Stamp Duty and Registration Charges in Karnataka 2026

Stamp duty and registration fees are not optional add-ons. They are legal costs the Karnataka government charge to record your ownership. Skipping this step in your budget can throw off your entire loan plan. Most banks do not fund these charges as part of your home loan. You need to pay this amount from your own savings, on top of your down payment.

• Stamp Duty: A state tax that legally validates your sale agreement, charged as a percentage of the property values.
• Registration Charge: A separate fee paid to formally record your ownership in government land records.

Karnataka applies different stamp duty rates based on the price of the property. These slabs matter, since a large-format home like a Godrej Florenne rowhouse always falls in the top bracket.

Every Godrej Florenne typology starts at Rs 5.40 Cr. All buyers here fall under the 5 percent slab. There is no lower rate to check, regardless of which rowhouse size you choose.

Karnataka adds a surcharge and a cess on top of the base stamp duty rate. Both are calculated as a percentage of the stamp duty amount, not the property price directly. This extra layer often surprises first-time buyers who only budget for the headline 5 percent.

• Surcharge: An additional 10 percent of your stamp duty amount, charged within BBMP and other corporation limits.
• Cess: A further 10 percent of your stamp duty amount, used to fund local civic infrastructure.
• Combined Effect: These two charges raise your effective stamp duty from 5 percent to around 6 percent of the property value.

Registration charges in Karnataka are a flat 1 percent of the property value, regardless of the price slab. This fee covers the cost of officially recording your sale deed at the Sub-Registrar office. Unlike stamp duty, this rate does not change based on how much your rowhouse costs.

Combining stamp duty, surcharge, cess, and registration gives you the full picture. For most Godrej Florenne buyers, this works out to roughly 7 percent of the property value. The table below breaks this down for each typology at its starting price.

Here is the full step-by-step math for a 4 Bed Luxe rowhouse priced at Rs 6.55 Cr.

• Base Stamp Duty at 5 Percent: Rs 6,55,00,000 x 5 percent = Rs 32,75,000
• Surcharge at 10 Percent of Stamp Duty: Rs 32,75,000 x 10 percent = Rs 3,27,500
• Cess at 10 Percent of Stamp Duty: Rs 32,75,000 x 10 percent = Rs 3,27,500
• Total Effective Stamp Duty: Rs 39,30,000
• Registration Charge at 1 Percent: Rs 6,55,00,000 x 1 percent = Rs 6,55,000
• Total Government Charges: Rs 39,30,000 + Rs 6,55,000 = Rs 45,85,000

This amount comes on top of your base price and any GST already due on the rowhouses.

Karnataka now runs most of this process through the Kaveri 2.0 portal. This makes the payment simple, even for buyers who are not based in Bengaluru.

• Log in to Kaveri 2.0 using your PAN card and phone number for identity verification.
• Enter your rowhouse details, including the Godrej Florenne unit price and typology.
• Review the generated bill, which shows stamp duty, surcharge, cess, and registration separately.
• Pay the full amount through net banking or a bank transfer inside the portal itself.
• Book a slot at the local Sub-Registrar office to complete your signature and biometric steps.

• These Charges Cannot Be Financed: Banks generally calculate your loan on the base property price alone, not on stamp duty or registration.
• Rates Can Change Over Time: The Karnataka government can revise these rates before your possession date in December 2030.
• Charge Apply at Registration, Not Booking: You typically pay this amount when you formally register the sale deed, closer to possession.
• Keep Your Receipts Safe: Your stamp duty and registration receipts are important documents for any future resale of your rowhouse.

Stamp duty and registration charges add a real cost to any Godrej Florenne rowhouse. This often runs close to 7 percent of the price. Plan for this early, alongside your down payment and GST. That keeps your total budget realistic. The project moves toward its launch on 6 October 2026. Working out these charges now avoids any last-minute pressure on your finances.