When you buy a home in Karnataka, the price on the brochure is not the final amount you pay. On top of the agreement value, you pay stamp duty and registration charges to the state government.
For a home at Mana Vista, priced between Rs 1.10 Cr and Rs 1.69 Cr, that extra cost is roughly Rs 6.6 lakh to Rs 11.83 lakh.
This guide explains the rates in 2026, works out the exact numbers for a Mana Vista home, and covers the February 2026 guidance value revision that pushed the cost higher in metro-adjacent areas.
Stamp duty and registration charges in Karnataka in 2026
Stamp duty is a tax on the property transaction. Registration is the fee for recording the sale deed with the sub-registrar. Both are paid by the buyer at the time of registration.
| Charge | Rate | What it covers |
|---|---|---|
| Stamp duty | 5% of the property value | Tax on the sale deed |
| Registration fee | 1% of the property value | Recording the deed with the sub-registrar |
| Surcharge and cess | Varies by property and location | Additional levies on top of stamp duty |
| Total to budget | 6% to 7% of the property value | Stamp duty plus registration plus surcharge and cess |
Budget 6% to 7% of the agreement value for these charges. Check the exact figure on the Kaveri portal before you register, because surcharge and cess can vary.
What a Mana Vista buyer pays
Mana Vista is priced from Rs 1.10 Cr to Rs 1.69 Cr. Here is what stamp duty and registration add at each price point.
| Home price | Stamp duty at 5% | Registration at 1% | Total at 6% | Total at 7% |
|---|---|---|---|---|
| Rs 1.10 Cr | Rs 5.50 lakh | Rs 1.10 lakh | Rs 6.60 lakh | Rs 7.70 lakh |
| Rs 1.40 Cr | Rs 7.00 lakh | Rs 1.40 lakh | Rs 8.40 lakh | Rs 9.80 lakh |
| Rs 1.69 Cr | Rs 8.45 lakh | Rs 1.69 lakh | Rs 10.14 lakh | Rs 11.83 lakh |
So a buyer at the entry price of Rs 1.10 Cr should keep about Rs 7 lakh aside for these charges, and a buyer at the top price of Rs 1.69 Cr should keep about Rs 12 lakh aside. This is separate from the home loan, GST on under-construction homes, and interiors. See the full Mana Vista price breakdown before you plan your budget, and read Is Mana Vista Worth It at Rs 1.10 Cr to Rs 1.69 Cr? for a value check at each price point.
The February 2026 guidance value revision
Karnataka revised guidance values across Bangalore in February 2026. Guidance value is the minimum value the government assigns to a property in an area, and stamp duty is calculated on the guidance value or the agreement value, whichever is higher.
Metro-adjacent zones saw some of the steepest increases, in some corridors 25% to 40% above the earlier values. That directly raises the stamp duty outflow, because a higher guidance value means a higher base for the 5% stamp duty.
For a buyer, the practical effect is simple. If the guidance value for your property is higher than the price you agreed with the builder, you pay stamp duty on the guidance value, not on your agreement price. Ask the builder for the current guidance value of the specific unit before you finalise, and verify it on the Kaveri portal.
How stamp duty is calculated
Stamp duty is charged on the higher of two figures. The first is the agreement value, which is the price in your sale agreement. The second is the guidance value, which is the government-notified minimum value for that area and property type.
If you buy at a price above the guidance value, you pay on your agreement value. If you buy at a price below the guidance value, you pay on the guidance value. This is why the February 2026 revision matters. It lifted the floor in many areas, so more buyers now pay on the guidance value rather than on their agreement price.
How to pay stamp duty and registration
Stamp duty and registration in Karnataka are paid through the Kaveri portal, the online system of the Department of Stamps and Registration. The process is straightforward.
- Generate the challan on the Kaveri portal with the property details and the value.
- Pay online through the portal or at a designated bank.
- Book a slot at the sub-registrar office for registration of the sale deed.
- Carry the original sale deed, the challan, your ID proof, and the property documents to the appointment.
Keep the challan and the registered sale deed safe. You will need them for the khata transfer, the home loan, and any future resale.
Documents you need at registration
- Sale deed, signed by the buyer and the seller
- Stamp duty and registration challan from the Kaveri portal
- PAN card and Aadhaar card of the buyer and the seller
- Passport-size photographs
- Title deed and prior sale deeds of the property
- Encumbrance certificate
- RERA registration details of the project, where applicable
For a project like Mana Vista, the builder provides the title documents and the RERA details. Confirm the RERA registration and the occupancy certificate status before you register, and check the Mana Vista floor plan to confirm the exact unit and area you are buying.
Common mistakes buyers make
The most common mistake is budgeting only for the home price and discovering the stamp duty and registration cost at the last minute. On a Rs 1.40 Cr home, that is Rs 8.4 lakh to Rs 9.8 lakh, which is not a small amount to arrange at short notice.
The second mistake is not checking the guidance value. If the guidance value is higher than the agreement value, the stamp duty is higher than the buyer expected. Always check the guidance value before you sign the agreement.
The third mistake is assuming the rate is the same everywhere. Stamp duty and surcharge can vary by property type and location, so confirm the exact rate for your specific property on the Kaveri portal rather than relying on a general figure.
Stamp duty and registration charges in Karnataka: FAQs
What is the stamp duty rate in Karnataka in 2026?
Stamp duty is 5% of the property value for most homes, plus surcharge and cess. Registration is 1%. Budget 6% to 7% of the property value for both together.
How much is stamp duty on a Rs 1.10 Cr home in Bangalore?
At 5%, stamp duty on a Rs 1.10 Cr home is Rs 5.50 lakh. Registration at 1% adds Rs 1.10 lakh. Together with surcharge and cess, budget Rs 6.60 lakh to Rs 7.70 lakh.
Is stamp duty calculated on the agreement value or the guidance value?
Stamp duty is calculated on whichever is higher, the agreement value or the guidance value. Karnataka revised guidance values in February 2026, with metro-adjacent zones rising 25% to 40% in some corridors.
Who pays stamp duty and registration, the buyer or the seller?
The buyer pays stamp duty and registration charges in Karnataka.
Can stamp duty be paid online in Karnataka?
Yes. Stamp duty and registration are paid through the Kaveri portal, the online system of the Department of Stamps and Registration, Karnataka.
Planning your Mana Vista purchase
Stamp duty and registration are a fixed cost of buying a home, and they are easy to plan for once you know the rates. On a Mana Vista home, set aside 6% to 7% of the price, check the guidance value for your unit, and pay through the Kaveri portal at registration.
If you are still comparing options, see the best apartments near Wipro SEZ and Sarjapur Road under Rs 1.5 Cr, and the top 5 reasons to choose Mana Vista as your dream home. For the project layout and unit sizes, see the Mana Vista floor plan, and download the Mana Vista brochure for the full details. To discuss your purchase, contact us.