Stamp duty in Karnataka (2026)

Current stamp duty and registration charges in Karnataka, with a calculator. On a ₹60 lakh home, the total comes to about ₹4,56,000 at the standard rate.

State

Buyer / area5% stamp duty plus 10% cess and 2% surcharge charged on the duty amount.

Property value (₹)

₹60.00 L

Use the agreement value or the circle rate / guideline value, whichever is higher.

Stamp duty + registration in Karnataka₹4,56,000

Stamp duty: ₹3,36,000
Registration fee: ₹1,20,000
Effective rate: 7.60%

Raised from 1% to 2% for documents registered on or after 31 August 2025.

Indicative. Confirm the final amount with the sub-registrar or the state's e-stamp portal before paying.

Stamp duty rates in Karnataka

Buyer / area	Stamp duty	Notes
All buyers, urban (above ₹45 lakh, or any resale)	5.6%	5% stamp duty plus 10% cess and 2% surcharge charged on the duty amount.
All buyers, rural (above ₹45 lakh, or any resale)	5.65%	5% plus 10% cess and 3% surcharge on the duty amount.
New flat, first registration, up to ₹20 lakh (urban)	2.24%	2% duty plus cess and surcharge. Applies only to the first sale of an apartment.
New flat, first registration, ₹20 lakh to ₹45 lakh (urban)	3.36%	3% duty plus cess and surcharge. Applies only to the first sale of an apartment.

Registration fee: Raised from 1% to 2% for documents registered on or after 31 August 2025.

Charged on: Higher of the agreement value or the guidance value notified by the Central Valuation Committee.

Latest change: 31 August 2025: registration fee doubled from 1% to 2% of property value under a notification dated 29 August 2025, the first revision since 2003. Stamp duty was unchanged.

Sources: Department of Stamps and Registration, Karnataka · Kaveri Online Services (registration and payment) · Deccan Herald: Property deals to cost more, registration fee hiked to 2%

Stamp duty in other states

Stamp duty in Uttar Pradesh Stamp duty in Haryana Stamp duty in Delhi Stamp duty in Maharashtra Stamp duty in Telangana Stamp duty in Tamil Nadu Stamp duty in West Bengal Stamp duty in Kerala Stamp duty in Punjab Stamp duty in Gujarat Stamp duty in Rajasthan Stamp duty in Uttarakhand Stamp duty in Madhya Pradesh Stamp duty in Andhra Pradesh

How stamp duty works in Karnataka

Karnataka's headline stamp duty is 5%, but the amount a Bengaluru buyer actually pays is a little higher. A cess of 10% and a surcharge of 2% (3% in rural areas) are charged on the duty itself, which brings the effective rate to 5.6% in cities. The value used is the higher of the agreement price or the guidance value for that survey number or apartment complex. There is no concession for women.

Two changes shape the bill today. First, new apartments sold for the first time get lower rates: 2% up to ₹20 lakh and 3% between ₹20 lakh and ₹45 lakh. Resale flats, plots and independent houses pay the full 5% whatever the price. Second, the registration fee doubled from 1% to 2% on 31 August 2025, and it applies to all property with no cap. Buyers who had already submitted documents but not completed registration were charged the new rate.

On a ₹60 lakh resale flat in Bengaluru, stamp duty is ₹3,00,000. The 10% cess adds ₹30,000 and the 2% surcharge adds ₹6,000, for total duty of ₹3,36,000. The registration fee is ₹1,20,000. The buyer therefore pays ₹4,56,000, or 7.6% of the price. A new flat at the same price gets no concession because it is above ₹45 lakh.

Everything is handled through Kaveri 2.0, the department's online system. Buyers fill in the deed details, pay duty and fee online through the portal's payment gateway, and book a slot at the sub-registrar office. E-stamp paper from authorised SHCIL centres is still used for some agreements. A practical tip: guidance values in Bengaluru were revised in 2023 and are due for revision again. Check the current guidance value for the exact building on Kaveri before agreeing a price, because in several older localities it is close to or above market rates.