If you’re planning to purchase residential property in Bangalore, Karnataka, in 2025, understanding the stamp duty and registration charges is essential.
These charges, levied by the government, significantly impact the total cost of property acquisition. Knowing the rates and how they apply can help you make informed financial decisions and avoid unexpected expenses.
Stamp duty rates in Bangalore 2025
Stamp duty is a tax imposed on property transactions by the state government.
In Karnataka, the stamp duty rates are categorised based on the property’s market value. As of 2025, the stamp duty rates in Bangalore are as follows:
- Properties valued up to ₹20 lakh: 2% of the property value.
- Properties valued between ₹21 lakh and ₹35 lakh: 3% of the property value.
- Properties valued above ₹35 lakh: 5% of the property value.
These rates apply uniformly across residential and commercial properties. However, to encourage female property ownership, the Karnataka government offers concessions for properties registered in the name of women.
Registration charges in Bangalore 2025
In addition to the stamp duty, buyers must pay a registration fee to officially register the property in their name.
The registration charges in Bangalore for 2025 are set at 1% of the property’s market value, regardless of the property’s worth. There is no cap on the registration fee, making it proportional to the property’s value.
Calculation example
To understand how these charges add up, let’s consider an example. Suppose you are buying a residential property in Bangalore valued at ₹50 lakh:
- Stamp duty: 5% of ₹50,00,000 = ₹2,50,000
- Registration fee: 1% of ₹50,00,000 = ₹50,000
- Total charges: ₹2,50,000 (Stamp Duty) + ₹50,000 (Registration Fee) = ₹3,00,000
This calculation highlights the significant contribution of stamp duty and registration charges to the total cost of acquiring property.
Concessions and exemptions
- Women buyers: Women are eligible for a reduced stamp duty rate of 2%, regardless of the property value. This initiative is aimed at promoting property ownership among women in Karnataka.
- Affordable housing: Properties falling under the affordable housing scheme may qualify for additional concessions, depending on government policies and regulations.
Payment process
The Karnataka government has streamlined the process of paying stamp duty and registration charges through an online portal. Here’s a step-by-step guide:
- Visit the official website: Access the Karnataka Department of Stamps and Registration’s official website.
- Calculate dues: Use the online calculator to estimate your stamp duty and registration charges based on the property’s value and location.
- Make payment: Complete the payment process online using the provided options. Ensure you have all the necessary property details and documents ready.
- Obtain receipt: After completing the payment, download the receipt for your records and present it during the property registration process.
Importance of timely payment
Timely payment of stamp duty and registration fees is crucial to avoid penalties and ensure the smooth legal transfer of property ownership. Delayed payments can attract interest charges and fines, increasing the overall cost of property acquisition.
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Conclusion
Understanding the stamp duty and registration charges in Bangalore, Karnataka, in 2025 is vital for any prospective property buyer. These charges form a significant part of the overall property purchase cost, and being informed about them helps in better financial planning.
At Shapoorji Pallonji Real Estate, we are committed to providing comprehensive guidance to our clients, ensuring they have a clear understanding of all costs associated with property acquisition.
For the most accurate and up-to-date information, always refer to the official Karnataka government websites or consult with legal and financial experts.
Originally Published at - https://industryupdates.medium.com/stamp-duty-and-registration-charges-in-bangalore-karnataka-2025-153fcd71a6c2
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