Stamp Duty & Registration Charges in Karnataka 2025-26

Buying a home or investing in property is a major step toward growth and financial security. In Karnataka, every property transaction requires payment of Stamp Duty & Registration Charges, which are essential for legal ownership and the smooth transfer of property rights. The Karnataka Stamp Duty Act governs these charges and is a crucial part of the process, ensuring that all transactions are documented and recognised by the government. Understanding these charges helps buyers plan their budgets and avoid surprises during property registration.

What are Stamp Duty & Registration Charges in Karnataka?

Stamp Duty in Karnataka is a tax paid to the government for the legal recognition of property documents, such as sale deeds, gift deeds and mortgage agreements. Registration Charges in Karnataka are the fees paid to register the property in the name of the buyer at the office of the sub-registrar. Both are mandatory for all property transactions and are governed by the Karnataka Stamp Duty Act. These charges ensure that property documents are valid and legally enforceable, protecting the rights of both buyers and sellers.

Updated Stamp Duty & Registration Charges Rates in Karnataka 2025-26

The rates for Stamp Duty & Registration Charges in Karnataka have been updated for 2025-26. The stamp duty is calculated based on the market value of the property, with different rates for different value slabs. Registration fees have also increased, now set at 2% of the property value for all transactions.

These rates apply uniformly across Karnataka, including major cities such as Bangalore, Mysore, Hubli, Mangalore and Belgaum. The total transaction cost, including cess and surcharge, can reach up to 7.6% for properties valued above ₹45 Lakh.

Also Read: Stamp Duty and Property Registration Charges in Kerala

Understanding Land Valuation in Karnataka

Land valuation in Karnataka is determined by the circle rates of the government, which represent the minimum value at which property can be registered. The actual market value or the consideration amount (whichever is higher) is used to calculate stamp duty. Buyers can check land valuation online using the Kaveri Online Services portal or the Bhoomi portal. Accurate land valuation ensures that stamp duty is calculated correctly and helps avoid disputes during registration.

Stamp Duty & Registration Charges for Various Property Types and Deeds

Different types of property transactions attract varying stamp duty and registration charges. The Karnataka Stamp Duty Act specifies rates for various deeds:

Recent amendments have made the process more transparent, with online calculators available for accurate estimation.

Factors Affecting Stamp Duty and Registration Charges in Karnataka

Several factors influence the amount of Stamp Duty Charges in Karnataka:

• Gender neutrality: Rates are the same for all buyers, regardless of gender.
• Age of the buyer: Senior citizens may receive concessions in some cases.
• Property type: Residential and commercial properties have different rates.
• Location: Urban and rural areas may have slight variations.
• Amenities: Properties with additional amenities may attract a higher valuation.
• Exemptions: Certain categories, such as MSMEs, may qualify for exemptions.

Also Read: Stamp Duty and Registration Charges (2025)

How to Calculate Stamp Duty & Registration Charges in Karnataka?

To calculate stamp duty and registration charges in Karnataka, follow these steps:

• Determine Property Value: Use the higher of the actual sale price or the circle rate (guidance value) by the government for your property.
• Apply Stamp Duty Rate: Stamp duty rates in Karnataka are:
  • 2% for properties below ₹20 Lakh
  • 3% for properties between ₹20 Lakh and ₹45 Lakh
  • 5% for properties above ₹45 Lakh.
• Add Surcharge and Cess: Some areas may have additional surcharge or cess, typically around 0.6%.
• Calculate Registration Charges: Registration charges are 1% of the property value, but as of August 2025, it has increased to 2% in some areas.
• Total Charges: Add stamp duty, surcharge/cess and registration charges.

Example Calculation:

• Property Value: ₹50 Lakh (above ₹45 Lakh)
• Stamp Duty: 5% of ₹50 Lakh = ₹2,50,000
• Surcharge/Cess: 0.6% of ₹50 Lakh = ₹30,000
• Registration Charges: 2% of ₹50 Lakh = ₹1,00,000
• Total Payable: ₹2,50,000 + ₹30,000 + ₹1,00,000 = ₹3,80,000.

For accurate calculations, use the official Karnataka Stamp Duty Calculator on the IGR Karnataka portal (igr.karnataka.gov.in).

Step-by-Step Process to Pay Stamp Duty & Register Property in Karnataka

1. Determine the market value of the property.
2. Calculate stamp duty and registration charges using the official rates.
3. Pay stamp duty online via the Kaveri portal or at designated banks.
4. Submit the required documents (sale deed, ID proof and address proof) at the office of the sub-registrar.
5. Complete registration within 4 months of the execution of the sale deed.
6. Receive the registered document and pay any additional fees.

Exemptions, Concessions & Tax Benefits on Stamp Duty in Karnataka

Certain exemptions and concessions are available:

• MSMEs may qualify for a 100% stamp duty reduction .
• Senior citizens may receive concessions.
• Women buyers do not currently receive specific exemptions.
• Income tax deductions under Section 80C are available for stamp duty and registration charges, up to ₹1.5 Lakh.

Regional Variations: Stamp Duty & Registration Charges Across Karnataka Cities

While the Karnataka Stamp Duty Act sets uniform rates, some cities may impose additional surcharges. For example, Bangalore, Mysore, Hubli, Mangalore and Belgaum generally follow the state rates, but local bodies may add minor surcharges. Always check with local authorities for the latest updates.

Final Thoughts

Paying Stamp Duty & Registration Charges in Karnataka is a vital step in securing property ownership. With updated rates and a clear process, buyers can confidently plan their transactions. For those looking to finance their property purchase, a Home Loan from Godrej Capital offers flexible EMIs and quick digital sanction, making the journey smoother and more convenient.

Apply Now for a Home Loan.

FAQs

Q.1. Can stamp duty be refunded in Karnataka?

A. Stamp duty is generally non-refundable, except in rare cases such as transaction cancellation.

Q.2. Are there stamp duty exemptions for women buyers?

A. Currently, there are no specific exemptions for women buyers in Karnataka.

Q.3. What documents are required for registering property in Karnataka?

A. Sale deed, ID proof, address proof and payment receipts are required.

Q.4. How to check land/property details online in Karnataka?

A. Use the Kaveri Online Services or the Bhoomi portal for property details.

Q.5. Can stamp duty be paid using debit/credit cards?

A. The stamp duty can be paid using debit/credit cards, net banking, RTGS or NEFT.

Q.6. What is the time frame to register a property after purchase?

A. Property must be registered within 4 months of the execution of the sale deed.

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