An OTP will be sent to this number for verification
You may have a pre-approved offer
Enter required loan against property amount
In summary
Property rates in Bangalore vary by locality and property type. Government housing-price data helps you understand broader trends, while Karnataka's guidance values support registration-related property valuation.
- Bengaluru's housing-price index based on lender-assessed values rose 13.1% year-on-year during January–March 2026.
- The National Housing Bank (NHB) tracks housing-price movements across 50 Indian cities.
- NHB's 50-city assessment-price index increased 4.5% year-on-year during the same quarter.
- Karnataka's Kaveri portal provides access to official property-registration and valuation services.
- Karnataka implemented revised guidance values from 1 October 2023.
- Property prices depend on location, property type, building condition and area measurement.
Government guidance value, market price and lender-assessed value serve different purposes.
Before making a property decision, verify the applicable rate and supporting records. If you own an eligible property and are considering financing, you can check your loan against property eligibility with Bajaj Finance to explore your borrowing options.
Last updated: October 2026
Show More
Show Less
What are the property rates in Bangalore in 2026?
Property rates in Bangalore differ across neighbourhoods, property types and individual developments. There is no single government-notified selling price per square foot for the entire city.
Two official measures help you understand property values:
| Official measure | What it tells you | What it does not tell you |
| NHB housing-price index | How residential property values have changed over time | The current selling price of a specific flat |
| Karnataka guidance value | The government-notified value applicable to a property category and location | The price a buyer and seller must agree upon |
Last updated: 24th October, 2026
According to the National Housing Bank, Bengaluru's housing-price index based on lender-assessed values increased by 13.1% year-on-year during January–March 2026. This indicates city-level price movement. It does not mean every apartment, house or plot in Bangalore increased in value by 13.1%. For a property-specific estimate, you need the correct location, property type, area measurement and relevant valuation records.
Source: National Housing Bank – NHB RESIDEX, January–March 2026.
If you already own property in Bangalore, its assessed value can also matter when considering financing. Bajaj Finance Loan Against Property involves separate legal, technical, valuation and repayment-capacity checks.
How have property prices changed in Bangalore?
Bengaluru's housing-price index recorded year-on-year increases of 12.7% during October–December 2025 and 13.1% during January–March 2026. The National Housing Bank publishes these figures through NHB RESIDEX.
| Housing-price indicator | Year-on-year change |
| Bengaluru, October–December 2025 | +12.7% |
| Bengaluru, January–March 2026 | +13.1% |
| 50-city composite, October–December 2025 | +5.0% |
| 50-city composite, January–March 2026 | +4.5% |
Last updated: 24th October, 2026
Sources: NHB RESIDEX, October–December 2025 and NHB RESIDEX, January–March 2026.
The figures show stronger annual housing-price-index growth in Bengaluru than the 50-city composite during both periods. However, these percentages measure annual changes in an index. They are not the quarter-on-quarter increase between December 2025 and March 2026. NHB also changed the index base year to FY 2024–25 from the quarter ended March 2026. Use its published growth figures rather than directly comparing index values from different base-year series.
If you are buying a flat, the NHB trend provides market context. You still need property-specific information to assess the asking price.
How do property rates vary across Bangalore localities?
Property rates vary across Bangalore because neighbourhoods differ in connectivity, available housing, infrastructure and property characteristics.
For example, Whitefield and Electronic City contain different residential developments, while Indiranagar includes established housing and redevelopment properties.
The relevant comparison depends on the property you intend to buy.
| Locality | What you should compare |
| Whitefield | Project age, metro connectivity, construction status and employment access |
| Sarjapur Road | Exact project location, road access, layout approvals and available infrastructure |
| Electronic City | Residential phase, commuting options, building age and project condition |
| Indiranagar | Land share, property age, redevelopment potential and permitted use |
| Hebbal | Road connectivity, building specifications and surrounding development |
| Yelahanka | Layout approval, land classification, road access and neighbourhood facilities |
Last updated: 24th October, 2026
Consider two apartments in Whitefield, each measuring 1,200 sq. ft. One is a newly completed apartment near a metro station. The other is 15 years old and requires repairs. Even though their areas match, they need not have the same selling price. You should compare their usable area, building condition, additional expenses and legal documentation. For a government-notified valuation, check the property's guidance value through Karnataka's Kaveri portal.
What factors affect property rates in Bangalore?
Property rates in Bangalore depend on the property's location, characteristics and the demand for comparable properties.
| Factor | How it affects property value |
| Location | Determines access to workplaces, transport and essential services |
| Property type | Apartments, plots and commercial units have different valuation considerations |
| Area | Influences total price and the price-per-square-foot calculation |
| Building age | Affects maintenance requirements and property condition |
| Connectivity | Access to roads and transport can influence buyer demand |
| Project specifications | Construction quality, parking and facilities affect comparisons |
| Legal status | Ownership, approvals and permitted use influence transaction decisions |
| Market conditions | Available supply and buyer demand influence negotiated prices |
Last updated: 24th October, 2026
For example, an under-construction apartment can have a different asking price from a ready-to-occupy property nearby. However, the buyer must also consider the payment schedule, possession timeline and construction-related risks. Similarly, do not assume that a proposed metro station or road project is already operational. Use verified infrastructure information when evaluating a property.
What is the guidance value of property in Bangalore?
Guidance value is the government-notified valuation benchmark used for property registration in Karnataka. It is different from the price that a buyer and seller agree upon. The Karnataka Department of Stamps and Registration maintains the state's registration valuation framework.
Its Annual Report 2023–24 records that revised market-value guideline rates took effect on 1 October 2023.
This date refers to the revision documented in that report. It does not independently confirm the guidance value applicable to every Bangalore property in October 2026.
The relevant value depends on the location, registration jurisdiction, property category and applicable government notifications. For an actual transaction, use the currently applicable guidance value rather than relying on a historical rate.
Source: Government of Karnataka – Department of Stamps and Registration, Annual Report 2023–24.
Show More
Show Less
How can you check Bangalore property guidance value online?
You can check applicable property valuation information through Karnataka's official Kaveri registration services. Use the property's correct location and classification when searching.
Follow these steps:
- Visit the official Kaveri portal.
- Open the available property valuation or guidance-value service.
- Select the relevant district and registration jurisdiction.
- Enter the location and property details requested.
- Select the appropriate property category.
- Review the available valuation information.
- Confirm that the property area and classification are correct.
Contact the relevant Sub-Registrar Office if the details are unclear.
The exact fields depend on the service and property type. For example, the valuation category for an open residential plot should not be used automatically for a completed apartment. Before registration, confirm the currently applicable rate for your property's location and classification.
Show More
Show Less
Is guidance value the same as market value?
Government guidance value, market value, asking price and lender-assessed value represent different measures.
| Valuation type | Meaning | Main use |
| Government guidance value | Official valuation benchmark under Karnataka's registration framework | Registration-related valuation |
| Asking price | Amount requested by a property seller | Initial price comparison |
| Agreed transaction price | Amount accepted by the buyer and seller | Property purchase or sale |
| Lender-assessed value | Value determined through a lender's property assessment | Loan assessment |
Last updated: 24th October, 2026
Suppose a seller asks Rs. 1.20 crore for an apartment in Bangalore. The property's government guidance value might differ from Rs. 1.20 crore. The final transaction price could also change after negotiation. If the owner later offers the property as collateral, the lender assesses its value separately. Therefore, none of these figures automatically determines the others.
How do you calculate property value in Bangalore?
You can estimate a property's base value by multiplying its area by the applicable rate per square foot.
The formula is: Estimated property value = Area in sq. ft. × Rate per sq. ft.
Consider Ananya, aged 36, who is reviewing a 1,200 sq. ft. apartment in Bengaluru. Assume a rate of Rs. 10,000 per sq. ft. for this calculation.
1,200 × Rs. 10,000 = Rs. 1,20,00,000
The estimated base value is Rs. 1.20 crore.
| Calculation detail | Illustrative value |
| Apartment area | 1,200 sq. ft. |
| Assumed rate per sq. ft. | Rs. 10,000 |
| Formula | 1,200 × Rs. 10,000 |
| Estimated base value | Rs. 1,20,00,000 |
| Value in crore | Rs. 1.20 crore |
Last updated: 24th October, 2026
Note: Rs. 10,000 per sq. ft. is an assumed input, not a verified market or guidance rate for a particular Bangalore locality.
The example explains the calculation. It does not establish the amount Ananya should pay. Before calculating an actual property's value, check whether the quoted area is carpet area, built-up area or super built-up area. Also account for applicable registration expenses, taxes and other purchase costs.
How do carpet area and built-up area affect property rates?
The area measurement used in a quotation changes the effective price per square foot. Under the Real Estate (Regulation and Development) Act, 2016, carpet area refers to the net usable floor area of an apartment, subject to the statutory definition. Built-up and super built-up measurements use different area conventions.
Consider an apartment quoted at Rs. 90 lakh. Assume its carpet area is 900 sq. ft. and its super built-up area is 1,200 sq. ft.
| Measurement basis | Illustrative area | Effective price per sq. ft. |
| Carpet area | 900 sq. ft. | Rs. 10,000 |
| Super built-up area | 1,200 sq. ft. | Rs. 7,500 |
Last updated: 24th October, 2026
The total price remains Rs. 90 lakh. The difference arises because the price is divided by two different area measurements. Before comparing apartments, check the measurement used in each quotation. Where applicable, you can verify registered project details through Karnataka RERA.
How are residential and commercial property rates different?
Residential and commercial property rates depend on different valuation factors. Apartments are commonly compared using size, building condition, location and residential facilities. Commercial premises also require consideration of permitted use, occupancy, frontage and rental arrangements.
| Property type | Important valuation factors |
| Residential apartment | Usable area, age, floor, parking and building condition |
| Independent house | Land area, building condition, construction age and access |
| Residential plot | Plot area, permitted use, road access and layout approval |
| Commercial office | Usable area, location, building specifications and occupancy |
| Retail property | Frontage, access, permitted use and commercial activity |
Last updated: 24th October, 2026
A commercial office and a residential flat of the same area do not necessarily have comparable values. Likewise, the asking rate for a vacant plot cannot be treated as the rate for a completed residential unit. Compare properties within the same category and measurement basis.
How can you assess whether a Bangalore property is fairly priced?
You can assess an asking price by comparing similar properties and checking the relevant official records. Consider a buyer comparing three apartments in the same Bengaluru neighbourhood. Each apartment has a quoted price of Rs. 1 crore, but their usable areas and conditions differ.
| Property | Carpet area | Effective price per carpet sq. ft. | Condition |
| Apartment A | 800 sq. ft. | Rs. 12,500 | Ready to occupy |
| Apartment B | 900 sq. ft. | Rs. 11,111 | Requires repairs |
| Apartment C | 1,000 sq. ft. | Rs. 10,000 | Under construction |
Last updated: 24th October, 2026
All three prices are illustrative.
Apartment C has the lowest price per carpet square foot, but the buyer must also consider construction status and possession risk. Apartment B provides more usable area than Apartment A, but repair expenses could affect its total cost. Apartment A offers immediate occupation, although its effective rate is higher. The customer should compare the complete transaction cost, including applicable charges and expected additional expenses. Before paying an advance, also verify the property's ownership records, approvals and applicable guidance value. A lower price per square foot is not enough to establish that a property offers better value.
Can Bangalore property rates affect a loan against property?
Property rates can influence the value considered during loan against property assessment. However, neither an asking price nor a guidance value directly determines the sanctioned amount.
Bajaj Finance separately assesses the applicant, and the property offered as collateral.
| Assessment factor | What Bajaj Finance considers |
| Ownership | Legal ownership and supporting documents |
| Property type | Eligible residential or commercial property |
| Location | Applicable property-location requirements |
| Legal verification | Title, encumbrances and supporting records |
| Technical assessment | Property condition, area and other relevant details |
| Valuation | Property value determined through the applicable assessment |
| Repayment capacity | Income, existing obligations and credit profile |
Last updated: October 2026
Consider Rahul, aged 42, who owns a residential flat in Bengaluru. He earns Rs. 1.60 lakh per month and has a Credit Information Bureau (India) Limited (CIBIL) Score of 760. Rahul estimates his property is worth Rs. 1.50 crore based on available local information. However, that estimate does not establish how much Bajaj Finance will sanction. Suppose Rahul is considering borrowing Rs. 40 lakh at an illustrative annual interest rate of 10% for 10 years.
The standard equated monthly instalment (EMI) formula is: EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]
Where:
- P = Principal loan amount
- R = Monthly interest rate
N = Total number of monthly instalments
For Rahul:
- P = Rs. 40,00,000
- R = 10 ÷ 12 ÷ 100 = 0.008333
- N = 10 × 12 = 120 months
The approximate EMI is Rs. 52,860 per month.
Now compare this with a lower illustrative loan amount of Rs. 30 lakh, keeping the same rate and tenure.
| Loan detail | Scenario A | Scenario B |
| Loan amount | Rs. 40 lakh | Rs. 30 lakh |
| Interest rate | 10% p.a. | 10% p.a. |
| Tenure | 10 years | 10 years |
| Approximate monthly EMI | Rs. 52,860 | Rs. 39,645 |
| Approximate total repayment | Rs. 63.43 lakh | Rs. 47.57 lakh |
| Approximate total interest | Rs. 23.43 lakh | Rs. 17.57 lakh |
Last updated: 24th October, 2026
Note: The rate, amounts and tenures are illustrative. They are not a Bajaj Finance loan offer or a statement of Rahul's eligibility. Borrowing Rs. 10 lakh less would reduce Rahul's monthly EMI by approximately Rs. 13,215 under these assumptions. He should compare the EMI with his take-home income, existing commitments and other expenses before applying.
Bajaj Finance Loan Against Property is subject to eligible property assessment, borrower eligibility and applicable terms. You can review loan against property interest rates and use the loan against property EMI calculator to estimate repayment under different scenarios. If you are considering financing against your Bangalore property, check your loan against property eligibility with Bajaj Finance to explore your borrowing options.
Frequently Asked Questions
Property rates and trends
Guidance value and valuation
Property financing
Are property prices increasing in Bangalore in 2026?
The National Housing Bank reported a 13.1% year-on-year increase in Bengaluru's housing-price index based on lender-assessed values during January–March 2026. This shows growth in the relevant city-level index, not a uniform rise across every neighbourhood. If you are buying a flat, compare properties within the same area and category. The index provides market context, while a property-specific comparison helps you assess the actual asking price.
What is the average property rate per square foot in Bangalore?
There is no single official rate per square foot that applies to every property in Bangalore. The relevant figure depends on the location, property type and measurement basis. NHB publishes housing-price trends, while Karnataka's registration system provides property-specific guidance values. Neither measure automatically establishes a flat's market selling price. Before calculating a property's value, identify its correct category, area measurement and applicable rate.
Which Bangalore localities should I compare before buying?
Compare localities that meet your commuting, budget and property requirements. For example, you can examine Whitefield, Sarjapur Road, Electronic City, Hebbal or Yelahanka based on the type of housing available. Within each area, compare building age, usable space, connectivity and project approvals. Check the total purchase cost instead of relying only on locality names or advertised rates. A lower quoted price may involve additional repair or transaction expenses.
Is Bangalore guidance value the same as market value?
No. Karnataka guidance value is a government-notified benchmark used for property-registration valuation. Market value relates to the price a property can command, while the asking price is what a seller requests. These figures can differ. Before registration, verify the applicable guidance value through the official Kaveri service. To assess a purchase price, compare similar properties and consider their physical condition, area measurement and legal status.
How do I calculate the value of a 1,000 sq. ft. flat?
Multiply the property area by the applicable price per square foot. For example, at an assumed rate of Rs. 9,000 per sq. ft., a 1,000 sq. ft. apartment has an indicative base value of Rs. 90 lakh. This assumed rate is not a verified Bangalore locality rate. Before making a purchase decision, confirm whether the area is carpet, built-up or super built-up area. Include applicable registration expenses and other transaction costs.
Does a higher Bangalore property value mean a larger loan?
Not automatically. Bajaj Finance considers the property valuation alongside ownership, legal and technical checks, income, credit profile and repayment capacity. For example, an owner who estimates a property at Rs. 1.50 crore cannot assume that the same amount will be sanctioned. The lender determines the eligible loan amount after assessment. If you are planning to apply for a loan against property, start your journey by checking your loan eligibility and find out how much you can borrow.
Loan Against Property for different budget
Check your pre-approved offer now
Loan Against Property for Professionals
Find your nearest branch
What do our customers say about us
customers
Play Store rating
reviews
Anita Das
04 March 2026
The loan against property process was smooth and transparent. Interest rates were competitive, and the documentation requirements were minimal. The team provided clear guidance at every step, making the entire experience hassle-free. Highly recommended for quick approvals and reliable support.
Aashish
04 March 2026
The loan disbursal was quick, and the customer support team handled all my queries with patience and clarity. Flexible EMIs made it easy to manage monthly expenses. Overall, a great experience, especially for salaried individuals seeking a loan against property.
Prakash
04 March 2026
I had a great experience transferring my existing loan against property. The process was quick and hassle-free, and I saved significantly with the lower interest rate. The customer service team was supportive throughout. Highly recommended for anyone considering a balance transfer.
Yogesh Singh
04 March 2026
Clear guidance, quick approval, and flexible repayment options made purchasing my new house much easier than expected. The team managed the entire process professionally and ensured smooth coordination at every stage. Overall, a very satisfying experience, and I would recommend their home loan services to others.
Related articles
Watch our videos
Know the tax benefits on your loan against property
What are the documents required for a Loan Against Property?
What are the types of property eligible for Loan Against Property
What is the eligibility criteria for a Loan Against Property
Bajaj Finance app for all your financial needs and goals
Trusted by 50 million+ customers in India, Bajaj Finance App is a one-stop solution for all your financial needs and goals.
You can use the Bajaj Finance App to:
- Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
- Invest in fixed deposits and mutual funds on the app.
- Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
- Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
- Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
- Shop from over 100+ brand partners that offer a diverse range of products and services.
- Use specialised tools like EMI calculators, SIP Calculators
- Check your credit score, download loan statements and even get quick customer support—all on the app.
Download the Bajaj Finance App today and experience the convenience of managing your finances on one app.
Disclaimer
1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.
2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.