Stamp Duty and Registration Charges in Karnataka 2025

Stamp Duty and Registration Charges in Karnataka 2025. Stamp Duty and Registration Charges in Karnataka are important components of property transactions, ensuring legal validation and official recording. These charges are mandatory for property buyers to comply with state regulations. Knowing these charges is important for anyone involved in buying or selling property in Karnataka.
What is Stamp Duty in Karnataka?
Stamp duty is a legal tax imposed on property transactions in Karnataka. It is payable after the execution of property transactions and is essential for the legalisation of these transactions. The amount of stamp duty is determined based on the value, type, and location of the property. Paying stamp duty is mandatory to ensure that the property transaction is legally recognised.
Stamp Duty Rates & Registration Charges in Karnataka
The stamp duty and registration charges in Karnataka vary based on the property's value. Here is a detailed breakdown:

Property Value

Stamp Duty Charges

Registration Charges

Above Rs.45 Lakh

Rs.20 Lakh - Rs.45 Lakh

Below Rs.20 Lakh

These rates are uniform across all cities in Karnataka, including Bengaluru, Mysuru, and Hubballi. The registration charge remains constant at 1% of the property's value, irrespective of the buyer's gender.
Stamp Duty & Registration Charges for Different Cities in Karnataka
The stamp duty and registration charges are consistent across various cities in Karnataka. Whether you're purchasing property in urban areas like Bengaluru or rural regions, the charges remain the same. This uniformity simplifies the process for property buyers and ensures transparency in transactions.
Stamp Duty for Different Deeds in Karnataka
Different types of property-related deeds attract varying stamp duty and registration charges in Karnataka. Understanding these charges is essential for accurate financial planning during property transactions.

Type of Deed

Stamp Duty Fee

Registration Charge

Adoption Deed

Rs.1,000

Rs.200

Affidavit

Rs.100

Agreement of DTD (Deposit of Title Deeds)

0.5% (minimum Rs.500)

0.01% (minimum Rs.200 and maximum Rs.25,000)

Exchange

5% on market value (on the higher value of the two) + Additional duty + Surcharge

Mortgage (Possession of Property is Given)

5% + Surcharge

Rs.5 for every Rs.25,000 or part thereof (maximum Rs.25,000)

Mortgage (When Possession of Property is Not Given)

0.5% + Surcharge

0.5% (maximum of Rs.10,000)

Mortgage Property (Reconveyance)

Rs.200

Will

NIL

Maximum Rs.200

Gift to Non-Family Member

5% + Additional duty + Surcharge

Gift to a Family Member

Rs.5,000 (For BMRDA, BBMP, City Corporation Property), Rs.3,000 (For City, Municipal Council or Town Panchayath Property), Rs.1,000 (For Other Property)

Rs.500

Sale

These charges are applicable based on the nature of the deed and the relationship between the parties involved. For instance, gifting property to a family member incurs lower charges compared to gifting to a non-family member.
Registration Charges in Karnataka in 2025
In 2025, the registration charges for property transactions in Karnataka are set at 1% of the property's market value. This rate is consistent across all cities and is applicable regardless of the buyer's gender. The uniformity in registration charges simplifies the process for property buyers and ensures transparency in transactions.
How to Calculate Stamp Duty in Karnataka?
Calculating stamp duty in Karnataka involves determining the property's consideration amount or market value, whichever is higher. The stamp duty is then calculated as a percentage of this value, based on the applicable rates.
For example:
If Amit is purchasing a residential apartment in Bengaluru with a market value of ?60 lakhs:

Stamp duty = 5% of Rs.60,00,000 = Rs.3,00,000

Registration charges = 1% of Rs.60,00,000 = Rs.60,000

Therefore, Amit has to pay a total of Rs.3,60,000 (Rs.3,00,000 + Rs.60,000) during the time of registration.
How to Pay Stamp Duty in Karnataka?
There are two primary methods to pay stamp duty in Karnataka:
E-stamping
E-stamping is a convenient and secure method for paying stamp duty. The process involves:

Visiting the Stock Holding Corporation of India Limited (SHCIL) website.

Clicking on 'Login', selecting 'e-Stamping', and choosing 'Citizen Login'.

Registering and logging in using your credentials.

Selecting the 'Pay Stamp Duty/eCourt Fee Generation/eRegistration Fee Payment' option.

Entering the required information.

Making the payment via net banking, credit, or debit card.

Printing out the e-stamp or receipt.NoBroker+1SOBHA Limited+1

Alternatively, you can visit authorised collection centres (ACC) or stockholding e-stamping counters to pay the stamp duty offline. Fill in the 'Application of Stamp Duty' form and submit it along with the stamp duty charge in cash.
Franking
Franking involves visiting an authorised franking centre or bank to frank property documents. The franking process ensures that the documents meet the necessary legal requirements and are duly stamped. This method is often used for certain types of property transactions.
Concessions and Exemptions on Stamp Duty in Karnataka
The Karnataka government provides certain exemptions and concessions on stamp duty to promote specific sectors and support various groups. Notably, there is a 100% exemption of stamp duty for Micro, Small, and Medium Enterprises (MSMEs) for loan agreements, mortgages, credit deeds, and hypothecation deeds executed for availing loans from the following institutions:

Khadi and Village Industries Commission

Karnataka State SC/ST Development Corporation

Regional Rural Banks

Co-operative Banks

National Level Financial Institutions

State Financial Corporation

Commercial Banks

Khadi and Village Industries Board

Karnataka State Minority Development Corporation

These exemptions aim to encourage entrepreneurship and support the growth of small and medium enterprises in the state.
Knowing the stamp duty and registration charges in Karnataka is essential for property buyers and sellers to ensure compliance with legal requirements and to plan their finances effectively. Being aware of the applicable rates, payment methods, and available exemptions can facilitate a smooth property transaction process.

Stamp Duty and Registration Charges in Karnataka are important components of property transactions, ensuring legal validation and official recording. These charges are mandatory for property buyers to comply with state regulations. Knowing these charges is important for anyone involved in buying or selling property in Karnataka.

What is Stamp Duty in Karnataka?

Stamp duty is a legal tax imposed on property transactions in Karnataka. It is payable after the execution of property transactions and is essential for the legalisation of these transactions. The amount of stamp duty is determined based on the value, type, and location of the property. Paying stamp duty is mandatory to ensure that the property transaction is legally recognised.

Stamp Duty Rates & Registration Charges in Karnataka

The stamp duty and registration charges in Karnataka vary based on the property's value. Here is a detailed breakdown:

Property Value	Stamp Duty Charges	Registration Charges
Above Rs.45 Lakh	5%	1%
Rs.20 Lakh - Rs.45 Lakh	3%	1%
Below Rs.20 Lakh	2%	1%

Stamp Duty & Registration Charges for Different Cities in Karnataka

The stamp duty and registration charges are consistent across various cities in Karnataka. Whether you're purchasing property in urban areas like Bengaluru or rural regions, the charges remain the same. This uniformity simplifies the process for property buyers and ensures transparency in transactions.

Stamp Duty for Different Deeds in Karnataka

Different types of property-related deeds attract varying stamp duty and registration charges in Karnataka. Understanding these charges is essential for accurate financial planning during property transactions.

Type of Deed	Stamp Duty Fee	Registration Charge
Adoption Deed	Rs.1,000	Rs.200
Affidavit	Rs.100	-
Agreement of DTD (Deposit of Title Deeds)	0.5% (minimum Rs.500)	0.01% (minimum Rs.200 and maximum Rs.25,000)
Exchange	5% on market value (on the higher value of the two) + Additional duty + Surcharge	1%
Mortgage (Possession of Property is Given)	5% + Surcharge	Rs.5 for every Rs.25,000 or part thereof (maximum Rs.25,000)
Mortgage (When Possession of Property is Not Given)	0.5% + Surcharge	0.5% (maximum of Rs.10,000)
Mortgage Property (Reconveyance)	Rs.200	Rs.200
Will	NIL	Maximum Rs.200
Gift to Non-Family Member	5% + Additional duty + Surcharge	1%
Gift to a Family Member	Rs.5,000 (For BMRDA, BBMP, City Corporation Property), Rs.3,000 (For City, Municipal Council or Town Panchayath Property), Rs.1,000 (For Other Property)	Rs.500
Sale	5%	1%

Registration Charges in Karnataka in 2025

In 2025, the registration charges for property transactions in Karnataka are set at 1% of the property's market value. This rate is consistent across all cities and is applicable regardless of the buyer's gender. The uniformity in registration charges simplifies the process for property buyers and ensures transparency in transactions.

How to Calculate Stamp Duty in Karnataka?

Calculating stamp duty in Karnataka involves determining the property's consideration amount or market value, whichever is higher. The stamp duty is then calculated as a percentage of this value, based on the applicable rates.

For example:

If Amit is purchasing a residential apartment in Bengaluru with a market value of ?60 lakhs:

Stamp duty = 5% of Rs.60,00,000 = Rs.3,00,000
Registration charges = 1% of Rs.60,00,000 = Rs.60,000

Therefore, Amit has to pay a total of Rs.3,60,000 (Rs.3,00,000 + Rs.60,000) during the time of registration.

How to Pay Stamp Duty in Karnataka?

There are two primary methods to pay stamp duty in Karnataka:

E-stamping

E-stamping is a convenient and secure method for paying stamp duty. The process involves:

Visiting the Stock Holding Corporation of India Limited (SHCIL) website.
Clicking on 'Login', selecting 'e-Stamping', and choosing 'Citizen Login'.
Registering and logging in using your credentials.
Selecting the 'Pay Stamp Duty/eCourt Fee Generation/eRegistration Fee Payment' option.
Entering the required information.
Making the payment via net banking, credit, or debit card.
Printing out the e-stamp or receipt.NoBroker+1SOBHA Limited+1

Franking

Franking involves visiting an authorised franking centre or bank to frank property documents. The franking process ensures that the documents meet the necessary legal requirements and are duly stamped. This method is often used for certain types of property transactions.

Concessions and Exemptions on Stamp Duty in Karnataka

The Karnataka government provides certain exemptions and concessions on stamp duty to promote specific sectors and support various groups. Notably, there is a 100% exemption of stamp duty for Micro, Small, and Medium Enterprises (MSMEs) for loan agreements, mortgages, credit deeds, and hypothecation deeds executed for availing loans from the following institutions:

Khadi and Village Industries Commission
Karnataka State SC/ST Development Corporation
Regional Rural Banks
Co-operative Banks
National Level Financial Institutions
State Financial Corporation
Commercial Banks
Khadi and Village Industries Board
Karnataka State Minority Development Corporation

These exemptions aim to encourage entrepreneurship and support the growth of small and medium enterprises in the state.

Knowing the stamp duty and registration charges in Karnataka is essential for property buyers and sellers to ensure compliance with legal requirements and to plan their finances effectively. Being aware of the applicable rates, payment methods, and available exemptions can facilitate a smooth property transaction process.