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If you are planning to buy property in Bangalore, understanding stamp duty and registration charges is essential. These are mandatory legal payments levied by the Government of Karnataka to officially register property transactions. The charges ensure that property ownership is recorded in the government’s records, making the transaction legally valid and enforceable.

In this detailed guide, we will explore the latest stamp duty in Bangalore, registration fees, property registration process, calculation methods, and payment options.

What is Stamp Duty and Why is it Required in Bangalore?

Stamp duty is a state government tax that must be paid when any sale or transfer of immovable property takes place. It serves as legal proof of the transaction and helps establish ownership.

Registration charges, on the other hand, are fees paid for registering the property documents in the sub-registrar office. These charges fall under the Karnataka Registration Act, 1908, and are applicable if the property value exceeds ₹100.

Once the stamp duty and registration charges are paid, the property is recorded in the official land records of Karnataka, reducing the risk of legal disputes.

Current Stamp Duty and Registration Charges in Bangalore (2025)

The Karnataka government has set differential rates based on property value and ownership type. Below is a detailed breakdown:

Stamp Duty and Registration Charges - Based on Ownership and Property Value

These rates apply whether the ownership is individual or joint (male + male, female + female, or male + female).

Stamp Duty Rates on Different Types of Property Deeds

The applicable stamp duty charges vary based on the nature of the property document. Here's a breakdown:

Additional Charges Applicable

• Additional Duty: 10% on the applicable stamp duty

• Surcharge: 2% for urban areas and 3% for rural areas

Stamp Duty Calculation Example in Bangalore

Here’s an example to help you understand how stamp duty and registration fees are calculated in Bangalore:

In this case, if you're purchasing a flat in Whitefield worth ₹1 crore, your total payable amount for stamp duty and registration will be ₹6 lakh.

Factors Affecting Stamp Duty in Bangalore

The following factors influence stamp duty in Karnataka:

1. Market Value of Property – Higher the value, higher the duty.

2. Type of Property – Residential, commercial, or industrial.

3. Size of the Property – Super built-up area or plot area.

4. Location of the Property – Urban or rural area.

5. Gender and Age of Owner – No current rebate in Karnataka.

6. Type of Deed – Gift deed, sale deed, or lease deed.

How to Pay Stamp Duty and Registration Charges in Bangalore

You can pay stamp duty using either offline or online methods, depending on the transaction amount.

Offline Payment Process

1. Visit the nearest sub-registrar office.

2. Collect or download the stamp duty form.

3. Fill out the form and attach necessary documents:

   • Original Sale Deed or Transfer Deed

   • Encumbrance Certificate (if applicable)

   • PAN Card

   • Proof of Address

4. Make payment using cash, demand draft, or challan from a nationalised bank.

5. Submit the documents and receive a payment receipt.

Note: Payment must be completed within two months from the date of execution of the document.

Online Payment for Stamp Duty in Karnataka

Online payments above ₹2,000 can be made through the official K2 Karnataka Portal:

• Visit: https://k2.karnataka.gov.in/index_en.html

• Navigate to the stamp duty payment section.

• Choose the document type and fill in details.

• Generate challan and make payment online via bank.

Using the Online Stamp Duty Calculator

To save time and avoid errors, you can calculate stamp duty in Bangalore using the Kaveri Online Services Portal.

Steps to Use Stamp Duty Calculator

1. Visit https://kaverionline.karnataka.gov.in

2. Click on “Stamp Duty and Registration Charges Calculator”

3. Select the document type

4. Choose region – BBMP, municipal corporation, or panchayat

5. Enter the indicative property value

6. Click Calculate to view estimated charges

This calculator is especially helpful for first-time homebuyers and real estate investors.

Why It’s Important to Pay Stamp Duty in Bangalore

Paying stamp duty and registration fees ensures legal ownership. If you skip these charges, your property transaction is not legally recognised. Proper registration:

• Helps maintain clear ownership records

• Reduces chances of legal disputes

• Enables resale, inheritance, and loan approvals

Contact Details for Assistance

For queries or complaints regarding stamp duty in Karnataka, you can contact:

Office of the Inspector General of Registration and Commissioner of Stamps
Kandaaya Bhavan, 8th Floor, K.G. Road, Bengaluru – 560001
Phone: 080-22220672
Fax: 080-22220754
Email: igr@karnataka.gov.in

Conclusion - Stamp Duty and Registration Charges in Bangalore

Understanding and paying stamp duty and registration charges in Bangalore is a crucial step when buying property. Whether it’s a residential flat, commercial building, or plot, registering the transaction ensures it’s legally valid under Karnataka’s property laws. Use online calculators, follow government guidelines, and ensure timely payment for smooth and dispute-free property ownership.