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Stamp duty and registration charges in Bangalore in 2025

Property TypeStamp Duty RateRegistration ChargesGender-Specific ConcessionsAdditional Information
Residential (Above ₹45 lakh) - Male5%1%No concessionsNo special discounts
Residential (Above ₹45 lakh) - Female5%1%No concessions in BangaloreNo special discounts
Residential (Between ₹21 lakh and ₹45 lakh) - Male3%1%No concessionsNo special discounts
Residential (Between ₹21 lakh and ₹45 lakh) - Female3%1%No concessions in BangaloreNo special discounts
Residential (Below ₹20 lakh) - Male2%1%No concessionsNo special discounts
Residential (Below ₹20 lakh) - Female2%1%No concessions in BangaloreNo special discounts
Commercial - Male5%1%No concessionsNo special discounts
Commercial - Female5%1%No concessions in BangaloreNo special discounts
Plots and Agricultural Land - Male5%1%No concessionsNo special discounts
Plots and Agricultural Land - Female5%1%No concessions in BangaloreNo special discounts
Affordable Housing (Below ₹45 lakh) - Male2-3%1%No concessionsPotential for lower rates
Affordable Housing (Below ₹45 lakh) - Female2-3%1%No concessions in BangalorePotential for lower rates
Under-Construction Properties - Male5% Stamp Duty + GST1%No concessionsGST applies
Under-Construction Properties - Female5% Stamp Duty + GST1%No concessions in BangaloreGST applies


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Calculate Stamp Duty and Registration Charges in Bangalore, Karnataka

Property TypeStamp Duty RateRegistration ChargesAdditional ChargesTotal Charges Example
Residential (Above ₹45 lakh) - Male5% + 10% Cess + 2% Surcharge1%Cess: 10%, Surcharge: 2%5.6% Stamp Duty + 1% Registration
Residential (Above ₹45 lakh) - Female5% + 10% Cess + 2% Surcharge1%Cess: 10%, Surcharge: 2%5.6% Stamp Duty + 1% Registration
Residential (Between ₹21 lakh and ₹45 lakh) - Male3% + 10% Cess + 2% Surcharge1%Cess: 10%, Surcharge: 2%3.32% Stamp Duty + 1% Registration
Residential (Between ₹21 lakh and ₹45 lakh) - Female3% + 10% Cess + 2% Surcharge1%Cess: 10%, Surcharge: 2%3.32% Stamp Duty + 1% Registration
Residential (Below ₹20 lakh) - Male2%1%No additional charges2% Stamp Duty + 1% Registration
Residential (Below ₹20 lakh) - Female2%1%No additional charges2% Stamp Duty + 1% Registration
Commercial - Male5% + 10% Cess + 2% Surcharge1%Cess: 10%, Surcharge: 2%5.6% Stamp Duty + 1% Registration
Commercial - Female5% + 10% Cess + 2% Surcharge1%Cess: 10%, Surcharge: 2%5.6% Stamp Duty + 1% Registration
Plots and Agricultural Land - Male5% + 10% Cess + 2% Surcharge1%Cess: 10%, Surcharge: 2%5.6% Stamp Duty + 1% Registration
Plots and Agricultural Land - Female5% + 10% Cess + 2% Surcharge1%Cess: 10%, Surcharge: 2%5.6% Stamp Duty + 1% Registration


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Stamp Duty and Registration Charges in Bangalore for Different Deed Types

Deed TypeStamp DutyRegistration ChargesAdditional Information
Sale Deed5% of Market Value for properties above ₹45 lakh, 3% for ₹21-45 lakh, 2% below ₹20 lakh1% of Property ValueCess: 10% of Stamp Duty, Surcharge: 2% in urban areas
Gift Deed (Family Members)Fixed charges1% of Property ValueSpecific rates may vary
Joint Development Agreement1% of Market Value, Max ₹15 lakhs1% of Property Value, Max ₹1.5 lakhsApplies to immovable property sales
Conveyance Deed5% of Market Value + Additional Duty + Surcharge1% of Property ValueSimilar to sale deed charges
Rental Agreement0.5% for less than 1 year, varies by lease durationVaries by lease durationSpecific rates apply based on lease terms
Cancellation DeedSame duty as original instrumentRs. 100 or 1% of Market ValueDepends on original agreement type
Adoption DeedRs. 500Rs. 200Fixed charges apply
AffidavitRs. 20NANo registration fee applicable
Agreement for Sale (with possession)5% of Market Value1% of Property ValueSimilar to sale deed charges
Agreement for Sale (without possession)0.1% of Market ValueMin. Rs. 100, Max. Rs. 20,000Lower rates apply

Tax Benefits on Stamp Duty and Registration Charges

  1. Eligibility: The property must be registered in the buyer's name, and the payment must be made in the same financial year.

  2. Deduction Limit: Up to ₹1,50,000 per year can be claimed as a deduction under Section 80C for stamp duty and registration charges.

  3. Applicability: This benefit is available only for new homes and not for commercial properties, residential plots, or resale properties.

  4. Joint Ownership: Co-owners can claim these expenses in their Income Tax Returns (ITRs) based on their share in the property.

  5. Documentation: Actual expenses incurred for stamp duty and registration charges must be documented and substantiated to qualify for tax benefits.

Tax Benefit CriteriaEligibilityDeduction LimitApplicability
Section 80C DeductionProperty registered in buyer's name, payment in the same financial yearUp to ₹1,50,000 per yearNew homes only
Joint Ownership BenefitsCo-owners can claim based on their shareUp to ₹1,50,000 per yearJointly owned new homes
Excluded PropertiesCommercial, resale, residential plotsNo deduction availableNot applicable
Documentation RequirementActual expenses must be documentedUp to ₹1,50,000 per yearAll eligible properties

To pay stamp duty and registration charges online in Bangalore

  1. Visit the Kaveri Online Services Portal: Go to the official Kaveri portal.
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  1. Generate Challan: Click on 'Generate Challan' to start the payment process.
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  1. Enter Property Details: Fill in relevant details such as property address, market value, and type (residential/commercial).
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  1. Select Payment Type: Choose the stamp duty and registration charges applicable based on the property value.

  2. Mode of Payment: Select your preferred payment method (Net Banking, Credit/Debit Card).

  3. Submit and Receive Challan: After completing the payment, a challan will be generated. This challan is valid for 90 days for property registration.

  4. Complete Registration: Present the challan at the sub-registrar's office to complete the registration of your property.

To Pay Stamp Duty and Property Registration Charges Offline in Bangalore

  1. Visit the Local Sub-Registrar's Office: Go to the sub-registrar's office in your jurisdiction with all necessary documents.

  2. Calculate Charges: Officials will help calculate the stamp duty and registration charges based on the property value.

  3. Payment Methods:

    Pay using:

    • Demand Draft: Drawn in favor of the respective Sub Registrar of Assurances.

    • Cash: For amounts below ₹2,000.

    • Cheque: From a nationalized bank.

  4. Impressed Stamps: For amounts above ₹2,000, purchase these from the treasury or authorized vendors124.

  5. Document Verification: Ensure both the buyer and seller, along with any required witnesses, are present to sign the documents.

  6. Registration Process: After payment and verification, the property registration certificate will be issued14.

Steps to apply for a Stamp Duty Refund in Bangalore

  1. Check Eligibility: Ensure you meet refund criteria (e.g., cancelled transaction, unused stamps).

  2. Gather Documents: Original deed, cancellation deed, proof of unused stamps, bank details, ID proof.

  3. Application Form: Use Form 4 for stamp duty refund.

  4. Submit Application: Fill out form, attach documents, submit to District Collector or Sub-Registrar.

  5. Verification and Refund: Authorities verify application; refund processed with a possible 10% deduction.


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Contact Details for Stamp Duty and Registration Charges in Bangalore

OfficeAddressPhoneEmail/Website
Department of Stamps and RegistrationKandaaya Bhavan, 8th floor, K G Road, Bengaluru-560 009080-22220436aigrcomp@karnataka.gov.in
Sub-Registrar OfficesVarious locations across BangaloreVaries by locationCheck local directories
Kaveri Online Services PortalN/AN/Akaverionline.karnataka.gov.in


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FAQs

Q. What are the stamp duty rates in Bangalore? Stamp duty rates in Bangalore are 2% for properties below ₹20 lakh, 3% for properties between ₹21 lakh and ₹45 lakh, and 5% for properties above ₹45 lakh.
Q. What are the registration charges in Bangalore? Registration charges in Bangalore are 1% of the property value.
Q. Are there any additional charges? Yes, there is a 10% cess and a surcharge of 2% in urban areas (or 3% in rural areas) on the stamp duty.
Q. How can I pay stamp duty and registration charges in Bangalore? You can pay online via the Kaveri portal or offline at the sub-registrar's office using demand drafts, cash, or cheques.
Q. Are there any special rates for women or first-time buyers? No, there are no special rates for women or first-time buyers in Bangalore; the rates apply uniformly.
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