5% + cess + surcharge = 5.65% + 1% registration = 6.65% effective for > ₹45L. 3% for ₹35-45L. 2% for < ₹35L. Kaveri portal e-Stamping. A-Khata mandatory.
KARNATAKA STAMP DUTY: (1) PROPERTIES > ₹45L: 5% stamp + 0.5% cess + 10% surcharge on stamp = 5.65% + 1% registration = 6.65% TOTAL. (2) PROPERTIES ₹35-45L: 3% stamp duty (subsidy band). (3) PROPERTIES < ₹35L: 2% stamp duty. EXAMPLE Bangalore ₹1cr flat: 6.65% × ₹1cr = ₹6.65L stamp duty + registration. WOMEN BUYER: same rates, no separate concession in Karnataka (unlike Maharashtra).
BANGALORE REGISTRATION: (1) Visit Kaveri Online Services (kaveri.karnataka.gov.in). (2) Calculate stamp duty + registration via portal. (3) Pay online via NetBanking/UPI. (4) Generate e-Stamp + e-Receipt. (5) Schedule appointment at Sub-Registrar Office (SRO). (6) Visit SRO with all parties + 2 witnesses. (7) Biometric + photo capture. (8) Document registration complete in 1-2 weeks. ENCUMBRANCE CERTIFICATE (EC): order separately to verify property history.
KARNATAKA AFFORDABLE HOUSING SUBSIDY: (1) PROPERTIES < ₹35L: 2% stamp duty (subsidized for first-time buyers). (2) PROPERTIES ₹35-45L: 3% stamp duty. (3) PROPERTIES > ₹45L: 5.65% effective rate. SAVING: ₹40L property — 3% vs 5.65% = ₹1.06L SAVED on smaller properties. STRATEGIC: Bangalore peripheral areas (Whitefield extensions, Sarjapur, Devanahalli) often < ₹45L — qualify for 3% rate. Central Bangalore (Indiranagar, Koramangala) usually > ₹45L.
BANGALORE KHATA: BBMP-issued property document showing tax assessment. TYPES: A-Khata (full legal, can sell/loan), B-Khata (revenue records, restricted). CONVERSION: B-Khata to A-Khata via BBMP. STAMP DUTY: B-Khata properties cheaper but resale restricted. POST-PURCHASE: Apply for Khata transfer to your name + obtain Khata Extract + Khata Certificate. PROPERTY TAX: BBMP annual + based on Khata classification. KEY: Verify Khata status BEFORE purchase. A-Khata mandatory for home loans + future resale.
KARNATAKA PROPERTY STRATEGY: (1) AFFORDABLE BANDS: target < ₹45L for 3% rate. (2) JOINT REGISTRATION: spouse + self — distribute future rental income tax. (3) A-KHATA properties only for clean transaction. (4) BBMP property tax annually. (5) NRI BUYERS: same rates. PAN + NRO/NRE account documentation. (6) GIFT to family: 3% concessional rate (not standard 5.65%). (7) UNDIVIDED SHARE (UDS): apartment buyers share land — clarify in agreement. CONSULT property lawyer specializing in Bangalore real estate.