MoDT Charges in Karnataka: Check Fees and Charges 2026

MoDT charges are one of the less-understood upfront costs in a Karnataka home loan — and because there is no cap in this state, the amount can be substantial for larger loans. Understanding exactly how it is calculated, how to pay it through the Khajane 2 portal, and the common mistakes that cause delays helps you budget accurately and avoid registration complications.

This page covers:

• What MODT charges are in Karnataka
• Components of MODT charges — stamp duty, registration fee, scanning charges
• How to calculate MODT charges with a worked example
• The MoDT registration process step-by-step
• Documents required for registration
• How to pay via the Khajane 2 portal
• Common mistakes to avoid during registration
• Key deadlines and penalties

MODT charges in Karnataka refer to the costs involved in registering your property documents with the lender when you take a home loan. MODT stands for Memorandum of Deposit of Title Deeds — a legal process that allows the lender to keep your property papers as security until the loan is fully repaid.
During this process, you submit your original title deeds to the bank or financial institution. This creates what is known as an equitable mortgage. While ownership remains with you, the lender has a legal claim over the property until the loan obligations are met.

In Karnataka, the lender usually takes responsibility for completing the MODT registration with the local sub-registrar office, following the rules set by the state registration authorities. Once the loan is fully repaid, the bank issues a No Objection Certificate (NOC) and returns your original documents, formally ending the MODT arrangement.

For a home loan of Rs. 90 lakh:

• Stamp duty (0.5%): Rs. 90,00,000 × 0.005 = Rs. 45,000
• Registration fee (0.1%): Rs. 90,00,000 × 0.001 = Rs. 9,000
• Scanning charges (7 pages × Rs. 35): Rs. 245
• Total MODT charges: Rs. 54,245
   

Since Karnataka imposes no upper limit on MODT charges, larger loan amounts result in proportionally higher fees — worth factoring into your budget when planning a high-value property purchase using a home loan.

1. Preparation of documents: Gather all necessary documents — original documents to be registered, identity proofs, and proof of property ownership
2. Payment of fees: Pay the applicable MoDT charges online through the Khajane 2 portal or at designated bank branches
3. Submission of documents: Submit the completed documents, including the MoDT form, to the local sub-registrar office
4. Verification process: The sub-registrar verifies documents and the payment receipt
5. Document registration: Once verified, the documents are officially registered — you receive a registration number and receipt
6. Collecting registered documents: Collect the registered documents from the sub-registrar's office

• Property documents (original and copies of sale deeds, lease agreements, or mortgage deeds)
• Identity proof for all parties (Aadhaar, passport, or driving licence)
• Address proof for all parties
• Proof of property ownership (previous sale deeds or property tax receipts)
• Payment receipt for MoDT charges
• PAN card of all parties involved

1. Visit the Khajane 2 portal website
2. Log in or register for a new account
3. Navigate to the MoDT payment section and select ‘generate challan’
4. Enter transaction details — property value, document type, and personal information
5. Generate and review the challan
6. Print the generated challan with payment reference number
7. Complete payment through the portal or at a designated bank branch

• Errors in documentation: Always verify that property details, borrower and lender names, and title deed information exactly match official records.
• Delays in obtaining NOC: After loan closure, apply for the NOC promptly and follow up regularly.
• Missing the registration timeline: MODT registration must be completed within four months of loan execution — an extension of up to four more months may be granted by the District Registrar; registration becomes invalid after eight months.
• Skipping due diligence: Verify clear ownership, no existing loans, and no legal disputes before registration.
• Incorrect fee payment: Calculate stamp duty and registration fees accurately using the approved payment method.
• Choosing the wrong Sub-Registrar office: MODT must be registered at the sub-registrar office that has jurisdiction over the property's location.

Understanding the total cost of your home loan, including MODT charges, helps you budget effectively. Bajaj Finance offers loans up to Rs. 15 Crore* with flexible repayment tenures of up to 32 years, making it easier to manage your monthly outflows alongside one-time registration costs. Review home loan fees and charges comprehensively before finalising your property purchase budget.

Bajaj Finance offers competitive interest rates starting at 7.25% p.a.* with a documentation process simplified through doorstep document pick-up services and approval within 48 Hours*. Check your home loan eligibility today.

MODT registration in Karnataka involves stamp duty at 0.5%, a registration fee of 0.1%, and applicable scanning charges — with no upper cap, making accurate calculation essential for larger loans. Accurate documentation, timely submission, and correct fee payment help avoid penalties and delays.