Stamp duty and registration in Karnataka
Karnataka stamp duty & registration
Rates as of 2026-08-01 — verify before transacting
Payable at registration
₹7,19,400
6.60% of ₹1.09 Cr · stamp duty band 5% (Above ₹45 L)
How this was worked out
- Value charged
- ₹1,09,00,000
- Stamp duty @ 5% (Above ₹45 L)
- ₹5,45,000
- Cess @ 10% of stamp duty
- ₹54,500
- Surcharge @ 2% of stamp duty (urban / city corporation)
- ₹10,900
- Registration fee @ 1%
- ₹1,09,000
- Total payable at registration
- ₹7,19,400
Duty is charged on the higher of your agreement value and the state guidance value.
Karnataka charges the band rate on the whole value, not marginally.
Charged on the same value, separately from stamp duty.
Roughly 6.60% of the value. Rates as of 2026-08-01, Karnataka — verify before transacting.
Your numbers
The value written into the sale deed — not the all-in price, and not including GST.
Where the property is
Only the surcharge differs: 2% of the duty inside city-corporation limits, 3% in gram-panchayat areas.
Do you know the government guidance value?
Duty is charged on the higher of your agreement value and the state's guidance (circle) value. Look it up on the Kaveri portal for the exact survey number.
What this means for you
Budget ₹7,19,400 in cash on registration day — about 6.60% of the property value, and no lender funds it. On an under-construction home, GST is charged separately on top. This is the single most commonly forgotten line in an Indian home purchase, which is why Pinly shows it inside the all-in price on every project.
The Karnataka rates used on this page
Stamp duty is charged at a flat rate on the whole consideration according to which value band the property falls into. It is not a marginal slab like income tax — a property just over a band boundary is charged the higher rate on every rupee.
- 2% — Up to ₹20 L
- 3% — Above ₹20 L up to ₹45 L
- 5% — Above ₹45 L
Three further charges sit on top. Cess at 10% of the stamp duty — of the duty, not of the property, which is why it is a small number. Surcharge at 2% of the duty inside a city corporation or urban local body, and 3% in a gram panchayat area. And the registration fee at 1% of the same chargeable value, which is a separate levy from the duty entirely.
Added together, a property above ₹45 lakh inside city limits attracts roughly 6.6% of its value in stamp duty and registration. That is the number to budget with. Nothing about it is funded by a home loan.
Guidance value: the trap in a negotiated discount
The state publishes a guidance value — sometimes called the circle rate — for every survey number, and duty is calculated on the higher of your agreement value and that guidance value. If you negotiate a price below guidance, you still pay duty on guidance. If guidance was revised upward after you agreed a price, the same thing happens.
Look the figure up for the exact property, not the locality average, before you finalise your cash plan. The calculator above has a field for it, and it will tell you plainly when the guidance value, rather than your price, is setting the bill.
What else lands on the same cheque
Stamp duty and registration are not the whole of the “extra” cost. GST applies to under-construction property as a separate central levy on the agreement value and does not apply to a completed home sold after its occupancy certificate. Legal and documentation charges are usually a few tens of thousands. Brokerage, if any, is on top. And the developer’s own components — preferred-location charges, floor rise, car parking, club membership and a refundable maintenance deposit — sit inside the agreement value or beside it, depending on the builder.
This is exactly the problem Pinly’s all-in price exists to solve. Every project page shows the base price and then every mandatory component that lands on the final cheque, itemised, so the number you compare is the number you pay. You can see it on Verdant Meadows, where a base price of ₹1.09 Cr is only where the arithmetic starts.
One last honesty note, because it matters more here than anywhere else on Pinly: statutory rates are set by the state and revised in state budgets. The figures used on this page are Karnataka rates as last reviewed on 2026-08-01. This is not a live feed from the Department of Stamps and Registration. Before you transact, confirm the current figure on the Kaveri portal or with the jurisdictional sub-registrar.
Common questions
What is the stamp duty on property in Bangalore?
Karnataka charges stamp duty by value band: 2% up to ₹20 lakh, 3% above ₹20 lakh and up to ₹45 lakh, and 5% above ₹45 lakh. The band rate applies to the whole consideration, not marginally. On top of the duty there is a cess of 10% of the duty and a surcharge of 2% of the duty inside city-corporation limits (3% in gram-panchayat areas), plus a registration fee of 1% of the value. For a property above ₹45 lakh inside BBMP limits that works out to about 6.6% of the value in total. These are the rates as last reviewed on 2026-08-01; state rates change with state budgets, so verify before you transact.
How much is stamp duty and registration on a ₹1 crore flat in Bangalore?
About ₹6.6 lakh inside city-corporation limits: ₹5,00,000 stamp duty at 5%, ₹50,000 cess at 10% of the duty, ₹10,000 surcharge at 2% of the duty, and ₹1,00,000 registration at 1%. GST on an under-construction unit is charged separately on top of all of this.
Is stamp duty charged on the price I pay or the guidance value?
On whichever is higher. Karnataka publishes a guidance (circle) value for every survey number, and if that value exceeds your agreement value, duty is calculated on the guidance value. This surprises buyers negotiating a discount in a locality where guidance values have recently been revised upward. Look up the guidance value for the specific property on the Kaveri portal before you budget.
Does Karnataka give women buyers a lower stamp duty rate?
Several Indian states offer a concessional rate for women buyers; the concessions and their conditions vary by state and change with state budgets. Do not assume one applies to your transaction — check the current position with the jurisdictional sub-registrar or on the Kaveri portal before you plan around it. This calculator applies the standard rates only.
Can I add stamp duty to my home loan?
Generally no. Lenders fund a percentage of the agreement value, and stamp duty, cess, surcharge and registration sit outside it. Budget for this as cash you must have on registration day.
Is GST included in this calculation?
No. GST is a central levy on under-construction property and is separate from state stamp duty. It is charged by the developer on the agreement value, and it does not apply to a completed property sold after the occupancy certificate. Pinly's project pages show GST inside the all-in price alongside stamp duty and registration so you see the whole cheque in one place.
Before you rely on this
This is a calculator, not financial advice. Pinly is not a lender, a broker or a tax adviser. The numbers here follow the assumptions you set on this page — change an assumption and the answer changes.
Stamp duty, cess, surcharge, registration fees and GST are set by the state and change with state budgets. The rates used here are Karnataka rates as last reviewed on 2026-08-01. They are not a live feed. Confirm the current figure on the Kaveri portal or with the jurisdictional sub-registrar before you transact.
We do not name banks, quote interest-rate offers or promise an approval. Your sanctioned rate, tenure and eligibility are the lender’s decision, based on your credit profile and their policy on the day.
Project prices on Pinly are demonstration data for this prototype and do not describe a real project or a real registration.