Stamp Duty Calculator — Karnataka
Calculate stamp duty and registration in Karnataka with the value slabs (2%, 3%, 5%) plus the 10% cess and BBMP/BMRDA surcharge that apply in Bangalore.
Karnataka is one of the few states that charges stamp duty on a value slab rather than a flat rate: 2% up to ₹20 lakh, 3% from ₹21–45 lakh, and 5% above ₹45 lakh.
On top of the base duty sit a 10% cess and a surcharge — 2% in urban areas under BBMP or BMRDA, 3% in rural areas. That takes the effective rate in Bangalore to roughly 5.6%, not the 5% most people quote. Registration is a further 1%.
Karnataka slabs
| Property value | Stamp duty |
|---|---|
| Up to ₹20 lakh | 2% |
| ₹21 lakh – ₹45 lakh | 3% |
| Above ₹45 lakh | 5% |
Then add cess at 10% of the duty and surcharge at 2% of the duty in BBMP and BMRDA areas (3% rural), plus 1% registration on the property value.
A worked example
An ₹80 lakh flat in Bangalore: base duty at 5% = ₹4,00,000; cess ₹40,000; surcharge ₹8,000; registration ₹80,000. Total ₹5,28,000, an effective 6.6% of value — noticeably more than the "5% stamp duty" figure usually quoted.
Guidance value
Karnataka's equivalent of a circle rate is the guidance value, published per locality on the Kaveri portal. Duty is charged on the higher of guidance value and agreement value. Guidance values were revised substantially in recent years, so an old estimate will understate your cost.
Karnataka does not offer a separate concession for women buyers, unlike Delhi, Maharashtra or Haryana. Confirm current slabs on the Kaveri Online Services portal.
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Create your free property pageFrequently asked questions
What is the stamp duty in Bangalore?
5% base duty for property above ₹45 lakh, plus 10% cess and 2% surcharge on the duty, plus 1% registration — an effective 6.6% of property value.
Do women get a stamp duty concession in Karnataka?
No. Unlike Delhi, Maharashtra, Haryana and Punjab, Karnataka charges the same rate regardless of the buyer’s gender.
What is guidance value?
The minimum property value notified by the state for each locality. Stamp duty is charged on the higher of guidance value and your agreement value.
Are the slabs on total value or the amount above each threshold?
On the total value. A property at ₹46 lakh is charged 5% on the whole amount, not 3% up to ₹45 lakh and 5% on the excess.