Stamp Duty Calculator Karnataka: How Much Will You Pay in 2026?
Karnataka homebuyers in 2026 pay 2%, 3%, or 5% stamp duty, plus cess, surcharge, and 2% registration fee – depending on value and deed category.
Acquiring a home in Karnataka involves more than the agreed sale amount. Buyers need to include stamp duty and registration charges while setting their purchase cost. The payable sum depends on value, place, ownership type, deed category, and government rules.
Karnataka stamp duty calculator gives an early estimate and helps households arrange funds. It also reduces confusion around guidance value, cess, surcharge, and registration fees.
Table of Contents
Karnataka Stamp Duty Rates 2026: The Slab Table
The state applies duty to the full chargeable value. 2% and 3% slabs apply to the first sale of a flat valued below ₹45L, while residences above it attract 5%.
| Property Value | Base Duty | Cess: 10% on Duty | Surcharge: 2% Urban / 3% rural | Total Stamp Duty Rate |
| Above ₹45L | 5% | 0.50% | 0.1% urban / 0.15% rural | 5.6% / 5.65% |
Cess equals 10% of base duty. Surcharge equals 2% of duty in urban limits and 3% in rural limits. For homes above ₹45 lakh, stamp duty in Bangalore reaches 5.6%. These figures exclude separate registration fees.
How the Total Rate Works
For an urban flat above ₹45L:
- Base duty: 5%
- Cess: 10% of 5% = 0.5%
- Urban surcharge: 2% of 5% = 0.1%
- Total duty: 5.6% – which is at least ₹2.52L
A rural transaction in the same slab attracts 5.65%.
The Big Change: Registration Fee Doubled to 2% (Effective 31 Aug 2025)
Value-based registration charges in Karnataka increased from 1% to 2% on 31 Aug 2025. Hence, a ₹50L transaction attracts ₹1L as registration fee now; while a ₹1cr transaction attracts ₹2L. This payment remains separate from duty, cess, and surcharge.
Preparing for stamp duty and registration charges before signing can prevent a funding gap. The revised fee applies to value-based documents.
How Stamp Duty is Calculated: Guidance Value vs Sale Price
Duty is applicable on the higher of the sale price and government guidance value. This term refers to the minimum value assigned to land, flats, and other assets in a given location.
For example, if the guidance value Karnataka is ₹55L and sale price is ₹60L, the calculation uses ₹60L. If the sale price is ₹52L and guidance value is ₹58L, duty is applied on ₹58L. While reviewing apartments for sale in Bangalore, compare the agreed price with the applicable government valuation. The higher figure becomes the chargeable base.
Buyers should understand the difference between A-Khata and B-Khata properties while checking records. Each classification requires a separate document review.
Worked Examples: What You Will Actually Pay in 2026
The following examples use urban rates, and show how. Use them to understand stamp duty & registration charges in Bangalore rise with the chargeable value.
₹70L Flat
Base duty: ₹70,00,000 × 5% = ₹3,50,000
Cess: ₹3,50,000 × 10% = ₹35,000
Surcharge: ₹3,50,000 × 2% = ₹7000
Total duty: ₹3,92,000
Registration: ₹70,00,000 × 2% = ₹1,40,000
Total payable: ₹5,32,000
A Karnataka stamp duty calculator should show the same result when ₹70L is the accepted value.
₹1cr Apartment
Base duty: ₹5,00,000
Cess: ₹50,000
Surcharge: ₹10,000
Total duty: ₹5,60,000
Registration: ₹2,00,000
Total payable: ₹7,60,000
This method helps compare flat registration charges in Bangalore across different values.
₹3cr Residence
Base duty: ₹15,00,000
Cess: ₹1,50,000
Surcharge: ₹30,000
Total duty: ₹16,80,000
Registration: ₹6,00,000
Total payable: ₹22,80,000
Buyers assessing luxury apartments in Bangalore can use this example as an indicative reference.
How to Use the Official Kaveri 2.0 Stamp Duty Calculator: Step-by-Step
Kaveri online services enable visitors to estimate charges without creating an account. User registration is required for document submission and appointment booking.
- Open the official Kaveri 2.0 portal
- Select ‘Stamp Duty and Registration Fee Calculator’ or ‘Know Your Stamp Duty Calculation’
- Choose the deed type
- Click ‘Show Details’
- Enter the region, consideration, and indicative market value
- Click ‘Calculate’
- Review the displayed amount
Karnataka stamp duty calculator gives an indicative figure, while Sub-Registrar’s Office confirms the final liability after scrutiny. Applicants can also obtain Encumbrance Certificate Online to review registered transactions.
New in 2026: Digital e-Stamps with QR Verification
Karnataka govt operationalised fully digital e-stamping through Kaveri 2.0 in Jan 2026, following the digital e-stamp rules 2025 notified on 7 Aug 2025. The system generates an electronic certificate after the successful payment of duty.
Each certificate carries a unique number and QR code, while the government repository retains the original digital record. Scan the code and compare the payer’s name, duty amount, document type, issue date, and property details with the verification record. Report any mismatch to the Sub-Registrar’s Office.
For an e-stamp Karnataka transaction, users should register on Kaveri 2.0, enter the complete document details, pay the assessed duty, and download the generated certificate.
Stamp Duty on Other Deeds: Gift, Lease, GPA, & More
Rates vary by deed, relationship, place, term, and assessable amount.
| Deed Type | Stamp Duty | Registration |
| Gift to specified family member | ₹5000 in BBMP, BMRDA, or City Corporation limits; ₹3000 in municipal or town limits; ₹1000 elsewhere | ₹500 |
| Gift to non-family member | Conveyance duty on market value | 2% |
| Residential lease up to 1 year | 0.5% of assessable amount; maximum ₹500 | ₹100 |
| Other leases up to 30 years | 0.5-3% | ₹5 per ₹1000; minimum ₹100 |
| Lease above 30 years | Conveyance duty on applicable value | 2% |
| General GPA | ₹500 in common cases | ₹200 |
| GPA authorising sale | Conveyance duty on applicable value | 2% |
| Partition | ₹5000, ₹3000, or ₹1000 per share | Fixed deed-based fee |
| Family release | ₹5000, ₹3000, or ₹1000 | ₹500 |
| Non-family release | Conveyance duty | 2% |
| Will | Nil | ₹200, if registered |
Land registration charges in Karnataka depend on the instrument and government valuation.
For land purchases, Bhoomi RTC & Pahani Karnataka records can help review revenue entries; but full legal verification is still required.
How to Pay: Kaveri Online, Khajane-2 Challan, & Offline Options
Karnataka stamp duty calculator helps compare the assessed sum before payment. Check every entry first.
- Complete the Kaveri 2.0 application
- Choose the displayed online banking route
- Pay property registration charges through the option shown
- Use Khajane-2 challan when generated
- Save the receipt and acknowledgement
- Use an authorised e-stamp centre or Karnataka One centre for eligible documents
- Present payment proof at the Sub-Registrar Office
Tax Benefit Alert 2026: ₹1.5 Lakh Deduction Available Only Under the Old Regime
Eligible stamp duty and registration charges paid for a residential house can qualify under Section 80C. The deduction falls within the combined ₹1.5L annual limit. Taxpayers can claim it only under the old tax regime, and in the year of payment. Retain the sale deed and receipts.
Refunds, Penalties, & Common Mistakes
- Submit a stamp duty refund Karnataka request within the prescribed 6-month or 1-year period
- Refunds may carry 10% or 20% deduction
- Apply within 6 months for excess payment
- Authorities can impound an insufficiently stamped deed
- Use the higher of guidance value and sale price
- Select the correct deed category
- Check names, shares, asset details, and references
- Retain the deed, e-stamp, challan, receipts, and cancellation proof
Conclusion
Calculating stamp duty and registration charges early helps homebuyers prepare an accurate budget. The final amount varies with deed type and accepted value. Karnataka stamp duty calculator can help estimate duty, cess, surcharge, and registration fee. Verify every entry on Kaveri 2.0 and retain all payment records.
FAQs
Did registration cost in Karnataka increase recently?
Yes, registration cost in Karnataka increased from 1% to 2% with effect from 31 Aug 2025.
Is stamp duty in Karnataka lower for women buyers?
No, currently the stamp duty in Karnataka is the same across genders.
Is stamp duty calculated on guidance value or sale price?
Stamp duty is calculated on the higher of the government guidance value and the sale price stated in the deed.
What is the total cost of registering a ₹2cr flat in Bangalore in 2026?
The total cost of registering 2cr flat in Bangalore in 2026 is ₹15.2L (this includes base duty of ₹10L, cess of ₹1L, surcharge of ₹20,000, and registration fee of ₹4L)
What are the stamp duty and registration charges in Karnataka in 2026?
Stamp duty and registration charges in Karnataka are generally 5% and 2% respectively, based on the value and transaction type, plus cess and surcharge.
How do I calculate stamp duty using the Kaveri portal?
You can use the Kaveri portal's Karnataka stamp duty calculator with deed type, region, consideration amount, and indicative market value.
What is the stamp duty on a gift deed to a family member in Karnataka?
Stamp duty on a gift deed to a family member is ₹5000 in BBMP, BMRDA, or City Corporation limits, ₹3000 in municipal or town areas, and ₹1000 elsewhere.
Can I claim income tax benefits on stamp duty in 2026?
You can claim income tax benefits on stamp duty in 2026 under Section 80C within the combined ₹1.5L limit. Taxpayers can claim them under the old tax regime and in the year of payment.
Can I get a refund of stamp duty if the transaction is cancelled?
You can get a refund if the transaction is cancelled, with 10% or 20% deduction depending on the circumstances.
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