Stamp Duty and Property Registration Charges in Bangalore 2026

Bangalore's tiered stamp duty structure means the percentage you pay depends significantly on your property's exact value bracket — understanding where your purchase falls, and the additional cess and surcharge for higher-value properties, ensures accurate budgeting. This guide breaks down the complete calculation across property types and transaction categories.

This page covers:

• Current stamp duty rates in Bangalore by property value
• Property and flat registration charges
• Stamp duty for conveyance, lease, and cancellation deeds
• Factors that determine stamp duty rates
• Tax benefits under Section 80C
• How to calculate charges using the Kaveri portal

Stamp duty is a mandatory payment made by the purchaser to the sub-registrar of the property's locality to officially register the property in government records under their name. This fee is determined and imposed by the respective state government.

The stamp duty applicable to properties varies based on market value, ranging from 3% to 5%. Registration charges are determined by market value as well, generally at 1%.

Cess and surcharge: For properties above Rs. 35 lakh in urban areas, a cess of 10% and surcharge of 2% apply on the stamp duty amount, bringing effective stamp duty to 5.6%. In rural areas, effective stamp duty stands at 5.65% (surcharge is 3%).

Example: For a property worth Rs. 40 lakh:

• Stamp duty (3%): Rs. 1.2 lakh
• Registration fee (1%): Rs. 40,000
• Total: Rs. 1.6 lakh

Unlike some other states, Karnataka does not offer a concession for women — both men and women pay equal registration charges in Bangalore.

Flat registration charges are calculated as 1% of the property's market value. For a flat valued at Rs. 60 lakh, the registration charge would be Rs. 60,000, in addition to the applicable stamp duty tier (5% for properties above Rs. 45 lakh in this case).

Conveyance deed: 5% for properties above Rs. 45 lakh, 3% for Rs. 21-45 lakh, 2% up to Rs. 20 lakh, plus 1% registration fee.
Lease deed:

Registration fee: 0.5% of the total annual rent or deposit.
Cancellation deed: Stamp duty is the same as the original instrument for a conveyance on sale. Registration fee is Rs. 500 (favouring government/local authorities) or Rs. 200 for other cases.

• Property value: Higher values attract higher stamp duty rates
• Location: Urban areas may have higher rates than rural areas
• Property type: Residential, commercial, or industrial properties have different rates
• Age of property: Older properties may attract lower rates
• Gender of buyer: While many states offer concessions to women, Karnataka does not

Know the stamp duty and property registration charges in Bangalore before applying for a home loan in Karnataka, factoring these costs into your budget upfront avoids surprises during the transaction.

Under Section 80C of the Income Tax Act, buyers can claim tax deductions on stamp duty and registration charges up to Rs. 1.5 lakh per year. This benefit applies only to new homes — not commercial properties, residential plots, or resale properties. The property must be registered in the buyer's name, with payment made in the same financial year.

1. Visit the Kaveri online services portal
2. Select the stamp duty and registration charges calculator
3. Enter property details — market value, location, and type
4. The portal provides the applicable stamp duty and registration charges

Example: For a property valued at Rs. 50 lakh, the calculator shows stamp duty of Rs. 2.5 lakh (5%) and registration fee of Rs. 50,000 (1%), totalling Rs. 3 lakh.

Beyond stamp duty and registration, Bangalore property buyers should also account for additional costs including legal fees for document verification, khata transfer charges, and any applicable GST for under-construction properties. Together, these ancillary costs can add another 1-2% to your total acquisition budget beyond the stamp duty and registration figures outlined above. Planning for the complete cost picture — not just the headline property price — prevents last-minute funding shortfalls during a transaction that already involves tight timelines and multiple stakeholders. For buyers financing their purchase through a home loan, discussing the complete cost breakdown with your lender early in the process helps ensure your sanctioned loan amount, combined with your own funds, comfortably covers both the property price and all associated statutory charges.

A little advance planning here goes a long way toward a smooth, stress-free registration day. This way, you can focus on settling into your new home rather than scrambling for last-minute funds.

Understanding Bangalore's tiered stamp duty structure, along with applicable cess and surcharge for higher-value properties, ensures accurate budgeting for your Karnataka property purchase. Bajaj Finance offers home loans from 7.25% p.a.* with amounts up to Rs. 15 Crore* and tenures up to 32 years. Check eligibility today.