Stamp Duty & Registration Charges in Bangalore 2026 | Keyscape

What is Stamp Duty?

Stamp duty is a government tax paid when you register a property in your name. It is calculated as a percentage of the property's market value or agreement value — whichever is higher. In Karnataka, stamp duty is collected by the state government and is mandatory for legal ownership transfer.

Registration charges are a separate fee paid to the Sub-Registrar's Office for officially recording the sale in government records.

Both must be paid before possession. Without registration, you have no legal ownership — regardless of what you paid the builder.

Stamp Duty Rates in Bangalore 2026

Property Value	Stamp Duty	Registration Charge	Total
Below ₹20 lakhs	2%	1%	3%
₹20L – ₹45 lakhs	3%	1%	4%
Above ₹45 lakhs	5%	1%	6%

These are Karnataka government rates effective for 2026. Always verify with your lawyer as rates can change with the state budget.

Real Calculation Examples

Example 1: ₹75 Lakh Apartment in Whitefield

Property value: ₹75,00,000
Stamp duty (5%): ₹3,75,000
Registration (1%): ₹75,000
Total payable: ₹4,50,000

Example 2: ₹45 Lakh Flat in Electronic City

Property value: ₹45,00,000
Stamp duty (3%): ₹1,35,000
Registration (1%): ₹45,000
Total payable: ₹1,80,000

Example 3: ₹1.2 Crore Villa in Sarjapur Road

Property value: ₹1,20,00,000
Stamp duty (5%): ₹6,00,000
Registration (1%): ₹1,20,000
Total payable: ₹7,20,000

Female Buyer Concession

Karnataka offers a 1% stamp duty concession for female buyers on properties registered in a woman's name (sole owner or first owner in joint registration).

Buyer Type	Stamp Duty	Registration	Total
Male buyer (above ₹45L)	5%	1%	6%
Female buyer (above ₹45L)	4%	1%	5%

Tip: If buying jointly, register the property in the wife's name first to save 1% stamp duty. On a ₹1 crore property, this saves ₹1 lakh.

What is Guidance Value?

The Karnataka government sets a minimum "guidance value" (also called circle rate) for every area. Stamp duty is calculated on the higher of the guidance value or the actual agreement value.

So even if you negotiate a lower price with the builder, if guidance value is higher, you pay stamp duty on the guidance value.

Example: If you buy a flat for ₹70L but the guidance value is ₹80L, stamp duty is calculated on ₹80L.

Check guidance values at: igr.karnataka.gov.in

How to Pay Stamp Duty in Bangalore

Option 1: Franking

Go to a licensed franking centre (banks, post offices)
Pay the amount and get the sale deed franked

Option 2: e-Stamp (Recommended)

Visit igr.karnataka.gov.in
Generate e-stamp certificate online
Faster and more convenient

Option 3: Stamp Paper

Purchase non-judicial stamp paper of required value
Less common now — e-stamp is preferred

Registration Process Step by Step

Prepare sale deed — drafted by a lawyer, reviewed by both buyer and seller
Pay stamp duty — via e-stamp or franking
Book appointment — at Sub-Registrar's Office (SRO) via kaveri.karnataka.gov.in
Visit SRO — buyer, seller, and two witnesses present with originals
Biometric verification — thumbprint and photo taken
Document registered — you receive acknowledgement slip
Collect registered document — typically within 3–7 working days

Documents needed at SRO:

Sale deed (original + 2 copies)
e-Stamp certificate
PAN card (buyer + seller)
Aadhaar card (buyer + seller)
Passport photos (buyer + seller)
Two witnesses with ID proof

Under-Construction Property — When to Pay?

For under-construction properties, stamp duty is paid at the time of registration of the sale agreement, not at possession.

Many builders register a sale agreement early in the project. You pay stamp duty then — on the full value as per the agreement.

Common Mistakes to Avoid

1. Undervaluing in sale deed to save stamp duty This is illegal and can result in penalties, property disputes, and trouble during resale. Always declare the actual transaction value.

2. Not checking guidance value before buying If guidance value is higher than your agreed price, you still pay stamp duty on guidance value. Factor this into your budget.

3. Delaying registration Some buyers delay registration to avoid the immediate cash outflow. This is risky — without registered documents, your ownership has no legal standing.

4. Ignoring additional charges Apart from stamp duty and registration, budget for: advocate fees (₹5,000–20,000), franking charges, and document preparation charges.

Total Budget You Need Beyond Property Price

For a ₹75 lakh property in Bangalore:

Item	Approx Cost
Down payment (20%)	₹15,00,000
Stamp duty (5%)	₹3,75,000
Registration (1%)	₹75,000
Advocate / legal fees	₹15,000
Home loan processing fee	₹15,000–25,000
Interior / moving	₹2,00,000+
Total needed upfront	~₹22,00,000+

FAQ

What is the stamp duty for property in Bangalore in 2026?

Stamp duty in Bangalore (Karnataka) is 5% for properties above ₹45 lakhs, 3% for properties between ₹20–45 lakhs, and 2% for properties below ₹20 lakhs. Registration charges are 1% across all slabs. Total outgo is typically 6% for most Bangalore property purchases.

Is stamp duty different for female buyers in Bangalore?

Yes. Female buyers get a 1% stamp duty concession in Karnataka. So for a property above ₹45 lakhs, a female buyer pays 4% stamp duty instead of 5%, bringing total stamp duty + registration to 5% instead of 6%.

When should stamp duty be paid in Bangalore?

Stamp duty must be paid at the time of property registration at the Sub-Registrar's Office. For under-construction properties, it is paid when the sale agreement is registered — which is typically done soon after booking.

Can stamp duty be included in a home loan?

Most banks do not finance stamp duty and registration charges — these must be paid from your own funds. Some lenders offer top-up loans that can be used for this purpose, but it is not standard. Always budget stamp duty as an out-of-pocket expense.

What happens if I don't pay stamp duty?

An unregistered or understamped property document is not legally valid as evidence of ownership. It can lead to disputes, inability to sell or mortgage the property, and penalties of up to 10x the deficient stamp duty amount.

Stamp Duty and Registration Charges in Bangalore 2026: Complete Guide