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Whitefield Property Cost Calculator

What a quoted flat really costs per carpet sq ft.

Your inputs

Price and areas
₹ 1.50 Cr
if extra
Property type
as quoted
sq ft
RERA
sq ft
Adjust rates and other charges
of price
%
to move in
% of value
% of value
% duty
% duty
% of duty
% of duty

Rates verified 18 Oct 2026 · confirm on Kaveri Online before registering. First-sale slabs apply to flats and apartments only. Surcharge is the Greater Bengaluru Area rate.

Your result

Indicative
Real cost per carpet sq ft
₹ 13,471 / sq ft

Quoted: ₹ 9,375 / sq ft on saleable area.

₹ 1.62 Cr
Total to get the keys
₹ 9,375
Per saleable sq ft
₹ 12,500
Price per carpet sq ft
33.3%
Loading over carpet
With interiors, moving in costs ₹ 1.72 Cr (₹ 14,304 / sq ft of carpet). Deduct 1% TDS (₹ 1.50 L) from the seller’s payment.

Quick answer: A Whitefield flat quoted at ₹ 9,375 per saleable sq ft costs ₹ 13,471 per carpet sq ft once you allow for 33% loading, stamp duty, registration and legal checks. Prices are usually quoted on saleable area; compare flats on carpet area, all-in.

Where the money goes

Updates as you type
Government charges at the rates verified on 18 Oct 2026; builder, legal and interior figures are yours.
ItemAmount
Quoted price₹ 1,50,00,000
Stamp duty, cess, surcharge, registration (7.60%)₹ 11,40,000
GST₹ 0
Car park, club, deposit, corpus₹ 0
Lawyer and brokerage₹ 25,000
Total to get the keys₹ 1,61,65,000
Interiors₹ 10,00,000
Total to move in₹ 1,71,65,000
The same flat, four ways to price a square foot.
Per sq ft₹
Quoted, on saleable area₹ 9,375
Price, on carpet area₹ 12,500
All-in to the keys, on carpet area₹ 13,471
With interiors, on carpet area₹ 14,304

How do you use the Whitefield property cost calculator?

  1. Enter the quoted price, the property type and any car park charge billed on top.
  2. Enter the saleable area from the quote and the carpet area from the RERA agreement for sale.
  3. Read the real cost per carpet sq ft. Add club, deposit, corpus, legal fees, brokerage and interiors under “Adjust rates and other charges”.

How it’s calculated

The calculator adds every charge to the price to give the cost to get the keys, then adds interiors for the move-in cost.

Formulas used by the calculator

1
Stamp duty and registrationGovt charges = Price × Stamp duty % × (1 + Cess 10% + Surcharge 2%) + Registration 2% of price (per ₹ 1,000 or part)
2
GSTGST = Price × 5% (under construction) or 1% (affordable); 0 for ready or resale
3
Cost to get the keysTo keys = Price + Govt charges + GST + Parking + Club + Deposit + Corpus + Legal + Price × Brokerage %
4
Move-in costMove-in = To keys + Interiors
5
Per sq ftCarpet rate = Price ÷ Carpet; All-in = To keys ÷ Carpet; Loading % = (Saleable ÷ Carpet − 1) × 100
6
TDSTDS = Price × 1% when the price is ₹ 50 lakh or more

Sources: Karnataka Stamp Act, 1957, IGR Karnataka registration fee table, GST Council real estate FAQ, Income Tax Department e-filing portal (TDS on property).

Why does the price per sq ft in Whitefield look lower than it is?

Flats in Whitefield, as across Bengaluru, are usually quoted per sq ft of saleable (super built-up) area. That area includes a share of lobbies, lifts, walls and the clubhouse. The RERA Act defines carpet area as the usable floor area inside your walls, and builders must state it in the agreement. Divide the price by carpet area instead and the rate goes up, often by a quarter or more. Then add stamp duty, registration, GST and the charges billed outside the price.

How the figures are worked out

1
LoadingSaleable area ÷ carpet area − 1
2
Total to get the keysPrice + stamp duty, cess, surcharge, registration + GST + builder charges + legal + brokerage
3
Real cost per carpet sq ftTotal to get the keys ÷ carpet area

Worked example: ₹ 1.5 Cr resale flat

A 1,600 sq ft saleable flat at ₹ 1.5 Cr is quoted at ₹ 9,375 per sq ft. The carpet area is 1,200 sq ft, so the loading is 33.3% and the price per carpet sq ft is ₹ 12,500. Government charges add ₹ 11,40,000 and legal checks ₹ 25,000, for ₹ 1,61,65,000 in all: ₹ 13,471 per carpet sq ft.

Worked example: the same flat, under construction

Bought from the builder before completion, the flat adds 5% GST (₹ 7,50,000), plus ₹ 5 L for a car park, ₹ 3 L for the club, a ₹ 1.5 L maintenance deposit and a ₹ 1 L corpus fund. The total to get the keys is ₹ 1,79,65,000, or ₹ 14,971 per carpet sq ft, 19.8% over the quoted price.

How much does loading change the real rate?

Quoted at ₹ 9,375 per saleable sq ft, resale, ₹ 25,000 legal, no builder charges.
Carpet sq ftSaleable sq ftLoading₹ per carpet sq ftAll-in per carpet sq ft
1,2001,3008.3%₹ 10,156₹ 10,949
1,2001,45020.8%₹ 11,328₹ 12,210
1,2001,60033.3%₹ 12,500₹ 13,471
1,2001,75045.8%₹ 13,672₹ 14,732

What stamp duty and registration apply?

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 book?

Frequently asked questions

Carpet area is the usable floor area inside your flat’s walls, as defined in the RERA Act and stated in the agreement for sale. Saleable or super built-up area adds a share of walls, lobbies, lifts, staircases and amenities. Prices are often quoted on saleable area, which makes the rate look lower.

Loading varies by project and is not fixed by law. Smaller buildings with fewer amenities tend to load less than large gated projects with clubhouses. Rather than rely on a typical figure, compare flats on price per carpet sq ft, which this calculator works out from the two areas you enter.

Stamp duty, cess, surcharge and registration, about 7.6% for most purchases. GST of 5% on an under-construction flat, or 1% if it is affordable. Then car park, club membership, maintenance deposit, corpus fund, legal checks and any brokerage. Interiors come after you get the keys.

No. GST applies when you buy an under-construction flat from the builder, at 5% or 1% for affordable homes. A resale flat, or a new flat sold after its occupancy certificate, carries no GST. Indicative only. Please verify with your Chartered Accountant before acting.

Yes. Two flats quoted at the same rate per saleable sq ft can differ a lot on carpet area, so the one with lower loading gives you more usable space for the money. Use the real cost per carpet sq ft to compare, and check the carpet area in the RERA filing.

The 2% surcharge on stamp duty applies to property in the Greater Bengaluru Area. It is included by default. If the property you are buying falls outside it, set the surcharge to 0 under “Adjust rates and other charges”, and confirm the charges on Kaveri Online before registering.

Evaluated Whitefield Property Dossiers

Sources

Indicative figures from the numbers you enter, not a quote. For GST and TDS, indicative only. Please verify with your Chartered Accountant before acting. For title, approvals and the agreement for sale, please consult a property lawyer before acting.

Looking at flats in Whitefield? Talk to an acre&key advisor about the cost sheet.

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