Stamp Duty Calculator Karnataka 2026

Rates verified October 2026

Calculate property registration charges, stamp duty rates, and total cost for buying property in Karnataka. Updated for 2026.

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Karnataka Stamp Duty Rates 2026

Category	Stamp Duty Rate	SD Surcharge (12% / 13%)	Registration Charge	Total Cost
First sale of flat: up to Rs 20,00,000	2%	0.24% / 0.26%	2%	4.24% / 4.26%
First sale of flat: Rs 20,00,001 – Rs 45,00,000	3%	0.36% / 0.39%	2%	5.36% / 5.39%
All other sales, resale, land, commercial, or flat above Rs 45,00,000	5%	0.60% / 0.65%	2%	7.60% / 7.65%

The 2% and 3% slabs apply only to the first sale of a flat/apartment up to Rs 45 lakh. Ordinary conveyances, resales, land, and commercial property pay 5%. A surcharge of 12% (urban) or 13% (rural) applies on the stamp duty amount. Registration is 2% from 31 August 2025. No gender concession.

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Overview of Real Estate in Karnataka

Karnataka has one of India's most dynamic real estate markets, led by Bengaluru, the country's IT capital and one of the fastest-growing metropolitan cities in the world. Bengaluru's real estate market is characterised by high demand, significant price appreciation, and a thriving commercial office sector that absorbs millions of square feet annually. The city's real estate landscape spans from ultra-luxury villas in locations like Sadashivanagar and Koramangala to affordable apartments in emerging areas like Sarjapur Road, Devanahalli, and North Bengaluru.

Bengaluru is divided into several micro markets each with distinct characteristics. East Bengaluru (Whitefield, Brookfield, Hoodi) is a major IT corridor with high demand from tech professionals. South Bengaluru (JP Nagar, BTM Layout, Electronic City) offers a mix of residential and commercial properties. North Bengaluru (Yelahanka, Hebbal, Yeshwanthpur) has emerged as a growth corridor driven by the Kempegowda International Airport and the development of new business parks. West Bengaluru (Rajajinagar, Vijayanagar, Kengeri) offers relatively affordable options with good social infrastructure.

Beyond Bengaluru, other important real estate markets in Karnataka include Mysuru (a cultural and IT hub), Mangaluru (a coastal commercial centre), Hubballi-Dharwad (twin cities in North Karnataka), Belagavi, and Udupi. The Karnataka government has announced several infrastructure projects including the Bengaluru Metro expansion, the Bengaluru Suburban Railway, and the development of new industrial corridors that are expected to boost real estate activity across the state.

How Stamp Duty is Calculated in Karnataka

Stamp duty in Karnataka is calculated on the higher of the transaction value or the ready reckoner rate (guidance value) as determined by the state government's stamp duty department. The standard conveyance rate is 5%. The lower 2% and 3% slabs apply only to the first sale of a flat/apartment up to Rs 45 lakh; resales, land, commercial property, and ordinary conveyances pay 5%. There is no gender-based concession in the state.

Additionally, Karnataka levies a stamp duty surcharge of 12% of the stamp duty amount in urban areas and 13% in rural areas. On the 5% slab, this adds 0.60% (urban) or 0.65% (rural) to the effective rate. Registration charges are 2% of the property value from 31 August 2025, with no upper cap. The total cost is the stamp duty plus surcharge plus 2% registration.

The guidance values in Karnataka are determined by the Department of Stamps and Registration and are revised periodically. These values vary significantly across different localities within Bengaluru. For instance, prime localities like Sadashivanagar, Malleswaram, and Indiranagar have high guidance values, while peripheral areas have relatively lower values. The guidance value serves as the floor for property valuation, and transactions below this value attract scrutiny from the department.

Property Registration Process in Karnataka

The registration process in Karnataka is managed through the Kaveri Online Services portal. Here are the steps:

Step 1: Prepare the sale deed and get it drafted by a registered document writer. Upload the draft deed on the Kaveri portal for approval.
Step 2: Pay stamp duty online through the Kaveri portal. E-stamping is integrated into the system and payment can be made via net banking, debit card, or credit card.
Step 3: Book an appointment at the Sub-Registrar office through the Kaveri portal. The system provides available date and time slots.
Step 4: Visit the Sub-Registrar office on the scheduled date. Both parties must be present with original documents and two witnesses. Biometric data and photographs are captured.
Step 5: The Sub-Registrar verifies the deed and supporting documents. After verification, the deed is registered and the registered document is made available on the Kaveri portal.

Documents Required

Sale deed printed on e-stamp paper (generated from Kaveri portal)
Previous title documents (chain of ownership for 13 years minimum)
Encumbrance certificate (Form 15E)
Property tax paid receipts and latest tax paid certificate
Khata certificate and Khata extract from BBMP or municipal authority
Aadhaar card and PAN card
Passport-size photographs
Two witnesses with valid ID proof
NOC from the apartment association (if applicable)

FAQs

No, Karnataka does not offer any gender-based concession on stamp duty. The standard conveyance rate is 5%; the 2% and 3% slabs apply only to the first sale of a flat/apartment up to Rs 45 lakh. Female buyers do not receive a preferential rate.

Karnataka levies a surcharge of 12% of the stamp duty amount in urban areas and 13% in rural areas. For a standard Rs 50 lakh conveyance, stamp duty is Rs 2.5 lakh (5%) and the surcharge is Rs 30,000 urban (12%) or Rs 32,500 rural (13%). Registration is 2%. A first-sale flat up to Rs 45 lakh may qualify for the lower 2%/3% slabs.

Guidance values (also called ready reckoner rates) in Bengaluru are determined by the Department of Stamps and Registration. These values are based on location, infrastructure, land use, and market trends. BBMP wards are used as the basic unit for guidance value determination. The values are revised periodically and are available on the Kaveri portal.

Property title can be verified by obtaining an encumbrance certificate from the Sub-Registrar office, checking the khata records at the BBMP or municipal office, and reviewing the chain of sale deeds. Online verification is available through the Kaveri portal for properties registered after digitisation.

Khata is a revenue record maintained by the municipal authority (BBMP in Bengaluru) that identifies the property for tax purposes. The title deed is the legal document that proves ownership. Both are required for property transactions. The khata must be transferred to the buyer's name after purchase for property tax payment and utilities connection.