-step:

• Visit kaveri.karnataka.gov.in
• Register or log in to your account
• Select 'Stamp Duty Payment' from the services menu
• Enter property details — location, type, and market value
• Use the built-in calculator to confirm your stamp duty and registration charges
• Pay online via net banking, debit card, or UPI
• Download your digital e-stamp certificate with a unique QR code for verification

You can also book your Sub-Registrar Office appointment online through the same portal — no need to visit in person for pre-registration steps.

Planning to buy a luxury apartment in Bengaluru? Explore Brigade Group's residential projects in Bengaluru and our team can walk you through the full cost-of-ownership picture, including stamp duty and home loan structuring.

Stamp Duty Exemptions in Karnataka: Who Qualifies?

Karnataka currently does not offer a blanket gender-based stamp duty concession. The 1% discount for women buyers was discontinued under the Registration (Karnataka Amendment) Act 2024.

Exemptions or concessions may still apply in these cases:

• Properties under ₹20 lakh attract a lower 2% rate, benefiting entry-level buyers
• Agricultural land transferred within the family may attract lower rates
• Properties under specific government housing schemes may have reduced stamp duty
• MSME and senior citizen concessions apply for select scheme-linked properties — confirm with your Sub-Registrar

Always verify your eligibility with a legal professional or the Karnataka Department of Stamps and Registration before finalising your purchase.

Stamp Duty vs Registration Charges: Key Differences

Both charges are compulsory and paid at the time of property registration. Here is how they differ:

Common Mistakes to Avoid When Paying Stamp Duty and Registration Charges

• Undervaluation of the property — stamp duty must be paid on the correct value to avoid penalties from the Sub-Registrar
• Missing deadlines — stamp duty must be paid before the property registration is completed
• Incomplete documents — missing documents delay registration; confirm the full checklist with your Sub-Registrar in advance
• Not accounting for cess — BBMP cess adds to your total cost; factor it into your budget from the start
• Using outdated rates — registration charges changed to 2% in August 2025; verify the current rate before calculating your budget

Tax Benefits on Stamp Duty Under Section 80C

Under Section 80C of the Income Tax Act (referenced as Clause 123 in the Income Tax Bill 2025), you can claim a deduction for stamp duty and registration charges paid on a new residential property. Read more about property tax in Bangalore for related tax planning tips.

• Deduction limit: Up to ₹1.5 lakh (combined with other 80C investments like PF, ELSS, life insurance)
• Who can claim: Individual taxpayers purchasing a residential property for self-occupation
• When to claim: In the same financial year the stamp duty and registration payment is made
• Tax regime: This deduction is only available under the old tax regime — not applicable under the new default tax regime

Keep all payment receipts, the registered sale deed, and the digital e-stamp certificate safely. You will need them when filing your ITR and if you sell the property in the future.

Factors That Affect Stamp Duty Charges

• Property location — urban properties (within BBMP limits) attract the additional 0.5% cess on top of stamp duty
• Property value — higher value means a higher stamp duty slab (2%, 3%, or 5%)
• Property type — residential, commercial, and agricultural land may attract different rates
• New vs resale — stamp duty applies to both; no difference in rate but guidance values may vary
• Guidance value vs sale price — stamp duty is charged on whichever is higher

NRI buyers should also note that FEMA guidelines apply to property purchases in India. Visit our NRI corner for a complete guide to buying property in Bangalore as an NRI.

Conclusion

Stamp duty and registration charges in Bangalore together amount to roughly 7–7.6% of property value for homes above ₹45 lakh — a significant cost to plan for early. With the August 2025 revision doubling registration charges to 2%, it is more important than ever to budget accurately before you commit.

With Kaveri 2.0, the entire process — from calculating charges to booking your Sub-Registrar appointment — can be completed online. Ensure your documents are complete and verify the guidance value for your property before the registration date.

If you are looking for luxury apartments in Bengaluru, Chennai, or Hyderabad, explore Brigade Group's residential projects — our team can walk you through the full cost-of-ownership picture, including stamp duty, registration, and home loan structuring.

Related reads:

• Guidance Value in Bangalore — how it's calculated and why it matters
• Property Registration Process in Bangalore: Step-by-Step
• Stamp Duty & Registration Charges in Chennai

FAQ's

1. What is the current stamp duty rate in Bangalore?

Stamp duty in Bangalore follows a slab system: 2% for properties below ₹20 lakh, 3% for ₹20–45 lakh, and 5% for properties above ₹45 lakh. If the property is within BBMP limits, an additional 0.5% cess is charged on the stamp duty amount. These rates are uniform across all cities in Karnataka.

2. What are the registration charges in Bangalore in 2025–26?

As of 31 August 2025, property registration charges in Bangalore are 2% of the property value — doubled from the earlier 1%. This applies to all property types: residential, commercial, and plots. For a ₹60 lakh property, the registration charge is ₹1,20,000.

3. How do I pay stamp duty online in Bangalore?

You can pay stamp duty online through the Kaveri 2.0 portal at kaveri.karnataka.gov.in. Log in, enter your property details, confirm the amount using the built-in calculator, and pay via net banking, debit card, or UPI. You will receive a digital e-stamp certificate with a unique QR code. You can also book your Sub-Registrar Office appointment through the same portal.

4. Do women get a concession on stamp duty in Bangalore?

As of 2024, Karnataka no longer offers a gender-based stamp duty concession for women buyers. The earlier 1% discount was discontinued under the Registration (Karnataka Amendment) Act 2024. Both male and female buyers now pay the same stamp duty rate.

5. What is the total cost of registering a ₹1 crore apartment in Bangalore?

• Stamp duty (5%): ₹5,00,000
• BBMP Cess (0.5% of stamp duty): ₹25,000
• Registration (2%): ₹2,00,000
• Total statutory cost: ₹7,25,000

This does not include GST (if under-construction), home loan processing fees, or documentation charges. Use the Kaveri 2.0 calculator to verify based on your exact property guidance value.

6. What documents are needed for property registration in Bangalore?

Standard documents required for property registration in Bangalore:

• Original sale deed or agreement of sale
• Encumbrance Certificate (EC) from the Sub-Registrar
• Khata certificate and latest property tax receipt
• Identity proof of buyer and seller (Aadhaar, PAN)
• Two passport-size photographs of both parties
• Property card or title document
• If a home loan is involved: NOC from the bank

Confirm the exact list with your Sub-Registrar Office as requirements can vary by property type.

7. Can I pay stamp duty by credit card in Karnataka?

Currently, the Kaveri 2.0 portal accepts payments via net banking, debit card, and UPI. Credit card payments are not listed as a standard option on the portal. Confirm the latest accepted payment methods at kaveri.karnataka.gov.in or at your Sub-Registrar Office before registration day.

8. What is the stamp duty for a resale flat in Bangalore?

Stamp duty rates for resale flats are the same as for new properties: 2% (below ₹20 lakh), 3% (₹20–45 lakh), and 5% (above ₹45 lakh). For resale properties, stamp duty is calculated on the higher of the current guidance value or the actual sale price — whichever is higher.