What is the Registration Cost? How is it Calculated in Godrej MSR City?
If you're planning to buy a home at Godrej MSR City in Shettigere, North Bangalore, it's important to understand all the costs involved—especially the ones beyond the apartment price. One of the biggest extra costs you'll face is the registration cost, which includes stamp duty and registration charges. These are legal fees paid to the government to make your property ownership official.
In this guide, we'll explain what these charges are, how much they cost in 2025, and how to calculate them for an apartment in Godrej MSR City.
Whenever you buy a property, the government charges you a fee to record that deal.
- Stamp Duty is a tax you pay on the sale agreement. It's what makes your property deal legal.
- Registration Charges are what you pay to the local Sub-Registrar's Office to officially register the property in your name.
Once paid, these charges create a legal record of your ownership and protect you from future ownership disputes.
The cost depends on how much your flat is worth. For cities like Bangalore, the stamp duty also includes cess and surcharge. Here's a breakdown:
| Property Value | Stamp Duty | Cess (10%) | Surcharge (2%) | Registration | Total Cost (%) |
|---|---|---|---|---|---|
| Over ₹45 Lakhs | 5% | 0.5% | 0.1% | 1% | ~6.6% |
| ₹21–45 Lakhs | 3% | 0.3% | 0.06% | 1% | ~4.36% |
| Up to ₹20 Lakhs | 2% | 0.2% | 0.04% | 1% | ~3.24% |
Most flats at Godrej MSR City cost more than ₹1.18 crore, so you'll fall into the highest slab of ~6.6%.
Your registration charges are based on whichever is higher:
- The price you agreed to pay the builder (mentioned in your Sale Agreement)
- The guidance value set by the Karnataka government for that location
At Godrej MSR City, apartment prices are much higher than the guidance value. So your registration cost will be calculated on the actual price you're paying.
Let's say the final cost includes:
- Apartment base price
- Car parking
- Floor rise charges
- Location preferences
- Development charges
Then your registration cost would be:
- Stamp Duty (5%) = ₹6,75,000
- Cess (10% of stamp duty) = ₹67,500
- Surcharge (2% of stamp duty) = ₹13,500
- Registration Fee (1%) = ₹1,35,000
Total = ₹8,91,000
That's 6.6% of the property cost, and you'll need to arrange this separately.
The following costs are part of your total apartment price and used to calculate stamp duty:
- Base apartment price
- Car parking charges
- Floor rise charges (for upper floors)
- Clubhouse or amenity fees
- Development charges (water, power)
- Preferred location charges (corner, park-facing, etc.)
However, the corpus fund, maintenance charges, and GST are usually not included when calculating stamp duty.
Stamp duty and registration fees are usually paid:
- Just before or during the registration of the Sale Deed
- After full payment has been made to the builder
The Sub-Registrar Office in Bangalore handles the registration, and Godrej will include these charges in your cost sheet ahead of time, so you know what to expect.
Use the Karnataka government's official Kaveri Online Services portal:
- Go to https://kaveri.karnataka.gov.in
- Use their calculator to check stamp duty
- Generate a challan
- Pay using net banking, credit/debit card
- Print your receipt
- Franking: Pay at a bank or franking center where the stamp amount is printed on your document
- Stamp Papers: Buy non-judicial stamp paper of the required value
- Demand Draft or cash (within legal limits) at the registrar's office
Since Godrej MSR City is under construction, GST at 5% is charged (as the flat price is above ₹45 lakhs).
But GST is not added to the stamp duty calculation.
This means:
- Stamp duty is on property cost (excluding GST)
- GST is paid to the builder, separately
Stamp duty and registration fees are not covered in your home loan. You'll need to save for them separately.
Keep these with you during registration:
- Sale deed (from the builder)
- PAN and Aadhaar card
- Property details and payment receipts
- Khata certificate (if applicable)
You can claim up to ₹1.5 lakhs on these charges as a deduction under Income Tax Act Section 80C (in the same year you pay them).
Buying a home at Godrej MSR City is a big financial step. Knowing exactly how much you'll pay in registration charges helps avoid confusion later. It's not just about the flat's base price. You must plan for stamp duty, registration, and other charges as well.
Use this guide as a checklist while budgeting. Talk to the Godrej sales team to get a detailed cost sheet and make sure you know what's included. When you register your property with confidence, you start your homeownership journey on the right foot.
