Karnataka Stamp Duty & Registration Calculator (Bangalore & Metros)
Karnataka Stamp Duty is a statutory state tax levied on real estate conveyances under the Karnataka Stamp Act, 1957. In Bangalore (BBMP limits), properties exceeding ₹45 Lakhs incur a 5% base stamp duty, plus a 10% infrastructure cess and 2% municipal surcharge (net 5.60% stamp duty), alongside a flat 2% registration fee, totaling 7.60% of the taxable property value.
Karnataka Property & Value Parameters
Duty is computed on the higher of Market Sale Consideration or Kaveri 2.0 Guidance Value.
Actual agreed purchase price between buyer and seller.
Official minimum valuation published by the Dept of Stamps & Registration.
Total Government Payout
Rated 4.9/5 based on 880 user calculations for Karnataka Stamp Duty Calculator.
The Department of Stamps and Registration, Government of Karnataka, computes total conveyance payouts through three statutory layers:
2%, 3%, or 5% Base Duty
Affordable homes up to ₹20 Lakhs pay 2% base duty. Properties between ₹20 Lakhs and ₹45 Lakhs pay 3%. All apartments, villas, and commercial spaces above ₹45 Lakhs pay the standard 5% base rate.
10% Cess + 2% / 3% Surcharge
The state levies a mandatory 10% Infrastructure Cess on the duty. In BBMP/Corporation areas, an additional 2% Municipal Surcharge applies (net 5.60%). In rural Gram Panchayats, a 3% surcharge applies (net 5.65%).
Uncapped Conveyance Fee
Under the Registration Act 1908 in Karnataka, registration charges are calculated as a flat 2.0% of the taxable consideration with no statutory upper rupee ceiling.
Scenario: Sneha purchases a 2BHK residential apartment in Whitefield (BBMP Zone, Bengaluru Urban) for an agreed price of ₹85,00,000. The official Kaveri 2.0 guidance value benchmark for the flat is ₹75,00,000.
| Statutory Component | Legal Basis & Applicable Rate | Calculation Mechanics | Payable Amount |
|---|---|---|---|
| Taxable Consideration Base | Higher of Agreement (₹85L) vs Guidance (₹75L) | Section 45A benchmark | ₹85,00,000 |
| Base Stamp Duty | 5.0% (Property value > ₹45 Lakhs) | 5% of ₹85,00,000 | ₹4,25,000 |
| Infrastructure & Health Cess | 10.0% of Base Stamp Duty | 10% of ₹4,25,000 | ₹42,500 |
| BBMP Municipal Surcharge | 2.0% of Base Stamp Duty | 2% of ₹4,25,000 | ₹8,500 |
| Total Stamp Duty Payable | Effective 5.60% | ₹4,25,000 + ₹42,500 + ₹8,500 | ₹4,76,000 |
| Registration Fee | Flat 2.00% of Taxable Consideration | 2% of ₹85,00,000 | ₹1,70,000 |
| Kaveri Scanning & Service Fee | Standard government scanning fee | Online portal charge | ₹1,000 |
| Total Government Payout | Effective 7.61% | Stamp Duty + Registration + Scanning | ₹6,47,000 |
Karnataka Stamp Duty & Registration Fee Matrix by Property Value & Zone
| Property Value Bracket | Base Duty | BBMP Corporation (Bangalore) | Town Municipal Council (CMC) | Gram Panchayat (Rural) | Registration Fee |
|---|---|---|---|---|---|
| Up to ₹20,00,000 (Affordable Tier 1) | 2.00% | 2.24% (Duty + Cess + 2% Surcharge) | 2.24% | 2.26% (+3% Surcharge) | Flat 2.0% |
| ₹20,00,001 to ₹45,00,000 (Affordable Tier 2) | 3.00% | 3.36% (Duty + Cess + 2% Surcharge) | 3.36% | 3.39% (+3% Surcharge) | Flat 2.0% |
| Above ₹45,00,000 (Standard Residential) | 5.00% | 5.60% (Duty + Cess + 2% Surcharge) | 5.60% | 5.65% (+3% Surcharge) | Flat 2.0% |
| Commercial Buildings & Layout Plots | 5.00% | 5.60% | 5.60% | 5.65% | Flat 2.0% |
Related Indian Real Estate, Tax & Area Calculators
Compare registration costs across other major Indian metros, estimate statutory property TDS, or check usable carpet area:
Frequently Asked Questions (Karnataka & Bangalore Stamp Duty)
What is the Stamp Duty rate for residential property in Bangalore (BBMP limits)?
For properties valued above ₹45 Lakhs in Bangalore (BBMP corporation limits), the base stamp duty is 5.0%. In addition, the state levies a 10% Infrastructure Cess on the duty (0.50% of property value) and a 2% Municipal Surcharge (0.10% of property value), bringing the effective stamp duty to 5.60%. Adding the flat 2.0% registration fee, the total government payout is 7.60% of the property value.
What are the affordable housing stamp duty concession slabs in Karnataka?
Under the Karnataka Stamp (Amendment) Act, residential properties valued up to ₹20,00,000 qualify for a 2% base stamp duty rate (effective 2.24% with cess & surcharge). Properties priced between ₹20,00,001 and ₹45,00,000 qualify for a 3% base stamp duty rate (effective 3.36% with cess & surcharge). Properties exceeding ₹45,00,000 are charged at the standard 5% base rate.
How is property registration fee calculated in Karnataka? Is there a cap?
Unlike Maharashtra (which caps registration at ₹30,000 for properties over ₹30 Lakhs), Karnataka charges a flat 2.0% registration fee on the total transaction consideration or guidance value, with no statutory upper monetary cap for regular sale conveyances.
What happens if the Kaveri 2.0 Guidance Value is higher than the agreement sale price?
Under Section 45A of the Karnataka Stamp Act, 1957, stamp duty and registration fees must be paid on whichever amount is higher between the actual agreement sale price and the official Kaveri 2.0 Guidance Value (government circle rate). If an apartment is purchased for ₹80 Lakhs but the guidance value is ₹90 Lakhs, duties are mandatorily computed on ₹90 Lakhs.
Do women home buyers get a stamp duty concession in Karnataka?
Unlike Delhi, Haryana, or Maharashtra, Karnataka currently does not offer a gender-based stamp duty concession for female buyers. The stamp duty and registration fee rates are identical across male, female, and joint buyers.