The price on the brochure is not the price you pay. Registering a home in Bengaluru adds government charges on top of the agreement value, and buyers who discover this at the registrar's office fund the shortfall from savings meant for interiors. Here is the arithmetic, upfront.
The components
- Stamp duty: 5% of consideration for properties above ₹45 lakh (lower slabs exist below that: 3% for ₹21-45 lakh, 2% under ₹21 lakh)
- Surcharge and cess on stamp duty: roughly another 0.5-0.6% of value in urban areas
- Registration fee: 1% of consideration
Rates are set by the Karnataka government and do change in budgets; treat the numbers below as planning figures and verify current rates at booking. GST (5% without input credit on under-construction homes) is separate and applies to the builder's invoice, not the registrar.
Worked examples (planning figures)
- ₹60 lakh flat: stamp duty ₹3.0L + surcharge/cess ~₹0.35L + registration ₹0.6L ≈ ₹3.95L (about 6.6%)
- ₹1 Cr flat: stamp duty ₹5.0L + surcharge/cess ~₹0.6L + registration ₹1.0L ≈ ₹6.6L
- ₹2 Cr flat: stamp duty ₹10.0L + surcharge/cess ~₹1.2L + registration ₹2.0L ≈ ₹13.2L
Three planning notes
Budget it from day one. On a ₹1 Cr purchase, keep ₹6.5-7L aside for registration day, over and above your down payment.
Loans do not cover it by default. Most lenders finance the agreement value; stamp duty and registration are typically out of pocket.
Guidance value matters. Duty is charged on the higher of your agreement value and the government guidance value for the property, in fast-moving corridors the two can diverge.
Want the all-in number for a specific project? Message us on WhatsApp and we will run the complete cost sheet, price, GST, duty, registration and the charges builders quote separately.