How do you use the Bengaluru property buying cost calculator?
- Enter the price and your down payment, and pick the property type. The type decides the stamp duty slab and whether GST applies.
- Add any brokerage and builder charges quoted outside the price (car park, club, deposits, corpus). Your lawyer’s fee (₹ 25,000 by default) and other costs sit under “Adjust rates, loan and other costs”.
- Read the total cost to buy and the cash you need before the loan pays out. The same toggle lets you change the rates or the loan terms.
What does a property in Bengaluru really cost?
On top of the price you pay stamp duty, cess and surcharge on the duty, and a registration fee. For most purchases these come to 7.6% of the value. The first sale of a flat pays a lower stamp duty up to ₹ 45 L. An under-construction flat bought from the builder also carries GST, usually 5%, or 1% for an affordable home. Then come the costs that depend on the deal: brokerage, legal checks and builder charges billed separately.
How the total is worked out
Stamp duty + 10% cess + 2% surcharge on the duty + 2% registrationPrice × 5% (under construction) or 1% (affordable); 0 otherwisePrice + steps 1 and 2 + lawyer + brokerage + builder charges + otherTotal cost − home loan (within RBI limits)Worked example: ₹ 1 Cr resale flat
Stamp duty is ₹ 5,00,000, cess ₹ 50,000, surcharge ₹ 10,000 and registration ₹ 2,00,000: ₹ 7,60,000 in all. With ₹ 25,000 for legal checks the total is ₹ 1,07,85,000. A 75% loan of ₹ 75,00,000 leaves ₹ 32,85,000 to pay from savings.
Worked example: ₹ 90 L flat under construction
Government charges are ₹ 6,84,000, GST at 5% adds ₹ 4,50,000, and the builder bills ₹ 5 L for a car park and club outside the price. With legal checks the total is ₹ 1,06,59,000, 18.4% over the price. You need ₹ 39,09,000 in cash.
Worked example: ₹ 45 L new ready flat
As a first sale up to ₹ 45 L, the flat pays 3% stamp duty, so government charges are ₹ 2,41,200 instead of ₹ 3.42 L at the standard rate. With legal checks the total is ₹ 47,66,200; with 20% down you need ₹ 11,66,200.
How much over the price should you budget?
| Price | Resale | New, ready | Under construction |
|---|---|---|---|
| ₹ 30.00 L | ₹ 2,28,000 | ₹ 1,60,800 | ₹ 3,10,800 |
| ₹ 45.00 L | ₹ 3,42,000 | ₹ 2,41,200 | ₹ 4,66,200 |
| ₹ 75.00 L | ₹ 5,70,000 | ₹ 5,70,000 | ₹ 9,45,000 |
| ₹ 1.00 Cr | ₹ 7,60,000 | ₹ 7,60,000 | ₹ 12,60,000 |
| ₹ 2.00 Cr | ₹ 15,20,000 | ₹ 15,20,000 | ₹ 25,20,000 |
What stamp duty and registration apply in Bengaluru?
On a sale deed in Bengaluru, Karnataka charges 5% stamp duty on the market value (Karnataka Stamp Act, Schedule Art. 20(1)), a 10% cess on the duty (s.3B) and, inside the Greater Bengaluru Area, a 2% surcharge on the duty (Greater Bengaluru Governance Act 2024, s.170). The registration fee is 2% (IGR notification of 29 Aug 2025, in force from 31 Aug 2025). Together that is 7.6% of the value. The first sale of a flat pays less duty: 2% up to ₹ 20 L and 3% above ₹ 20 L up to ₹ 45 L, so the total is 4.24% or 5.36%. Resale flats, plots and houses pay 5% at any price. Rates verified 18 Oct 2026 · confirm on Kaveri Online before registering.
What should you check before you pay?
- Ask the builder for every charge outside the price in writing: car park, club, maintenance deposit, corpus fund, electricity and water connection.
- Have a property lawyer check the title, encumbrance certificate and approvals. See the property risk assessment.
- Confirm the stamp duty and registration on Kaveri Online before registering.
Frequently asked questions
Related answers and guides
- Floor-Rise and PLC Charges Under RERA
- Inherited Property Sale Documents for a Bengaluru Flat
- Stamp Duty and Registration Charges in Bangalore 2026
- Stamp Duty Calculator Karnataka (2026): Rates and Examples
Sources
- RBI loan-to-value limits: RBI Master Circular on housing finance.
- Stamp duty 5% (Schedule Art. 20(1)), first-sale flat slabs (Art. 20(2A)) and 10% cess (s.3B): Karnataka Stamp Act 1957, consolidated copy (DPAL); ₹ 35–45 L slab: Karnataka Stamp (Amendment) Act 2021.
- 2% surcharge on duty in the Greater Bengaluru Area: Greater Bengaluru Governance Act 2024, s.170.
- Registration fee 2%: IGR Karnataka, Table of Registration Fees (Notification RD/46/MNMU/2025) and IGR press note, 29 Aug 2025.
- Rates verified 18 Oct 2026 · confirm on Kaveri Online before registering.
- GST 5% / 1%: CBIC real estate FAQ.
- TDS on property: Income-tax Act, section 194-IA (1% on consideration of ₹ 50 L or more).
- Legal, brokerage, builder and other costs: your inputs.
Indicative figures from the numbers you enter, not a quote. For GST and TDS questions, indicative only. Please verify with your Chartered Accountant before acting. For title and documents, please consult a property lawyer before acting.
Buying in Bengaluru and want the full cost sheet checked? Talk to an acre&key advisor.