Karnataka Stamp Duty and Registration Charges for Flats in 2026

Government charges are one of the largest costs on top of a flat's price. This guide sets out the Karnataka stamp duty rates for flats 2026, how they are calculated and what they add to a home at Club Class. Rates can change, so confirm the current figures on the state's Kaveri registration portal before you register.

The stamp duty slabs

Stamp duty in Karnataka is charged by value slab: 2% for properties up to Rs 20 L, 3% for Rs 21 L to Rs 45 L, and 5% above Rs 45 L. Almost every flat in Bangalore's premium corridors falls in the 5% slab.

Cess and surcharge

On top of the duty, the state adds a cess of 10% of the stamp duty and, in urban areas, a surcharge of 2% of the stamp duty. For a flat above Rs 45 L, that takes the effective duty to about 5.6% of the value.

The registration fee

The registration fee was doubled from 1% to 2% of the value with effect from 31 August 2025. Together with duty, cess and surcharge, the total government charge on a flat above Rs 45 L comes to roughly 7.6% of the value.

Worked examples at Club Class

For the Rs 2.15 Cr entry 3 BHK, stamp duty with cess and surcharge comes to about Rs 12.04 L and the registration fee to about Rs 4.30 L, a total of about Rs 16.34 L. On the Rs 3.04 Cr 3.5 BHK, the figures are about Rs 17.02 L and Rs 6.08 L, a total of about Rs 23.10 L. GST at 5% on under-construction homes is separate; our cost sheet breakdown lists every charge.

Guidance value revision in Bangalore

Duty is charged on the higher of the declared value and the government guidance value for the area. A guidance value revision in Bangalore can therefore raise the duty even if the price stays the same. Revisions have been discussed during 2026, so check the current guidance value for the locality on the Kaveri portal before you register.

Karnataka RERA rules for buyers

Several Karnataka RERA rules for buyers work alongside these charges. A promoter cannot take more than 10% of the cost as an advance before a registered agreement for sale, carpet area must be stated in the agreement, and delays entitle buyers to interest or a refund with interest. Club Class's RERA registration is awaited; our tax benefits guide covers related deductions such as stamp duty under Section 80C.

In summary

Plan for roughly 7.6% on top of the price under the Karnataka stamp duty rates for flats 2026, plus GST. See the price list, visit the Codename Club Class homepage, or ask our team for a unit-wise cost sheet.

Related reading: Codename Club Class Cost Sheet Explained and Tax Benefits on Home Loans for a Second Home.

FAQs

1. What is stamp duty on a flat above Rs 45 L in Karnataka?
   5%, plus a cess of 10% and an urban surcharge of 2% on the duty, about 5.6% in total.

2. What is the registration fee?
   2% of the value, doubled from 1% with effect from 31 August 2025.

3. What is the total government charge?
   Roughly 7.6% of the value for a flat above Rs 45 L, excluding GST.

4. Is duty charged on the price or the guidance value?
   On the higher of the declared value and the guidance value.