Karnataka Stamp Duty Calculator

Frequently asked questions

What is the stamp duty rate in Karnataka?

Karnataka levies a representative urban stamp duty of about 5.00%, plus around 1% registration. Rates vary by location (urban vs rural), property type, and value slab, so confirm the exact figure with the sub-registrar.

Is stamp duty calculated on the circle rate or the agreement value?

Stamp duty is calculated on whichever is higher: the agreement (sale) value or the government circle rate (also called the ready reckoner rate). If you buy a property below the circle rate, the authorities will still use the circle rate as the basis. This prevents under-reporting of property values and ensures the state collects duty on the fair market value.

Can stamp duty be paid online in Karnataka?

Most states, including Karnataka, allow stamp duty to be paid online through the state's e-Stamps portal or via authorised banks before registration. The generated e-stamp certificate must be presented at the sub-registrar's office along with the sale deed. Paying online is generally faster and reduces the risk of using counterfeit stamp paper.

Is stamp duty deductible under the Income Tax Act?

Yes. Stamp duty and registration charges paid on a residential property purchase are deductible under Section 80C of the Income Tax Act, up to the overall 80C ceiling of Rs 1.5 lakh per year. This deduction is available only for the year in which the payment is made. Commercial properties and properties purchased as a second home may not qualify, so verify eligibility with a tax advisor.