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Karnataka Stamp Duty Calculator — Calculations & Slabs for FY 2026-27

Enter your property value and location to calculate stamp duty (5.6%) and registration charges (1%) applicable in Karnataka under the Indian Stamp Act.

1. Transaction Details

Ready to Calculate

Enter the property agreement value on the left, then click Calculate or change fields to view your detailed transaction tax breakdown.

Understanding Karnataka Stamp Duty & Registration Fees 2026

When registering property in Karnataka (such as in Bengaluru, Mysuru, or Mangaluru), buyers must pay stamp duty and registration fees. The calculations are based on the higher value between the sale agreement value and the government-published guidance value (circle rate).

Key Parameters Determining Property Registration Taxes in Karnataka:

  • Stamp Duty Slabs: Unlike many states, Karnataka structures stamp duty progressively based on the property cost bracket:
    • Properties valued under ₹21 Lakh attract a concessional rate of 2%.
    • Properties valued between ₹21 Lakh and ₹45 Lakh attract a rate of 3%.
    • Properties valued above ₹45 Lakh attract the standard rate of 5.6%.
  • Registration Fee: A flat registration fee of 1% is charged on the property value, with no upper cap or limit.

Income Tax Benefits on Stamp Duty:

Under Section 80C of the Income Tax Act, buyers can claim tax deductions of up to ₹1.5 Lakh on expenses paid towards stamp duty and registration fees in the financial year the property registration was completed.

Frequently Asked Questions (FAQs)

What are the progressive stamp duty slabs in Karnataka in 2026?

Karnataka structures stamp duty to favor affordable housing. Properties valued under ₹21 Lakh pay a 2% stamp duty. Properties between ₹21 Lakh and ₹45 Lakh pay 3% stamp duty. Properties valued above ₹45 Lakh pay the standard 5.6% stamp duty.

Is there a stamp duty concession for female buyers in Karnataka?

No. Karnataka does not offer gender-specific concessions on stamp duty. The progressive brackets (2%, 3%, and 5.6%) apply equally to all buyers regardless of gender. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Is the property registration fee capped in Karnataka?

No. Karnataka charges a flat 1% registration fee on the property agreement value or circle rate (whichever is higher), and there is no upper limit or cap on this fee. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Can I download the details generated by this calculator?

Yes. Click the download report button to get a full PDF summary of your inputs, timeline, and calculated benefits.

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

What Does This Calculator Do?

This calculator estimates the stamp duty and registration charges for buying property in Karnataka (urban and rural areas) under the latest 2026 tax slabs. It breaks down the costs based on property value and registration location.

How to Use It

  1. Property Value (₹): Input the property value or guidance value, whichever is higher.
  2. Registration Location: Choose between Urban Areas (e.g., Bengaluru BBMP limits) or Rural Areas.

The Logic Explained Simply

  • The Concept: Stamp duty in Karnataka is calculated on a tiered system based on the property value to provide relief to budget home buyers. Properties registered within urban municipal limits attract a base stamp duty of 5% plus a 10% surcharge (total 5.6%). Lower value properties under ₹45 Lakh receive concessional rates. The registration fee is a flat 1% of the property value, with no maximum cap.
  • The Formula:
  • Urban Stamp Duty Slabs (including cesses):
  • Under ₹21 Lakh: 2%
  • ₹21 Lakh to ₹45 Lakh: 3%
  • Over ₹45 Lakh: 5.6%
  • Registration Fee: 1% flat of the property value
  • Total Overhead = Stamp Duty + Registration Fee

Real-World Calculation Breakdown

For example, you buy an urban flat in Bengaluru valued at ₹60,00,000:

  1. Stamp Duty: Since the value is over ₹45 Lakh, the stamp duty rate is 5.6%.
  • Stamp Duty = ₹60,00,000 × 5.6% = ₹3,36,000.
  1. Registration Fee: 1% flat of the property value.
  • Registration Fee = ₹60,0,000 × 1% = ₹60,000.
  1. Total Cost:
  • Total Overhead = ₹3,36,000 + ₹60,000 = ₹3,96,000.
  • Total Property Cost = ₹60,00,000 + ₹3,96,000 = ₹63,96,000.

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