Bangalore, a city known for its booming real estate market, has seen a steady increase in property transactions over the years. As of 2025, the property registration process has undergone significant updates, which have a direct impact on both first-time buyers and seasoned investors. 

The latest changes to stamp duty and registration fees are essential to understand, especially given the substantial role these charges play in the total cost of property transactions.

For instance, if you are a first-time homebuyer, the increased registration fee could add a financial burden to your purchase decision. On the other hand, for an experienced investor, the adjustments in stamp duty rates may affect the profitability of upcoming real estate investments.

In this guide, we will break down the stamp duty and registration charges in Bangalore for 2025-26. We will also provide practical examples and key information that every property buyer or investor in Bangalore should know.

Overview

• The updated stamp duty rates in Bangalore for 2025 range from 2% for properties up to ₹20 Lakh to 5% for properties above ₹45 Lakh.

• Registration charges have increased to 2%, impacting the overall cost of property transactions.

• When calculating stamp duty for resale properties, the charge is based on the higher of the circle rate or the agreed purchase price.

• Various deed types, like lease deeds and joint development agreements, have different charges, often influenced by property use and development size.

• Surcharge and cess can add up to 1% to your total property cost, especially in high-value areas or commercial property transactions.

What are the Latest Stamp Duty Rates in Bangalore?

The stamp duty rates in Bangalore have seen some changes in 2025. The current rates are as follows:

• Up to ₹20 Lakh: 2%

• ₹20 Lakh to ₹45 Lakh: 3%

• Above ₹45 Lakh: 5%

These updates mean that for properties below ₹20 lakh, buyers will pay 2% of the transaction value as stamp duty. If the property value is between ₹20 lakh and ₹45 lakh, buyers will pay 3%, and for properties over ₹45 lakh, the stamp duty goes up to 5%.

For example, if you're purchasing an apartment worth ₹50 lakh in Bangalore, your stamp duty will amount to ₹2.5 lakh (5% of ₹50 lakh). On the other hand, if you're buying a plot for ₹25 lakh, you'll pay ₹75,000 (3% of ₹25 lakh).

To better understand the full financial impact of your property purchase, it’s essential to account for the recent increase in registration charges. Let’s now break down how this 2% increase will affect your total transaction costs in Bangalore.

Also Read: Top 10 Cities for Real Estate Investment in India (2026)

Registration Charges in Bangalore: Key Updates

In a significant update in 2025, the registration fee in Bangalore has increased from 1% to 2% of the property's transaction value.

For instance, if you are purchasing a property for ₹50 lakh, the registration fee would now be ₹1 lakh (2% of ₹50 lakh), an increase from ₹50,000 under the previous 1% rate.

These changes apply to both new and resale properties, so buyers need to account for the increase in the total transaction cost.

With this updated 2% registration fee, it’s important to calculate the total cost accurately. Let’s now break down the process for calculating stamp duty and registration charges to help you understand these costs with ease.

With rising registration costs and higher stamp duties, it’s important to understand the real cost of your property purchase. BCD India's advisory team can help you navigate these changes, ensuring you make well-informed investment decisions in Bangalore’s property market.

How to Calculate Stamp Duty and Registration Charges in Bangalore?

Calculating the stamp duty and registration charges can seem complex, but it’s straightforward when broken down through these examples:

1. New Apartment Purchase - ₹50 Lakh Example

• Stamp Duty: 5% of ₹50 Lakh = ₹2.5 Lakh

• Registration Fee: 2% of ₹50 Lakh = ₹1 Lakh

• Total Transaction Cost: ₹2.5 Lakh + ₹1 Lakh = ₹3.5 Lakh

2. Plot/Land Purchase - ₹30 Lakh Example

• Stamp Duty: 3% of ₹30 Lakh = ₹90,000

• Registration Fee: 2% of ₹30 Lakh = ₹60,000

• Total Transaction Cost: ₹90,000 + ₹60,000 = ₹1.5 Lakh

3. Resale Property

For resale properties, the stamp duty is calculated the same way as for new properties. However, it is important to note that if the circle rate is higher than the agreed purchase price, the stamp duty will be calculated based on the circle rate, not the purchase price.

Now, let’s check out the specific factors that affect your stamp duty and registration charges in Bangalore.

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Factors Affecting Stamp Duty & Registration Charges in Bangalore

Several factors influence the stamp duty and registration charges in Bangalore:

1. Property Value & Location

The property value directly influences stamp duty, with higher-value properties attracting higher charges. Prime locations like Koramangala, Indiranagar, and Whitefield see higher stamp duty due to market values, impacting your overall transaction cost.

2. Transaction Type

New properties and resale properties are taxed similarly, but commercial real estate or land purchases may incur additional charges due to their usage. Commercial land or development-focused transactions typically attract higher registration fees and stamp duty.

3. Buyer Profile

Stamp duty charges can vary based on the buyer’s profile. Women buyers typically enjoy a 1% discount on stamp duty in some cases. Meanwhile, corporate buyers often face different registration charges, especially when the property is for business or development purposes.

The stamp duty and registration charges can also vary based on the type of deed involved. Now, let’s examine the specific charges associated with different types of deeds, like conveyance, lease, and rental agreements in Bangalore.

Deed-Specific Charges: What You Need to Know

In addition to the general registration and stamp duty charges, there are specific fees for various types of deeds. Here’s what you need to know:

1. Conveyance Deed

This is one of the most common legal instruments in property transactions. The stamp duty for a conveyance deed is typically based on the property’s value, much like the general stamp duty.

2. Lease Deed

A lease deed involves registration charges as well, but the rate is typically lower than that of a sale deed. However, the length of the lease and property type can affect the fees.

3. Joint Development Agreement (JDA)

For developers and real estate builders, a Joint Development Agreement can carry substantial charges due to the high value of the development and the specific conditions of the agreement.

4. Rental Agreement & Cancellation Deed

For rental properties, the registration fee is usually nominal but may differ depending on the duration of the lease. Similarly, if you're cancelling a property agreement, the cancellation deed incurs a minimal charge, but the process must be followed properly to avoid disputes.

Understanding these details for different types of deeds ensures you're fully prepared for the costs associated with property transactions. Let’s now explore the surcharge and cess that can further affect your registration fees in Bangalore.

Surcharge and Cess on Stamp Duty in Bangalore

In addition to stamp duty and registration charges, there is often an additional surcharge and cess imposed. The surcharge typically ranges from 0.5% to 1% of the property’s value, depending on the specific location or property category.

For example, if you're buying a ₹50 lakh apartment in Bangalore, and the surcharge is 0.5%, the additional cost would be ₹25,000. The surcharge rate was revised in 2025, meaning buyers must be aware of these updates to avoid unexpected costs.

By factoring in the surcharge and cess, you can better plan your total property costs and avoid unexpected charges. Next, we’ll walk through the tax benefits.

Tax Benefits on Stamp Duty & Registration Charges in Bangalore 2025-26

Property buyers in Bangalore can benefit from certain tax deductions related to stamp duty. Under Section 80C of the Income Tax Act, a deduction for the stamp duty paid on the property can be claimed, provided the property is being bought for residential purposes. This deduction can be up to a maximum deduction of ₹1.5 lakh.

Key points to note:

• First-Time Homebuyers: Buyers who have never done a property investment can take advantage of additional tax exemptions provided by both the central and state governments.

• Capital Gains Tax: If you’re investing in property, stamp duty can be factored into the capital gains tax calculation when you sell the property later, which can reduce your overall tax liability.

By understanding the tax benefits available for stamp duty and registration charges, you can save significantly. Let’s now take a look at how to pay these charges efficiently, both online and offline, in Bangalore.

How to Pay Stamp Duty and Registration Charges in Bangalore?

Paying stamp duty and registration charges in Bangalore can be straightforward once you know the available methods. Here’s how you can easily complete the payment, whether you prefer to do it online or offline.

1. Online Payment Process

To pay stamp duty and registration fees online, you can visit the Karnataka government's official e-portal for property registration. Simply follow the step-by-step guide, upload your documents, and make the payment through net banking.

2. Offline Payment Process

For those who prefer to pay offline, the payment must be made at the local sub-registrar's office. Ensure that all required documents (sale deed, identity proof, etc.) are ready for submission. Once submitted, the fee will be processed, and a receipt will be issued.

Now that you know the steps for both online and offline payments, you can choose the most convenient method for your transaction. However, you should also be aware of the steps required to register a property in Bangalore. 

Step-by-Step Property Registration in Bangalore

Understanding the property registration process in Bangalore is essential for a smooth transaction. Here’s a step-by-step guide to help you understand the essential documents, appointments, payments, and tips to avoid any registration issues.

1. Necessary Documents for Property Registration in Bangalore

To initiate property registration in Bangalore, you need to gather essential documents: a valid government-issued ID for identity verification, a signed sale agreement confirming the transaction, and proof of ownership (such as the previous sale deed or title deed).

2. Booking an Appointment at the Sub-Registrar Office

Once your documents are ready, schedule an appointment at the local sub-registrar's office. During this appointment, your documents will be carefully reviewed and verified for accuracy. Ensure all documents are complete to avoid delays in registration.

3. Submission of Documents and Payment of Fees

At your scheduled appointment, submit all necessary documents for verification. After successful verification, proceed to pay the stamp duty and registration fees based on the property’s market value. As mentioned earlier, payment can be made online or offline, depending on your preference.

4. Avoiding Common Pitfalls in the Registration Process

To prevent surprises, double-check the surcharge and circle rate to ensure you’re paying the correct stamp duty amount. It’s also advisable to consult a property expert to ensure transparency in payments, avoiding potential discrepancies during the process.

By following this step-by-step guide and being mindful of common pitfalls, you can complete your property registration in Bangalore with confidence. 

Also Read: Top 10 Real Estate Trends Shaping India in 2025

Conclusion

Understanding property registration charges in Bangalore for 2025-26 is essential for anyone planning a purchase, whether it’s a first home, an upgrade, or an investment-led acquisition. With revised stamp duty slabs, the increased 2% registration fee, and changing surcharge rules, the total cost of ownership has shifted.

Factoring in circle rates, deed-specific charges, and available tax benefits helps buyers avoid last-minute surprises and evaluate properties with clarity. Additionally, staying informed ensures every decision is grounded in accurate numbers, not assumptions.

Lastly, for trusted insights on Bangalore’s real estate trends, market shifts, and practical guidance, stay updated with Ashwinder R. Singh’s newsletter for weekly expert updates.

FAQs

1. What are the differences in stamp duty for residential vs commercial properties?

Residential properties follow slab-based rates, whereas commercial units generally attract higher stamp duty due to their business use, larger ticket sizes, and additional levies. This leads to higher upfront transaction costs for commercial and industrial real estate.

2. How can I reduce my registration fees in Bangalore?

You cannot directly reduce statutory fees, but expenses can be optimised through female ownership benefits or Section 80C deductions on stamp duty. You can also perform an accurate valuation to avoid circle-rate penalties and ensure all documents meet regulatory and compliance requirements.

3. Is stamp duty refundable in Bangalore?

Stamp duty is generally not refundable, but refunds may be approved in rare cases, such as double payment, rejected deeds, or invalidation by the registrar. Buyers must apply through the sub-registrar's office with supporting documents, and approvals depend on government verification.

4. Do under-construction and ready-to-move homes attract the same stamp duty in Bangalore?

Yes. Both under-construction and ready-to-move properties attract the same stamp duty slab rates in Bangalore. However, under-construction units may incur GST at 5% or 1%, which does not apply to ready-to-move homes, affecting the overall acquisition cost.

5. Does Bangalore offer any stamp duty rebates for senior citizens?

As of 2025, Bangalore does not offer senior-citizen-specific stamp duty concessions. Charges remain the same across age groups. Any available benefit usually applies only to women buyers or through central tax deductions, not age-based rebates.