Karnataka Stamp Duty and Registration Charges in 2026

Stamp duty and registration are among the largest costs on top of a flat's price. This guide covers Karnataka stamp duty on flat purchase 2026, the registration fee, and the RERA rules that protect buyers, with examples based on Codename Club Class.

Stamp Duty Rates

Stamp duty in Karnataka is charged in slabs by property value:

• Up to ₹20 lakh: 2%

• ₹20–45 lakh: 3%

• Above ₹45 lakh: 5%

In urban areas such as Bengaluru, a cess of about 10% and a surcharge of about 2% are added to the base duty. For a home above ₹45 lakh, that takes the effective stamp duty to roughly 5.6% of the value.

Registration Charges Bangalore Buyers Pay

Registration charges Bangalore buyers pay are 2% of the property value. The fee was raised from 1% to 2% in August 2025, the first revision in many years.

Which Value Is Used

Duty is charged on the higher of the sale price and the government guidance value for the area. Paying below guidance value does not reduce the duty.

A Worked Example

For the Club Class entry 3 BHK at ₹2.15 Cr, and assuming that figure is above the guidance value:

• Stamp duty at about 5.6%: roughly ₹12 lakh

• Registration at 2%: about ₹4.3 lakh

That is roughly ₹16.3 lakh before GST and other charges. Your actual figure depends on the final agreement value, the guidance value and the rates in force when you register.

When You Pay

Stamp duty and registration are paid when the document is registered at the sub-registrar's office, and the timing for an under-construction home depends on when the agreement for sale and the sale deed are registered. Ask our team to set out the timing for your unit, so you can plan the cash alongside your construction-linked instalments.

Karnataka RERA Rules for Buyers

Karnataka RERA rules for buyers follow the national Real Estate (Regulation and Development) Act. Key protections include:

• Registration: projects above the threshold size must be registered before they are sold.

• Advance limit: a developer cannot take more than 10% of the price before signing a registered agreement for sale.

• Carpet area: homes must be sold on carpet area.

• Escrow: a share of buyer payments must be kept in a separate account for the project.

• Defects: structural defects reported within five years of possession must be fixed by the developer.

At Club Class, Karnataka RERA registration is awaited.

Tips

• Budget stamp duty and registration from the start, alongside 5% GST on under-construction homes.

• Check current rates on the Kaveri Online Services portal before registering.

• Ask our team for a unit-wise cost sheet.

The Takeaway

Karnataka stamp duty on flat purchase 2026 adds roughly 7.6% to the price of a home above ₹45 lakh, once registration is included. Read the Codename Club Class RERA status, or see unit prices on our price page. This is general information; confirm current rates before you register.

Related reading: the Codename Club Class RERA status and tax benefits of buying before March 31.

FAQs

1. What is the stamp duty on a flat in Bangalore?
   5% for homes above ₹45 lakh, plus cess and surcharge, taking the effective rate to roughly 5.6%.

2. What is the registration fee in Karnataka?
   2% of the property value, raised from 1% in August 2025.

3. Is stamp duty charged on guidance value?
   On the higher of the sale price and the guidance value.

4. Can a developer take more than 10% before the agreement?
   No. Under RERA, a developer cannot take more than 10% of the price before a registered agreement for sale.