Stamp Duty & Registration
The True Cost of Buying Includes More Than the Property Price.
Every property purchase in Bangalore involves two mandatory government-levied charges: stamp duty and registration charges. These are not optional and must be paid before ownership is legally transferred.
Understanding Stamp Duty & Registration
Essential information about mandatory government charges that form part of your property purchase budget in Bangalore.
What Is Stamp Duty?
Stamp duty is a state government tax imposed on property transfer transactions. In Karnataka, it is collected by the Stamps and Registration Department and is paid by the buyer before or at the time of property registration. It serves as legal evidence of the property transaction. Without paying stamp duty, the sale deed cannot be registered. Without registration, the buyer has no legal title to the property.
What Are Registration Charges?
Registration charges are fees paid to the Sub-Registrar's office to officially enter the property transaction in public land records. This registration creates a permanent, legally enforceable record of ownership in the buyer's name under the Registration Act, 1908. These charges are approximately 1% of the property value and are paid on the same basis as stamp duty.
Current Rates
Stamp Duty and Registration Rates in Bangalore, Karnataka
Rates are set by the Karnataka state government and are subject to revision. Verify current rates with official departments.
| Charge | Approximate Rate | Basis | Who Pays |
|---|---|---|---|
| Stamp Duty | 5% of property value (above ₹45 lakh) | Higher of: (a) transaction value or (b) government guidance value | Buyer |
| Registration Charges | 2% of property value (from 31 August 2025; was 1%) | Same basis as stamp duty | Buyer |
| Cess / Surcharges | 0.5% cess + 0.1% surcharge (of property value) | Same basis as stamp duty | Buyer |
Interactive Estimator
Karnataka Stamp Duty & Registration Calculator 2026
Calculate Karnataka stamp duty (5% + 0.5% cess + 0.1% surcharge) and the registration fee (2%) for residential property above ₹45 lakh in Bangalore Urban.
Standard Bangalore Property Price Benchmark
Reference breakdown across standard luxury apartment pricing in Whitefield
Rates as of October 2026: stamp duty 5% + 0.5% cess + 0.1% surcharge; registration fee 2% (Government of Karnataka notification of 29 August 2025 under the Registration Act, 1908, effective 31 August 2025). Source: Karnataka Department of Stamps and Registration.
| Property Price | Stamp Duty + Cess (~5.6%) | Registration (2%) | Total Govt. Charges | Total Landed Investment |
|---|---|---|---|---|
| ₹1.50 Crore | ₹8,40,000 | ₹3,00,000 | ₹11,40,000 | ~₹1,61,40,000 |
| ₹2.10 Crore (3 BHK) | ₹11,76,000 | ₹4,20,000 | ₹15,96,000 | ~₹2,25,96,000 |
| ₹2.50 Crore | ₹14,00,000 | ₹5,00,000 | ₹19,00,000 | ~₹2,69,00,000 |
| ₹3.50 Crore (4 BHK) | ₹19,60,000 | ₹7,00,000 | ₹26,60,000 | ~₹3,76,60,000 |
Why Stamp Duty and Registration Are Legally Non-Negotiable
Legal Ownership
The only method to transfer title from the developer to you as per the Registration Act, 1908.
Loan Disbursement
Banks mandate registered sale deeds as primary collateral before releasing final payment tranches.
Future Resale Rights
Unregistered properties lack a clear 'Chain of Title', making future liquidation nearly impossible.
Tax Mutation
Registration is the precursor to Khata mutation, required for paying annual property taxes.
Step by Step
The Registration Process Step by Step
Prepare the Sale Deed with your legal advisor — a formal document recording the property transaction between buyer and developer.
Verify the property's government guidance value at the Sub-Registrar's office for your area (Whitefield / Varthur Road zone).
Pay stamp duty online via the Karnataka e-Stamps portal (karistamp.karnataka.gov.in) or at authorised bank branches.
Book an appointment at the relevant Sub-Registrar's office (Whitefield / Krishnarajapuram jurisdiction).
Both buyer and seller attend the Sub-Registrar's office with original documents and Aadhaar verification.
Biometric verification (fingerprint and photograph) is mandatory for all parties under Karnataka RERA regulations.
Sub-Registrar registers the sale deed and issues a certified copy. Buyer is officially the legal owner.
Initiate Khata Transfer at the BBMP / Greater Bengaluru Authority (GBA) municipal office using the registered sale deed to update property tax records.
RERA Compliance
Under RERA, developers are strictly prohibited from collecting registration fees before specific milestones. Tru Aquapolis ensures all legal timelines are transparently communicated.
Section 80C Benefits
Under Section 80C, stamp duty and registration charges are eligible for a deduction of up to ₹1,50,000 per financial year for individual buyers.
Everything you need to know