Notes
Notes
( LAW · 15 SEP 2026 · UPDATED 27 SEP 2026 · 6 MIN )

An eleven-month agreement doesn’t have to be registered. Sometimes it should be.

Registration is required above twelve months and optional below. How stamping works now, what registering takes, and when a shorter agreement is worth registering anyway.

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A person in an orange shirt writing on a sheet of white paper.

This page used to say that every rental agreement in Karnataka had to be registered within 60 days, with a ₹5,000 penalty. That rule comes from the Model Tenancy Act, which Karnataka has not adopted. We were wrong to repeat it.

What the law actually requires is shorter, and registering can still be worth an afternoon.

01

What is actually required

[ THE LAW ]

A lease for a term of more than one year must be registered. A shorter one may be registered, and need not be.

REGISTRATION ACT, 1908, SECTIONS 17 AND 18 · IN FORCE 1 JANUARY 1909 · CHECKED 27 SEP 2026

This is why agreements in Bengaluru run for eleven months: it keeps them below the line where registration is compulsory.

[ THE LAW ]

Stamp duty is paid as a digital e-stamp through Karnataka’s Kaveri-2 system.

KARNATAKA STAMP (DIGITAL E-STAMP) RULES, 2025 · IN FORCE 16 JANUARY 2026 · CHECKED 27 SEP 2026

The rules were notified in July 2025 and brought into operation by a notification of 16 January 2026. If your agreement was stamped some other way, ask whoever prepared it whether that stamp is still accepted.

An eleven-month agreement still has to be stamped. Registering it is a choice. What the law actually says.

A notarised agreement is a document. A registered one is a public record.

02

When registering is worth it anyway

  • A society that asks for a registered copy before it issues a move-in permit. Ask the facility office; some do.
  • Address proof, where some offices accept a registered agreement more readily than a notarised one.
  • A dispute about what was agreed. Registration fixes the text and the date beyond argument.
  • A lease you want to run longer than a year, which has to be registered.

None of those is likely in any given tenancy. Across two years and a deposit of several lakh, one of them is likely enough to be worth an afternoon.

03

What it costs

STAMP DUTY

Calculated on the rent and the deposit for the term. Kaveri-2 computes it; confirm the figure there rather than from an old table.

REGISTRATION FEE

Paid on the portal, if you register. Check the current schedule when you file.

SERVICE CHARGE

Optional. Plenty of vendors will do the whole thing for you, and for most people that is a sensible trade.

Small against the deposit it protects, whichever way it comes out.

04

How to do it

  1. 01
    Agree the text first

    Rent, deposit, term, notice, lock-in, who pays for what, the inventory as an annexure. Registration records a document exactly as it stands. Everything you want enforceable has to be in the text before it goes anywhere near the portal.

  2. 02
    Collect what you’ll need

    Both parties’ Aadhaar and PAN, the property details, and the owner’s proof of ownership or authority to let. Add photographs and witnesses where the portal asks for them. Almost every delay at this stage is a missing document rather than a difficult one.

  3. 03
    Get the e-stamp

    Through Kaveri-2. The duty is calculated on the term and the amounts.

  4. 04
    Create the application on Kaveri

    kaveri2.karnataka.gov.in. Enter the parties, the property and the document, then upload the agreement.

  5. 05
    Authenticate and sign

    Both parties authenticate with Aadhaar. This usually needs both people available at roughly the same time, so agree a slot rather than discover the delay.

  6. 06
    Pay and submit

    Stamp duty and registration fee, on the portal.

  7. 07
    Download the registered copy

    Save the PDF somewhere you will find it in two years, not only in a WhatsApp thread.

05

Who pays, and what to settle first

There is no rule. Convention in Bengaluru puts it on the tenant more often than not, but it is one of the easiest things to split and one of the least contested asks in a negotiation.

  • Whether you are registering at all, decided before signing.
  • Who pays the stamp duty, and the registration fee if you register.
  • Who files it: you, the owner, or a vendor.
  • Where the registered copy lives, and that both parties have one.

It belongs with the rest of what you settle before signing. The questions worth asking before you sign.

IF YOU HEAR THIS “We’ll just notarise it, everyone does that.” Common, and true as a description of the market. It is also the weaker document at the moment you would need a stronger one.
SAY THIS INSTEAD “Shall we register it? I’m happy to split the cost.” A small cost and an afternoon, and it turns the agreement into a public record.
[ PORTALS MOVE ]

Fees get revised and portals change. This describes the process as of the date above, checked against the Registration Act and Karnataka’s digital e-stamp rules. If something on Kaveri has moved since, tell us and we’ll update it.

( TWO DOCUMENTS, ONE OF THEM A RECORD )

Required above a year. Optional below it.

Most Bengaluru agreements run eleven months so that registration stays optional. Whether to register anyway depends on what you might one day need the agreement to prove.

STAMPING Digital, through Kaveri-2, on every agreement.
REGISTRATION Compulsory for a lease over a year. Your choice at eleven months.
THE AFTERNOON Aadhaar authentication, e-signing, payment, and a registered copy back.
ASK IT PLAINLY Are we registering this, and if so, who files and who pays? Decided before signing, it is a line in the agreement. Left until after, it usually doesn’t happen.

Almost nobody needs the registered copy. That is the argument for skipping it, and it is also the argument for not insuring anything.

On an eleven-month agreement the law leaves the choice to you. Make it on purpose.

Stamped, always. Registered, when it matters.
← NEWER A ₹1 lakh home needs about ₹7.5 lakh on the day you move in. ALL NOTES The journal OLDER → Getting the deposit back is a different problem from agreeing it.
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