How do you use the stamp duty calculator?
- Enter the sale price from your agreement and, if you know it, the guidance value from Kaveri Online.
- Pick the property type. A first sale of a new flat up to ₹ 45 lakh gets a lower stamp duty; everything else pays 5%.
- Read the total, split into stamp duty, cess, surcharge and the registration fee. Rates can be changed under “Adjust rates and other fees”.
How Karnataka calculates stamp duty and registration
Stamp duty and the registration fee are set by the Karnataka Stamp Act, 1957 and the Registration Act, 1908. In Bengaluru they are worked out in four layers on the value of the property.
The four steps
Value = higher of the sale price and the Kaveri guidance valueDuty = value × 5% (first sale of a flat: 2% up to ₹ 20 L, 3% up to ₹ 45 L)Cess = 10% of duty; surcharge = 2% of duty in Greater Bengaluru, so 5% becomes 5.6%Fee = ₹ 20 per ₹ 1,000 or part = 2% (from 31 August 2025)On a resale flat or a new flat above ₹ 45 lakh, that adds up to 7.6% of the value: 5.6% stamp duty and 2% registration.
Rates by property type
| Property | Stamp duty | With cess and surcharge | Registration | Total |
|---|---|---|---|---|
| First sale of a flat, up to ₹ 20 L | 2% | 2.24% | 2% | 4.24% |
| First sale of a flat, ₹ 20–45 L | 3% | 3.36% | 2% | 5.36% |
| Resale, plot, house, or flat above ₹ 45 L | 5% | 5.6% | 2% | 7.6% |
A new flat at ₹ 18 lakh pays ₹ 76,320 in all; one at ₹ 40 lakh pays ₹ 2,14,400.
What you pay at common Bengaluru budgets
| Price | Stamp duty (5.6%) | Registration (2%) | Total charges | Price plus charges |
|---|---|---|---|---|
| ₹ 50 L | ₹ 2,80,000 | ₹ 1,00,000 | ₹ 3,80,000 | ₹ 53.80 L |
| ₹ 75 L | ₹ 4,20,000 | ₹ 1,50,000 | ₹ 5,70,000 | ₹ 80.70 L |
| ₹ 1 Cr | ₹ 5,60,000 | ₹ 2,00,000 | ₹ 7,60,000 | ₹ 1.08 Cr |
| ₹ 1.50 Cr | ₹ 8,40,000 | ₹ 3,00,000 | ₹ 11,40,000 | ₹ 1.61 Cr |
| ₹ 2 Cr | ₹ 11,20,000 | ₹ 4,00,000 | ₹ 15,20,000 | ₹ 2.15 Cr |
| ₹ 3 Cr | ₹ 16,80,000 | ₹ 6,00,000 | ₹ 22,80,000 | ₹ 3.23 Cr |
Guidance value or sale price?
The Department of Stamps and Registration publishes a guidance value for every survey number and apartment complex on Kaveri Online. You pay on whichever is higher: your agreed price or the guidance value. If you agree ₹ 1.2 crore but the guidance value is ₹ 1.25 crore, the charges are ₹ 9,50,000 on ₹ 1.25 crore. If you agree ₹ 1.5 crore and the guidance value is ₹ 1.2 crore, you pay on ₹ 1.5 crore. Have your lawyer check the guidance value before you fix the price.
Is stamp duty lower for female buyers in Karnataka?
No. The Karnataka rates are the same for every buyer, man or woman, buying alone or jointly: 5.6% stamp duty and the 2% registration fee. Rates you may have read for other states do not apply to a Bengaluru sale deed.
Other costs at the Sub-Registrar Office
- Scanning: about ₹ 300 to ₹ 500, charged per page of the deed.
- E-stamping: Stock Holding Corporation of India (SHCIL) charges about ₹ 500 to ₹ 1,000 for the e-stamp certificate.
- Lawyer: ₹ 25,000 to ₹ 50,000 to check 30 years of encumbrance certificates and parent deeds and draft the sale deed.
- Khata transfer: ₹ 1,000 to ₹ 3,000 to move the e-Khata into your name.
Add any of these you already know under “Other fees you already know”.
Tax deduction on stamp duty
Stamp duty and the registration fee on a new home count towards the ₹ 1.5 lakh yearly limit that also covers EPF, PPF, ELSS and home loan principal. You can claim them only in the year you pay them, and only under the old tax regime. From 1 April 2026 this deduction sits in section 123 of the Income-tax Act, 2025 (it was section 80C). Please verify with your Chartered Accountant before acting.
Frequently asked questions
Related answers and guides
- Rental Agreement Karnataka: Stamp Duty, Registration, Police
- Karnataka Digital e-Stamp: Pay Duty Online
- Stamp Duty and Registration Charges in Bangalore 2026
- Stamp Duty Calculator Karnataka (2026): Rates and Examples
Sources
- Reserve Bank of India, Master Direction on housing loans: LTV caps of 90% (loan up to ₹ 30 lakh), 80% (₹ 30–75 lakh) and 75% (above ₹ 75 lakh); stamp duty and registration excluded from the property cost.
- Karnataka Stamp Act, 1957 and IGR Karnataka: stamp duty 5%, cess 10% of duty, Greater Bengaluru surcharge 2% of duty; registration fee 2% from 31 August 2025. Verified 18 Oct 2026.
- Standard reducing-balance EMI. The default rate of 8.5% and other inputs are editable assumptions, not offers. Checked 19 Oct 2026.
Indicative only. Check the exact figures with your lender. Please verify any tax figure with your Chartered Accountant before acting. Have a property lawyer check the title and the guidance value before you register.
Buying a home in Bengaluru? Talk to an acre&key advisor.