Page Contents
- Understanding Stamp Duty in Bangalore
- Current Stamp Duty Charges in Bangalore
- Registration Charges Update in Bangalore
- Area-Wise Additional Charges in Bangalore
- How Stamp Duty is Calculated?
- Key Factors That Affect Stamp Duty Charges In Bangalore
- Using Kaveri Online Services
- Payment Methods for stamp duty charges in Bangalore
- Tax Benefits on Stamp Duty In Bangalore
- Important Stamp Duty Considerations For Buyers In Bangalore
- Why Choose Homebazaar for Property Needs
- FAQs
Understanding Stamp Duty in Bangalore
The stamp duty in Bangalore is an obligatory tax charged by the government of Karnataka on property transactions. Following the Registration (Karnataka Amendment) Act of 2024, which took full effect in late 2025, transaction costs have shifted. It legitimises the legal ownership of property and brings revenue to the state. The value, location, and type of the property determine the value of the stamp duty.
Registration fees are the additional charges that are paid to make a property official. Both charges are mandatory for legal property ownership. These costs are useful in planning the budget when buying and selling property.
Current Stamp Duty Charges in Bangalore
In Bangalore, Karnataka, a slab-based system is used when charging stamp duty. The charges are the same throughout Bangalore, but the extra charges depend on location. Here are the current rates:
For properties under ₹20 lakh: The stamp duty rate is 2% of the property value. This applies to low-cost housing segments. The reduced rate assists first-time buyers in venturing into the property market.
For properties between ₹21 lakh and ₹45 lakh: The stamp duty rate is 3% of the value of the property. This bracket is inclusive of most mid-segment residential properties. The new rate is a relief to low-cost home purchasers.
For properties above ₹45 lakh: The stamp duty rate is 5% of the property value. This applies to premium properties and commercial spaces. The highest slab covers luxury residential and commercial properties.
Registration Charges Update in Bangalore
An important change took effect from August 31, 2025. Registration charges increased from 1% to 2% of the property value. This represents the first revision since 2003.
The increase applies to all property types across Karnataka. It pushes total transaction costs to approximately 7.6% for properties above ₹45 lakh. This doubling of the registration fee should be included in the budgets of buyers. For detailed information about these recent changes, visit our blog on the latest registration and stamp duty charges in Bangalore.
Area-Wise Additional Charges in Bangalore
Extra fees depend on where the property is located in Bangalore. These surcharges and even cess charges largely affect the end costs. It is important to know the charges specific to the area so that they can be budgeted accurately.
BBMP Area Properties
BBMP (Bruhat Bengaluru Mahanagara Palike) charges more on properties that are located within the limits. These costs are justified by the urban character and development of infrastructure. Most of central and developed Bangalore falls within the territory of the BBMP.
For properties above ₹35 lakh in BBMP areas:
- Cess: 10% of the calculated stamp duty
- Surcharge: 2% of the calculated stamp duty
- Total effective rate: 5.6% for properties above ₹45 lakh
BMRDA Area Properties
BMRDA (Bangalore Metropolitan Region Development Authority) areas are outside the BBMP limits. These include developing the peripheral areas of Bangalore. The surcharge structure differs slightly from the BBMP areas.
For properties in BMRDA areas:
- Cess: 10% of the computed stamp duty.
- Surcharge: 3% of the computed stamp duty.
- Efficiency: 5.65% on properties with a value above ₹45 lakh.
Rural and Village Areas
There are different charge structures of properties in the gram panchayat or village areas. These areas typically have lower infrastructure development. The surcharge reflects the rural classification.
Rural area charges include:
- Cess: 10% of the calculated stamp duty
- Surcharge: 3% of the calculated stamp duty
- Lower base guidance values than in urban areas
How Stamp Duty is Calculated?
The calculation of Stamp duty is based on the greater value between the sale consideration and the guidance value. Guidance value refers to the lowest value of a property as established by the government. This avoids the underpricing of properties.
Guidance values are updated by the Karnataka government regularly. These values depend on the locality, area, and type of property. Guidance values are usually higher in the BBMP regions than they are in the peripheral regions.
Calculation of the sample on the BBMP Property.
Take an example of a property that is priced at ₹70 lakh in the BBMP area:
- Base stamp duty (5%): ₹3,50,000
- Cess (10%): ₹35,000
- Surcharge (2%): ₹7,000
- Registration charges (2%): ₹1,40,000
- Total charges: ₹5,32,000
To have more examples and specific calculations based on the value of various types of property, check our article on the latest stamp duty and registration charges in Bangalore.
Key Factors That Affect Stamp Duty Charges In Bangalore
Several factors determine how much is payable for stamp duty in Bangalore. Knowing these will enable making the right cost estimation. The key determinants include location and type of property.
Location of property: Urban BBMP locations will be charged more compared to rural ones. There are greater values of guidance in developed localities. Future regions can offer lower base rates.
Property: Residential properties will be in normal slabs. There is usually 5% stamp duty on commercial premises irrespective of their value. Industrial properties possess certain rate structures.
Property amenities: Properties with better amenities can also carry a high guidance value. Swimming pools, clubhouses, and security systems are a few contributing factors that add value. This influences the basis of calculation.
Using Kaveri Online Services
The Karnataka Government offers Kaveri Online Services to calculate the stamp duty. This is a portal where one can get up-to-date information. The application of this tool guarantees the right calculations.
Steps to Calculate on Kaveri Portal
Visit the Kaveri Online Services website at kaverionline.karnataka.gov.in. Any registered user can access this service.
Choose the type of region – BBMP, municipal corporation, or gram panchayat. Enter the indicative market value or sale consideration of the property. The system computes guidance values when required.
The calculator displays registration and stamp duty charges in Bangalore automatically. This gives a complete cost breakdown. Save or download the calculation for records.
Payment Methods for stamp duty charges in Bangalore
There are several ways of paying registration and stamp duty charges in Bangalore. Karnataka state accepts online and offline payments. Select the method as per convenience.
Online payment: Use the Kaveri portal for e-stamping and online payment. Net banking, UPI, and credit cards are accepted. This method provides instant confirmation.
Offline payment: Go to the Stock Holding Corporation of India authorized branches. Alternatively, pay at the office of the Sub-Registrar. Carry the documents and banking tools.
Payment deadline: The stamping charge has to be paid before or at registration date. Late arrivals can be subject to fines. Plan for the payment timeline accordingly.
Tax Benefits on Stamp Duty In Bangalore
In Bangalore, stamp duty tax deductions are given to homebuyers in registration fees. This benefit is permitted under Section 80C of the Income Tax Act, 1961. The maximum limit of deduction is ₹1.5 lakh.
Qualification requirements: The property has to be registered under the buyer’s name. The deduction must be done when construction is complete. This would only be applied to residential property.
Eligibility conditions: The property must be registered under the buyer’s name. Construction must be complete for the deduction. This applies only to residential properties.
Co-ownership benefits: If someone is registered as a joint owner (e.g., spouses), both individuals can claim up to ₹1.5 Lakh each under Section 80C, potentially doubling their tax benefit to ₹3 Lakh.
Important Stamp Duty Considerations For Buyers In Bangalore
No gender-based concessions: Karnataka does not provide any special rates of stamp duty to women purchasers. Male and female customers are charged the same amount. This applies to all forms of property.
No first-time buyer benefits: There are no special rates for first-time buyers in Karnataka, as in some states. There are standard rates which are used for all buyers.
Verification of property documents: It is always advisable to verify the property documents prior to registration. Identify encumbrances and legal clearances. Make sure that the seller is in good title. It is advisable to know the entire property registration process to prevent traps
Why Choose Homebazaar for Property Needs
Homebazaar.com, being an Institutional Channel Partner, offers professional advice on the property transaction. We want to let the buyer know everything about their purchases in terms of costs. We have a team that guarantees our buyers a clear and hassle-free property purchase.
We help with proper stamp duty calculation and filing. We are knowledgeable about all localities of Bangalore and their needs. One can rely on us to make a well-informed purchase of a property.
FAQs
Q1: What is the total transaction cost for a ₹1 crore property in Bangalore?
In the case of a 1 crore property in the BBMP regions, the pay should be about ₹7.6 lakh in all duties. This amounts to 5% stamp duty, 2% registration fee and any surcharge and cess.
Q2: Do BBMP and BMRDA areas have different stamp duty charges in Bangalore?
In Bangalore, the stamp duty of the base is the same in both locations. The distinction is in the surcharge percentages – BBMP and BMRDA regions have surcharge percentages differing at 2% and 3%, respectively.
Q3: How can I check the guidance value for my property?
Go to the Kaveri Online Services portal and log in with the property valuation search tool. Please enter property location details, such as district, taluk and survey number, to have the right values of guidance.
Q4: Is stamp duty refundable if my property deal falls through?
Stamp duty in bangalore cannot be refunded in most instances unless the transactions are cancelled. It should be done via the Sub-Registrar Office using documentation and evidence.
Q5: What documents are needed for stamp duty payment?
A sale deed, property ownership document, PAN card, Aadhar card, address proof, as well as payment instruments, are the documents required for the payment of stamp duty in Bangalore. Other documents are the Khata certificate and the property tax receipts.
Q6: When should I pay stamp duty for my property?
The registration and stamp duty charges in Bangalore are to be paid before or at the time of registration of the property. Payments made within such a period prevent punishments and allow an easy transfer of property.
Q7: Are commercial properties charged higher stamp duty?
Yes, commercial properties are subject to a stamp duty of 5% irrespective of their value. This is in offices, retail stores, and other business areas.
