What is the stamp duty on property purchase in Karnataka and how is it calculated?
Updated · 26 July 2026
Stamp duty in Karnataka is 2% for properties up to ₹20 lakh, 3% from ₹20–45 lakh, and 5% above ₹45 lakh. A 10% surcharge on stamp duty applies within BBMP/BDA limits in Bengaluru, making the effective rate about 5.5%. Registration charges are 1%. Total outlay for a typical Bengaluru flat is around 6.5%.
What are the current stamp duty rates in Karnataka?
FY 2025-26 under the Karnataka Stamp Act:
Example: ₹80 lakh Bengaluru flat (BBMP area) → Stamp duty 5% = ₹4 lakh + 10% surcharge ₹40,000 + Registration 1% = ₹80,000 → Total ₹5.2 lakh (~6.5%).
- Up to ₹20 lakh: 2% stamp duty
- ₹20 lakh to ₹45 lakh: 3% stamp duty
- Above ₹45 lakh: 5% stamp duty
Example: ₹80 lakh Bengaluru flat (BBMP area) → Stamp duty 5% = ₹4 lakh + 10% surcharge ₹40,000 + Registration 1% = ₹80,000 → Total ₹5.2 lakh (~6.5%).
How does Karnataka's guideline value system work?
The guideline value is set by the IGR Karnataka and updated periodically. Stamp duty is levied on the higher of guideline value or sale consideration.
Kaveri Online Services (kaverionline.karnataka.gov.in) provides: (a) guideline value search by district, taluka, village, and survey number; (b) a stamp duty calculator for exact computation.
Karnataka introduced fully paperless pre-registration — documents are uploaded online before the SRO appointment, reducing queue time at the office.
Kaveri Online Services (kaverionline.karnataka.gov.in) provides: (a) guideline value search by district, taluka, village, and survey number; (b) a stamp duty calculator for exact computation.
Karnataka introduced fully paperless pre-registration — documents are uploaded online before the SRO appointment, reducing queue time at the office.
What concessions and exemptions are available in Karnataka?
- Family gift deeds: Transfer between blood relatives (spouse, children, parents, siblings) by gift deed: flat stamp duty of ₹1,000 plus nominal registration — a significant saving.
- BDA / KHB scheme properties: Government-allotted sites may attract stamp duty based on allotment value rather than market value.
- Affordable housing / PMAY: Check current government orders for concessions on PMAY-linked projects.
- Women buyers: Karnataka does not currently offer a gender-based percentage reduction at the state level.
Step by step: property registration via Kaveri portal
1. Verify guideline value and calculate stamp duty at kaverionline.karnataka.gov.in → Duty Calculator.
2. Pay stamp duty online through Kaveri portal (net banking / debit card / RTGS); download payment challan.
3. Upload draft sale deed and supporting documents (title chain, Khata, EC, identity proofs, PAN, Aadhaar) on Kaveri portal.
4. Book SRO appointment online; walk-ins not accepted.
5. Appear at SRO with both parties for Aadhaar e-KYC verification.
6. Download registered document from Kaveri portal within 24–48 hours; physical copy also issued at SRO.
2. Pay stamp duty online through Kaveri portal (net banking / debit card / RTGS); download payment challan.
3. Upload draft sale deed and supporting documents (title chain, Khata, EC, identity proofs, PAN, Aadhaar) on Kaveri portal.
4. Book SRO appointment online; walk-ins not accepted.
5. Appear at SRO with both parties for Aadhaar e-KYC verification.
6. Download registered document from Kaveri portal within 24–48 hours; physical copy also issued at SRO.
Reference Citation: Karnataka Stamp Act, 1957; Karnataka Registration Rules; Kaveri Online Services portal; IGR Karnataka
Disclaimer: Content provided here is for general legal knowledge only and does not constitute formal legal advice. If you have an urgent or specific matter, please consult a registered advocate.