Stamp Duty & Registration Charges in Bangalore (2026)
By Property Point Advisory·Updated September 2026
In short
In Bangalore (Karnataka), stamp duty is around 5% (3% for properties ₹21–45 lakh, 2% below ₹20 lakh), plus ~1% registration and cess/surcharge, and registration is 1% of the guidance (sub-registrar) value. Budget roughly 6–11% of the property value on top of the price for these statutory charges, and pay them at registration through Kaveri Online Services.
What you pay, and to whom
Stamp duty and registration are state charges, not the builder's. For Bangalore, expect stamp duty of around 5% (3% for properties ₹21–45 lakh, 2% below ₹20 lakh), plus ~1% registration and cess/surcharge, with registration at 1% of the guidance (sub-registrar) value. These are calculated on the higher of the agreement value or the government guidance/circle value, so a below-guidance "deal" still gets taxed at guidance.
Registration is completed at the sub-registrar's office and increasingly initiated online via Kaveri Online Services (https://kaverionline.karnataka.gov.in).
The all-in cost, beyond the sticker price
- Base price + floor-rise / preferred-location charges (PLC)
- GST — 5% on under-construction homes (1% for affordable); nil on ready/OC-received homes
- Stamp duty & registration (Karnataka)
- Legal, documentation and franking
- Society/maintenance corpus, parking, clubhouse and khata/mutation fees
A Bangalore-specific note
Verify FAR/plan sanction and Cauvery water — a recurring pain point in East Bengaluru micro-markets.
Good to know
Questions buyers ask
How much is stamp duty in Bangalore?
Approximately around 5% (3% for properties ₹21–45 lakh, 2% below ₹20 lakh), plus ~1% registration and cess/surcharge, plus registration of 1% of the guidance (sub-registrar) value. Always confirm the current rate on Kaveri Online Services before you register, as slabs and cess change.
Is stamp duty included in a home loan?
Usually not — most lenders fund only the property price. Keep stamp duty, registration and GST as ready cash.
Is stamp duty charged on guidance value or agreement value?
On whichever is higher. Paying below guidance value doesn't reduce the duty.
Can women get a stamp-duty concession?
Some states offer a small concession for female owners; check the current notification for Karnataka.
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