Stamp Duty & Registration Charges in Bangalore vs Gurgaon (2026)
The hidden cost every buyer underestimates. Here are the exact 2026 stamp duty and registration charges in Bangalore and Gurgaon — and how much to budget on top of the flat price.
Almost every first-time buyer underestimates the same thing: the flat price is not the final price. Stamp duty, registration and (for under-construction homes) GST add a meaningful chunk on top. Here's exactly what to budget in Bangalore and Gurgaon in 2026.
Bangalore (Karnataka)
Karnataka charges stamp duty on a slab basis: 2% below ₹20 lakh, 3% for ₹20–45 lakh, and 5% above ₹45 lakh — plus cess and surcharge on the duty. Note that Karnataka doubled its registration fee from 1% to 2% effective 31 August 2025.
Net effect: the total statutory cost of registering a property in Bangalore can now reach roughly 7.5%–7.6% of the property value once cess and surcharges are included. Rates are gender-neutral in Karnataka.
Gurgaon (Haryana)
Haryana's stamp duty depends on location and buyer gender. Within municipal (urban) limits it's 7% for men, 5% for women and 6% for joint (male + female) ownership; outside municipal limits it's 5% / 3% / 4% respectively. Registration is charged on a slab-based fee table (capped at the top slab) rather than a flat percentage.
The women's rebate is a genuine saving — registering in a woman's name (or jointly) can cut the stamp duty by up to 2 percentage points.
How much to budget on top of the flat price
- Bangalore: budget ~7.5% of the property value for stamp duty + registration.
- Gurgaon (urban): ~5–7% depending on ownership gender, plus slab-based registration.
- Under-construction homes: add 5% GST (1% for affordable housing) — ready-to-move homes have no GST.
- Keep a further 1–2% for legal, documentation and incidental costs.
Frequently asked questions
What is the stamp duty and registration charge in Bangalore in 2026?
Karnataka charges stamp duty of 2% (below ₹20 lakh), 3% (₹20–45 lakh) or 5% (above ₹45 lakh) plus cess and surcharge, and registration is 2% (doubled from 1% on 31 August 2025). The total statutory cost reaches roughly 7.5%–7.6% of the property value.
What is the stamp duty in Gurgaon, Haryana?
Within municipal limits, Haryana stamp duty is 7% for men, 5% for women and 6% for joint ownership; outside municipal limits it's 5% / 3% / 4%. Registration is charged on a slab-based fee table.
How much extra should I budget beyond the flat price?
Budget around 7.5% in Bangalore and roughly 5–7% in urban Gurgaon for stamp duty and registration, plus 5% GST on under-construction homes (1% for affordable housing) and 1–2% for legal and incidental costs.
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