What are the current Stamp Duty and Property Registration Charges in Karnataka

Stamp duty in Karnataka is a government-levied tax that must be paid when a property is sold, gifted, or otherwise transferred, and is critical to ensuring the document is legally enforceable. In Karnataka, the stamp duty helps validate ownership and protects both buyer and seller under the law. From 2025, registration fees in Karnataka property registration charges 2025 have been revised; stamp duty remains at 2-5% (based on property value), and registration charges have been updated to 2% of the value (from 1%) for documents executed after 31 August 2025. Some additional cess and surcharge may apply.

Stamp Duty and Registration Charges in Karnataka 2025

If you are buying a property in Bangalore, knowing the latest Karnataka stamp duty rates 2025 [1] is essential for planning your home loan and overall purchase budget. As per the current rates, properties valued up to ₹20 lakh attract a stamp duty of 2%, 3% between ₹20 to 45 lakh and 5% above ₹45 lakh. As per the new law under the Registration Act, 1908 [2], the registration fees have been doubled to 2%. Below are the prices to check from:

Category	Stamp Duty In Karnataka	Registration Charges (till 30th August 2025)	Registration Charges (From 31st August 2025)
Male	5% (Above ₹45 lakh)3% (₹20–45 lakh)2% (Below ₹20 lakh) [3]	1% of property value	2% of property value
Female	5% (Above ₹45 lakh)3% (₹20–45 lakh)2% (Below ₹20 lakh)	1% of property value	2% of property value
Male+Female (Joint)	5% (Above ₹45 lakh)3% (₹20–45 lakh)2% (Below ₹20 lakh)	1% of property value	2% of property value

Gift Deed Registration Charges in Karnataka

If you are transferring property as a gift in Karnataka, understanding the gift deed stamp duty and registration charges is crucial to ensure a smooth, legally valid, and hassle-free property transfer. The table below will help to understand things in a better way:

Description of the document	Stamp duty fees	Registration fees
Gift deed
a). If the donee is not a family member of the donor	5% on the market value + surcharge + additional duty	2%
b). If the donee is a specific family member of the donor	₹5000 - BMRDA, BBMP, City Corporation₹3000 - City/Municipal/Town Panchayath₹1000 - Others	₹1000 fixed

Gift Deed Registration Charges for Family Members

In Karnataka, when a property is transferred as a gift to a family member, the government offers concessional rates to encourage transfer within families. Instead of a percentage-based rate, the gift deed stamp duty [5] is charged as a fixed amount: ₹5,000 for properties within BMRDA, BBMP, or City Corporation limits; ₹3,000 for city, Municipal, or Town Panchayat areas; and ₹1,000 for other regions.  Additionally, the property registration fees in Karnataka for such family transfers are fixed at ₹1,000, making them much more affordable than transfers involving non-family members. 

E-Stamp Paper Commission Charges in Karnataka

e-Stamp paper is a convenient and secure way to pay stamp duty for property transactions, agreements, and other legal documents in Karnataka. The e-stamping system is managed by the Stock Holding Corporation of India Limited (SHCIL), ensuring a fraud-proof method for stamp duty payment.

Amount	Commission
₹20 - ₹100	₹10
₹101 - ₹5000	₹15
₹5001 - above	No commission

Recent Development: Karnataka Government Urged to Revise Guidance Value for Property Registration

The Karnataka government is being urged to revise the property guidance value to match market trends. This charge could affect Karnataka property registration charges and increase the overall property costs. Below are a few of the latest developments to keep an eye on:

• The state is planning a 1% hike in stamp duty to boost revenue from property registration, which may increase the cost of property purchase. [6]
• The government is updating the guidance value to reflect current market prices, helping bring property valuation closer to actual sale prices. [7]
• From August 31, 2025, registration fees doubled from 1% to 2%, increasing buyer expenses on property transactions. [8]

Karnataka to slash Stamp Duty on flats below Rs 45 Lakhs

The Karnataka government has announced a significant benefit: reducing stamp duty for buyers of flats under ₹45 lakhs, which is especially helpful when paying stamp duty online for smoother registration. 

• The state doubled its registration fee from 1% to 2% of property value, raising total transaction costs to 7.6% [9]
• As of 2025, stamp duty is 2% for properties under ₹20 lakh, 3% for properties between ₹20 lakh and ₹45 lakh, and 5% for properties above ₹45 lakh. [10]
• Buyers of flats above 45 lakh must budget for 5% stamp duty, registration, and other charges, which can push the total transaction cost higher for that category. [11]

Karnataka House Registration Charges

When you buy a new property in Karnataka, you must pay several charges, including stamp duty (2% to 5%), registration fees (2%), and surcharges or cess (up to 10%). These costs, set by the Department of Stamps and registration, determine the total property registration fees in urban and rural areas.  

Type of Fee	Amount
Registration charge	2%of the property value [12]
BMRDA and other Surcharges	3% on stamp duty
BBMP and Corporation Added Surcharges	2% on stamp duty
BBMP, BMRDA and Village Areas Added Cess	10% on the stamp duty

How to Calculate Registration Charges and Stamp Duty in Karnataka

The Karnataka government offers a user-friendly online tool for calculating stamp duty charges within the state. This web application efficiently computes the stamp duty based on the provided information. Here's a step-by-step guide to calculating stamp duty and registration charges:

• Step1: Visit the Kaveri Online Services Portal, the official platform of the Karnataka stamp and registration department, at [13]
• Step2: Navigate to the 'Stamp Duty and Registration Fee Calculator' tab.
• Step3: You will be directed to the calculator interface.
• Step4: Input details such as Region type, Indicative market value, and Indicative Consideration Amount.
• Step5: Click the 'Calculate' button.

The calculator will then display the following information

• Government Duty
• Surcharge Value
• Cess Value
• Total Stamp Duty
• Total Registration Fees

How to Pay Stamp Duty and Registration Fees in Karnataka?

In Karnataka, you can pay the stamp duty for property transactions through both online and offline methods. Here's a step-by-step guide on how to pay stamp duty in Karnataka:

Online Method: Stamp duty payment online, Karnataka

• Visit the official website of the Department of Stamps and Registration, Karnataka 
• Look for the "Online Payment" or "E-Payment" section on the website's homepage.
• Click on the option related to "Payment of Stamp Duty."
• You will be directed to a new page where you need to select the type of document (e.g., Sale Deed, Gift Deed, Lease Deed, etc.).
• Enter the required details about the property, transaction, and parties involved.
• Calculate the stamp duty amount based on the details provided.
• Choose the payment method (Netbanking, credit/debit card, or other available options) and make the payment.
• After successful payment, you will receive a payment receipt and a digitally stamped document.

Offline Method: Stamp duty payment offline, Karnataka

• Visit the nearest Sub-Registrar's office or the designated bank authorized to collect stamp duty.
• Obtain the required stamp duty payment challan/form from the office or bank.
• Fill in the details about the property, transaction, and parties involved in the form.
• Calculate the stamp duty based on the provided details and pay it in cash or by demand draft.
• After payment, you will receive a receipt as proof of payment.

Points to Consider Before Paying Stamp Duty in Karnataka

Before you pay stamp duty in Karnataka, there are a few things you should think about:

• The issuance date of the Karnataka stamp paper must be within 6 months of the transaction date.
• Before registration, all stamp-eligible assets must be stamped.
• Individuals participating in the transaction must sign the stamp paper.
• The adhesive stamp that was removed during execution cannot be used again.
• Gift Deed Registration Charges in Karnataka are transferred to a non-family member: 5% of the property's market value plus surcharges and cess, plus a 2%registration cost of ₹1000 + surcharge + cess and a set registration fee of ₹500 for a transfer to a family member.

Refund Process for Stamp Duty in Karnataka

It's crucial to note that the procedure for obtaining a stamp duty refund can differ from one Indian state to another. In Karnataka, if a sales deed is cancelled, property buyers have the option to request a refund of 98% of the paid stamp duty by filing a refund application.

To initiate the stamp duty refund process in Karnataka, it is imperative to submit both the original agreement and the original cancellation deed along with the refund application. It is also advisable to reach out to the nearest sub-registrar's office, where you can obtain specific guidance and requirements for the stamp duty refund application in Karnataka.

Factors Affecting Stamp Duty in Karnataka

Under the Karnataka Stamp Act, 1957, stamp duty and registration charges in Karnataka are influenced by several factors like locations, property age and amenities, helping buyers plan effectively. [14]

Factors	Stamp Duty Rates and Registration Charges in Karnataka
Age and gender	In Karnataka, senior citizens pay a cheaper stamp duty rate. This has a huge impact on the charges. Furthermore, men in India must pay a 2 percent higher stamp duty. This does not apply to the state of Karnataka.
Property location	Stamp duty rates are often higher in urban areas, while stamp duty rates are lower outside of these locations.
Property age	The stamp duty is based on the overall worth of the house or property, with the age of the property being a significant factor. People should be aware that older homes are less costly than newer homes.
Basic amenities	Stamp tax is greater on properties with basic amenities such as lifts and swimming pools. Property value will increase.

Are Tax Benefits Available on Stamp Duty and Registration Charges?

Section 80C of the Income Tax Act of 1961 allows for tax deductions on stamp duties and registration fees. The maximum deduction is ₹1,50,000. in this case.

Commercial properties, residential plots, and resale property, on the other hand, are not entitled to this tax benefit. This tax break is only available to new homes.

These are some important data about stamp duty and registration fees in Karnataka. Knowing the stamp duty rates and payment procedures makes the process go more smoothly.

Stamp Duty and Registration Charges in Karnataka on Other Services

When you register deeds other than simple sales in Karnataka, the total cost includes stamp duty and registration fees and other extras. Knowing the correct chargers for items such as gift deeds and leases helps you properly budget for house registration charges. 

Sr No	Document/Deed	Stamp Duty Charges (In Rs)	Registration Charges (In Rs)
1	Adoption Deed	₹1,000 [16]	200
2	Affidavit	₹100	-
3	Agreement related to Deposit of Title Deeds	0.5% of Market Value (Min: Rs 500, Max: Rs 50,000)	0.1% of Market Value (Min: Rs 100, Max: Rs 10,000)
4	Conveyance (including flats)	5% on market value + Surcharge + Additional duty	1%
	Conveyance by BDA/KHB	5% on Consideration value + Surcharge + Additional duty	1%
5	Exchange Deed	5% on market value + Surcharge + Additional duty	1%
6	Gift Deed	(i) If Donee is not a family member:
		5% on market value + Surcharge + Additional duty	1%
		(ii) If Donee is a specified family member:
		Rs. 1000 + Surcharge and Additional levy	Rs. 500 fixed
7	Lease Only	(a) More than 30 yrs or perpetuity	On Market Value/AAR + advance + premium + deposit + fine (whichever is higher)
	Lease of property between Family members	Rs 1000/-	Rs 500/-
8	Partition	(a) Non-Agriculture Properties in Municipal limits	Rs 1000 per share
		(b) Agricultural Land registration charges in Karnataka	Rs 250 per share
		(c) Movable property	Rs 250 per share
9	Power of Attorney (PoA)	For Registration, one or more documents	Rs 100
		Assigning one or more people in a single transaction	Rs 100
10	Reconveyance of mortgage property	Rs. 100	Rs. 100
11	Release	(i) When Release is not between family members	5% on market value
		(ii) Between family members	Rs 1000/-
12	Settlement Deed	(i) Not among the family members	5% on market value + Additional duty
		(ii) Property settlement between the family members	Rs 1000 + Additional duty
		(iii) Settlement Revocation	Rs. 200
13	Surrender of Lease	Rs. 100	Rs. 100
14	Transfer of Lease	(a) If the remaining period is fewer than 30 years	5% on the consideration value
		(b) Where the remaining period is greater than 30 years	5% on market value
15	Trust Deed Revocation	Maximum Rs. 200	Rs. 100
16	Will deed	NIL	Rs. 200
17	Will Deed Cancellation	Rs. 100	Max Rs. 200

For instance, if you're planning an adoption, you'll need to pay a stamp duty of Rs 500 and a registration charge of Rs 200. On the other hand, an agreement related to the deposit of title deeds would incur a stamp duty of 0.1% of the market value, with a minimum of Rs 500 and a maximum of Rs 50,000, along with a registration charge of 0.1% of the market value, with a minimum of Rs 100 and a maximum of Rs 10,000 as per Karnataka registration act. 

Stamp Duty Concessions and Exemptions in Karnataka

Under the Karnataka Stamp Act 1957, certain property deals qualify for stamp duty exemptions or reduced charges, helping specific groups or sectors lower their official costs when buying or registering property.

•  100% exemption on stamp duty for MSMEs on loan agreements, mortgages, and hypothecation deeds executed for certain financial institutions. [17]
• Fixed lower stamp duty for fixed deeds among specified family members (₹1,000, ₹3,000 and ₹5,000 depending on the area) instead of a full percentage.
• SC/ST buyers are eligible for a 50% stamp duty rebate on their first purchase under certain conditions. [18]
• Agricultural land transfers on properties in rural areas may be subject to reduced rates or special slabs compared with urban properties.
• Government land and transactions involving public institutions often get full or partial exemptions from stamp duty and registration charges.  

How NoBroker Can Help with Legal Services?

NoBroker offers expert legal assistance to property buyers and tenants, ensuring safe, transparent transactions. Their legal team verifies property documents, drafts sale and rental agreements, and checks encumbrances or title issues. With experienced lawyers guiding you through stamp duty, registration and verification processes, NoBroker ensures complete peace of mind in every property deal. 

Frequently Asked Questions