Stamp Duty and Registration Charges in Bangalore, 2025

Introduction

Known as the “Silicon Valley” of India, Bangalore is home to many multinational IT companies. It is one of the top houses in the country. However, buying a home in the city has become more expensive with the latest announcement of 0.5 per cent stamp duty on non-delivered properties. Openplot explains the newest stamp duty and registration charges in Bangalore.

Stamp duty and registration charges in Bangalore different from those in other cities and states. Generally, stamp duty charges are between three percent to five percent of the property’s market value, and registration charges range between one percent to three percent.

The Karnataka government has passed an amendment to the Stamp Act of 1957, to reduce the rate of stamp duty on properties priced between Rs 21 lakh and Rs 45 lakh. All such properties attract a stamp duty of three per cent. But Rs. Stamp duty is 2% on properties below Rs 20 lakh. The discount is applicable on first-time property registration only.

What is Stamp Duty in Bangalore?

To buy a house in Bangalore you must pay the latest stamp duty. Stamp duty is a tax paid to the government to legally recognize property transactions. It is important to consider this cost while budgeting for your new home purchase in Bangalore. Stamp duty rates in Bangalore may vary based on property value and location. OpenPlot brings you revised stamp duty and registration charges in 2025.

Stamp duty is a tax paid to the state government when a property is transferred from one owner to another. It differs from state to state. It is determined by the market value of the property you buy. Your documents are legally valid only after they are stamped. In contrast, a registration charge is a fixed percentage you pay to register your property.

What are Registration Charges in Bangalore?

Registration fees are mandatory taxes levied by the government for the purchase or transfer of ownership during property transactions. These charges play a vital role in legalizing the property transaction. Contribute to the state’s revenue generation.

Registration fees are typically calculated based on the value of the transferred property. Failure to pay them can result in legal consequences. Buyers and sellers need to be aware of these fees to budget accordingly for their property transactions. This tax must be paid to the government to complete the process of registering the property in government records.

Stamp Duty and Registration Charges: How to Calculate?

The stamp duty calculation in Bangalore, Karnataka, is based on the real estate market value of the property or circle rates applicable in that area. Below are some steps that will help in calculating stamp duty and registration charges in Bangalore.

• Multiply the total value of your property by the stamp duty as per the government. Let’s say 3 percent, then the formula to use is Property Value X 3/100
• Calculate the applicable registration charges in Bangalore for your property. Since the charge in Bangalore is 1 percent, the property value X 1/100 formula applies.
• Once you arrive at a specific registration charge and stamp duty, add them to the property price. After making all these additions, you arrive at the deal’s total value.

How to Pay Stamp Duty and Registration Charges Online in Bangalore

Stamp duty charges in Bangalore are Two thousand can be paid online only. For stamp duty amounts above ₹2,000, householders should follow the steps below:

• Visit the Khajane-II portal of the Karnataka State Government
• Scrolling down and clicking the ‘Generate Challan’ option will take you to another page
• In the DDO Office section, fill in the necessary details like Department, Type of Registration, and Sub-Registrar Office.
• In the third section, select Agreement of Sale under Sub-Purpose and Stamp Duty in Purpose.
• After filling in the required details, you will be requested to provide the stamp duty figure and mode of payment.
• Click on submit and enter the CAPTCHA code. Make payment through the preferred mode.

Also read: Housing Projects in Bangalore: Top Appreciation Residential Project

Why Stamp Duty and Registration Charges Are Important

• They provide legal recognition to the property transaction.
• The charges act as official proof of ownership, ensuring the buyer’s rights over the property.
• They help the government maintain accurate property records, reducing the chances of fraud.
• Payment of these charges also contributes to state revenue, which funds infrastructure and development.

Current Stamp Duty Rates in Bangalore 2025

As of 2025, the government of Karnataka has maintained the following rates for stamp duty:

• Property value above ₹45 lakh – 5% stamp duty
• Property value between ₹20 lakh to ₹45 lakh – 3% stamp duty
• Property value below ₹20 lakh – 2% stamp duty

Registration charges remain at 1% of the property value, regardless of category.

For women buyers, a small concession on stamp duty is often provided to encourage property ownership, although it varies depending on government policy updates.

Factors That Influence Stamp Duty and Registration Charges in Bangalore

Several factors determine the final amount a buyer pays:

1. Property Value: Higher-value properties attract higher duties.
2. Property Location: Prime areas in Bangalore may have higher guideline values.
3. Type of Property: Residential, commercial, or agricultural use can influence rates.
4. Gender of Buyer: Women buyers may receive concessional rates.
5. Loan Involvement: If the property is purchased with a home loan, the agreement is also stamped.

Exemptions and Concessions Available in Bangalore

Certain exemptions or reduced rates are provided under specific conditions:

• Women Buyers: In some cases, women receive a 1% reduction in stamp duty.
• Affordable Housing Schemes: Lower rates may apply to government-supported housing projects.
• Family Transfers: Transfers of property within family members may attract lower duties.

Penalties for Non-Payment or Delay

If stamp duty and registration charges are not paid on time, the buyer may face:

• Penalty Charges: Usually a percentage of the unpaid duty.
• Legal Consequences: The property may not be considered legally valid.
• Dispute Risks: Future resale or transfer may become complicated without proper registration.

Documents Required for Stamp Duty and Registration in Bangalore

When registering a property, the following documents are generally required:

• Sale deed or agreement
• Identity proof of buyer and seller (Aadhaar, PAN card, etc.)
• Property card and previous ownership documents
• Encumbrance certificate
• Latest property tax receipts
• Loan documents (if applicable)

Carrying original and photocopies ensures smooth processing at the sub-registrar office.

Role of Sub-Registrar Offices in Bangalore

The sub-registrar’s office is the authority that:

• Verifies property documents.
• Collects stamp duty and registration charges in Bangalore.
• Records property transactions officially.
• Issues registered sale deeds to buyers.

Without this step, the property transaction remains incomplete.Can Stamp Duty Be Claimed for Tax Benefits?

Under the Income Tax Act, Section 80C, buyers can claim deductions on stamp duty and registration charges up to the prescribed limit. However, this is applicable only for residential properties and not for commercial or investment properties.

Common Mistakes to Avoid During Payment

1. Relying only on market rates instead of government guidance values.
2. Failing to update encumbrance certificates before purchase.
3. Underpaying stamp duty, which may cause legal complications later.
4. Not cross-verifying the online calculation of charges.
5. Missing required documents on the day of registration.

Future Trends in Stamp Duty and Registration Charges in Bangalore

• Digitization: More property-related services will shift online, reducing manual paperwork.
• GIS Mapping: Integration of property maps with valuation data for better accuracy.
• Policy Revisions: Possible changes in rates to encourage housing affordability.
• Simplified Access: Easier online payment systems for faster transactions.

Conclusion

Stamp duty and registration charges in Bangalore are essential fees that home buyers must be aware of while purchasing property. These charges can vary depending on the property’s value and location, so you must include them in your budget when buying a home in Bangalore.

Understanding the specific stamp duty and registration charges applicable to your property transaction is essential. Awareness of these fees can help avoid unexpected financial burdens during a home purchase.

Also read: Guidance Value Bangalore: Property Tax Impact in 2024

Frequently Asked Questions

Q. What is the current stamp duty rate in Bangalore in 2025?
In 2025, stamp duty in Bangalore is 5% for properties valued above ₹45 lakh, 3% for properties between ₹20–45 lakh, and 2% for properties below ₹20 lakh.

Q. How much are registration charges in Bangalore?
Registration charges are fixed at 1% of the property value, irrespective of the property category.

Q. Can stamp duty and registration charges be paid online in Bangalore?
Yes. Payments can be made through the Kaveri Online Services portal, where buyers can calculate charges, pay online, and generate an e-stamp certificate.

Q. Are there any concessions on stamp duty for women in Bangalore?
Yes, women buyers may receive a 1% reduction in stamp duty, subject to the latest state government policies.