10% TOTAL (8% + 2%). NO gender concession. NRI investment hub (Gulf NRIs major buyers). Thandapper + EC + Bhulekh verification.
KERALA: (1) 8% stamp + 2% registration = 10% TOTAL. (2) NO gender concession. (3) Gift relatives 1%. (4) Kochi, Thiruvananthapuram, Kozhikode same. EXAMPLE Kochi ₹80L flat: 10% × ₹80L = ₹8L. High among states (similar to TN 11%, MP 10.5%).
KERALA — major NRI investment market: (1) Gulf NRIs (UAE, Saudi, Oman) prominent buyers. (2) Kochi waterfront, Thiruvananthapuram tech corridor (Technopark). (3) Kozhikode + Kannur emerging. (4) Same 10% rates for NRI + resident. (5) NRO/NRE account funding mandatory. (6) Gulf NRI remittances → Kerala real estate major flow.
KERALA LAND RECORDS: (1) BHULEKH Kerala portal. (2) Khazana (revenue records). (3) Thandapper register. (4) Encumbrance Certificate (EC). (5) Mutation transfer post-purchase via Akshaya Centres. CRITICAL: verify before purchase. NRI buyers especially: remote verification possible.
KERALA REGISTRATION: (1) Visit Department of Registration Kerala (registration.kerala.gov.in). (2) Property valuation via Fair Value. (3) Calculate stamp duty online. (4) Pay via NetBanking. (5) Schedule SRO appointment. (6) Document registration 2-3 weeks. SUPPORTING: PAN + Aadhaar + thandapper + EC.
KERALA STRATEGY: (1) 10% stamp duty high — factor upfront. (2) NRI investment popular. (3) Kochi premium, Thiruvananthapuram government + tech. (4) Gift family 1% concessional rate. (5) NRI BUYERS: Gulf NRIs major demographic. (6) Thandapper + EC verification mandatory. (7) RERA registration check. (8) Kerala HRA + tenant laws favorable for landlords.