HDMC Hubballi-Dharwad Property Tax: Online Payment, Calculation & Complete Guide 2026

HDMC Hubballi-Dharwad property tax is the annual levy collected by the Hubballi-Dharwad Municipal Corporation from all property owners within the twin cities of Hubballi and Dharwad in Karnataka. As the second-largest urban agglomeration in Karnataka after Bengaluru, the twin cities serve as the commercial, educational, and industrial capital of north Karnataka. HDMC set a property tax collection target of ₹235 crore for FY 2026-27 and extended its 5% early payment rebate through the entire month of May 2026 after collections started late. A major citizen-friendly move in FY 2026-27 was the rollback of UGD fees and SWM cess following strong opposition from residents and trade bodies — reducing the total civic tax burden by approximately 15% for most property owners. This complete guide covers the UAV calculation method, online payment steps, the SWM rollback, e-Khata status, rebates, penalties, and the Khata transfer process.

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About HDMC — Twin Cities’ Civic Authority

The Hubballi-Dharwad Municipal Corporation (HDMC), founded in 1962, is the civic body governing the twin cities of Hubballi and Dharwad. Hubballi is the commercial nerve centre — home to Dharwad University, a major railway junction, and a thriving textile and trade economy. Dharwad is the administrative and educational city — headquarters of the district and home to Karnataka University.

Key 2026 numbers:

• FY 2026-27 collection target: ₹235 crore
• Collections achieved by mid-April 2026: ₹90 crore (approximately 38% of target)
• Rebate period: Extended to May 31, 2026 (from April 30)
• Major 2026 update: UGD fees and SWM cess rolled back following citizen opposition — expected to save property owners approximately 15% on total civic tax
• Commissioner: Ishwar Ullagaddi (KAS)
• Official HDMC Website: hdmc.in
• Property Tax Portal: hdmc.mrc.gov.in
• Paytm / BBPS: Also available for quick payments via the Bharat Bill Payment System

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Why Property Tax Matters in Hubballi-Dharwad

HDMC uses property tax revenue to:

• Build and maintain roads and public infrastructure across both cities
• Supply drinking water to Hubballi and Dharwad’s growing population
• Operate the underground drainage (UGD) and sewage network
• Manage solid waste collection and disposal (SWM)
• Develop and maintain parks, gardens, and public spaces
• Fund street lighting and emergency civic services
• Run public health centres and dispensaries across both cities

Amid rapid urbanisation in the twin cities, property tax is critical to keeping pace with infrastructure demands.

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Who Must Pay HDMC Hubballi-Dharwad Property Tax?

All property owners within HDMC limits must pay property tax annually. This includes:

• Residential property owners (flats, independent houses, row houses)
• Commercial property owners (shops, offices, hotels, warehouses)
• Industrial property owners (factories, manufacturing units)
• Owners of vacant plots within HDMC limits
• Landlords of rented properties

2026 SWM Charges Update: HDMC initially introduced new Solid Waste Management (SWM) charges and Underground Drainage (UGD) fees for FY 2026-27 — resulting in hikes of over 40% for many property owners. Following widespread opposition from residents and the Karnatak Chamber of Commerce and Industry (KCCI), HDMC rolled back UGD user fees and SWM cess entirely. SWM user charges for open plots were also reduced from 50 paise per sq ft to 25 paise. The net effect is a reduction of approximately 15% in total civic tax for most property owners. New challans reflecting these revisions were issued from April 22, 2026. If you paid at the higher rate before April 22, the additional amount will be adjusted in your FY 2027-28 challan.

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Properties Covered Under HDMC Property Tax

Property Type	Examples
Residential	Apartments, independent houses, row houses
Commercial	Shops, offices, hotels, restaurants
Industrial	Factories, warehouses, manufacturing units
Commercial Hoardings	Advertising boards and billboards
Vacant Land	Open plots within HDMC limits

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HDMC Property Tax Calculation — Unit Area Value (UAV) System

HDMC uses the Unit Area Value (UAV) System for property tax calculation, similar to BBMP Bengaluru.

The HDMC Property Tax Formula

Property Tax = Built-up Area × Unit Area Value × Usage Factor × Occupancy Factor + Educational Cess

Key Calculation Factors

Factor	Details
Built-up Area	Total built-up area of the property in sq ft or sq metres
Unit Area Value (UAV)	Rate per sq ft/sq m per year assigned to your zone
Usage Factor	Residential vs commercial vs industrial multiplier
Occupancy Factor	Self-occupied vs rented — rented properties attract a higher factor
Educational Cess	Standard cess percentage applied on computed tax

Base Rates (Approximate, FY 2026-27)

Property Type	Base Rate
Most Residential Properties	₹56 per sq metre per year
Commercial Hoardings (1–2.5 sq m and above)	₹89 per sq metre per year
Vacant Plots	Based on land area and zone

Rate Note: HDMC rates increase by 3–5% annually as per government guidelines. The FY 2026-27 figures reflect revisions after the SWM/UGD rollback. Always verify current rates on hdmc.in before calculating.

HDMC Online Tax Calculator

HDMC provides an online property tax calculator on its official website. Enter your property details — zone, built-up area, usage type, occupancy — and the calculator computes the payable tax amount.

Access the calculator at: hdmc.in under the Online Citizen Services section.

Example Calculation

For a 1,200 sq ft residential property in Zone B (UAV: ₹2 per sq ft):

• Base tax = 1,200 × ₹2 = ₹2,400
• Educational Cess (15%) = ₹360
• Total Tax = ₹2,760
• After 5% rebate (paid before May 31) = ₹2,622

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Required Documents for HDMC Property Tax

• Property ID (PID) — your unique HDMC property identifier
• Previous HDMC property tax receipt or challan
• Aadhaar card or ID proof (for exemption or Khata transfer)
• Khata Certificate (A-Khata, B-Khata, or e-Khata)
• Registered sale deed (for Khata transfer)
• BESCOM electricity bill (for e-Khata application)

Karnataka Property Documents — Key Terms for Hubballi-Dharwad:

• Khata Certificate: HDMC document certifying that the property has been assessed for tax in the owner’s name. Essential for home loans, property registration, and resale.
• A-Khata: For properties on HDMC-approved layouts — banks readily accept these for home loans.
• B-Khata: For properties on revenue sites or unapproved layouts — home loan approval can be difficult.
• e-Khata: The digitised Khata, now mandatory across Karnataka for all property transactions. Karnataka amended the Karnataka Municipalities Act to facilitate e-Khata issuance for unauthorised properties registered before September 2024.
• KHB Colony Issue (2026): Residents of KHB Colony in Hubballi (areas like Amargol, Sattur, and Gamanagatti) are still awaiting e-Khata issuance as the integration of KHB Colony into HDMC’s jurisdiction is ongoing. HDMC has assured phased e-Khata distribution once legal formalities are cleared.

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How to Register on the HDMC Property Tax Portal

1. Visit hdmc.in or hdmc.mrc.gov.in
2. Navigate to “Online Citizen Service”
3. Click on “Online Property Tax Payment”
4. Register with your Property ID / PID and mobile number
5. Complete OTP verification and set your password
6. Your account is now active

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Login Process

1. Go to hdmc.mrc.gov.in or hdmc.in
2. Click “Online Citizen Service” → “Online Property Tax Payment”
3. Log in with your Property ID and password
4. Access your property tax dashboard to view dues and payment history

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Property ID Search in Hubballi-Dharwad

Your Property ID (PID) is the unique identifier for all HDMC tax transactions.

• Check your previous HDMC property tax receipt — PID is printed prominently
• Check your Khata Certificate issued by HDMC
• Visit any HDMC zonal office or Hubli-Dharwad One Centre with your property address
• Use the HDMC portal’s property search feature under Online Citizen Services

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How to Pay HDMC Hubballi-Dharwad Property Tax Online — FY 2026-27

Method 1 — Official HDMC Portal:

1. Visit hdmc.mrc.gov.in
2. Click on “Online Citizen Service”
3. Select “Online Property Tax Payment”
4. Enter your PID number and click “Search”
5. Your property details and outstanding dues appear
6. Verify the tax amount — confirm it reflects post-April 22 revised challan amounts
7. Click “Pay Now”
8. Choose payment mode:
   • UPI (Google Pay, PhonePe, BHIM)
   • Net Banking
   • Credit Card or Debit Card
9. Complete payment and download your receipt immediately

Method 2 — Paytm / BBPS:
Open Paytm → Municipal Tax → Hubballi-Dharwad Municipal Corporation → Enter PID → View dues → Pay via UPI or Paytm wallet

Method 3 — EaseMyDeal / Shriram Finance:
HDMC tax is available on the Bharat Bill Payment System (BBPS), accessible through multiple platforms. However, always verify the payment reflects correctly on the HDMC portal after using third-party channels.

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Offline Payment Options

• HDMC Main Office, Hubballi — Main payment counter; cash, cheque, and DD accepted
• HDMC Main Office, Dharwad — Separate civic office for Dharwad zone properties
• HDMC Zonal Offices — Across both cities
• Hubli-Dharwad One Centres — For assisted payment and citizen services
• Bank Challan — Generate challan online and pay at designated bank branches

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How to Download HDMC Property Tax Receipt

1. Visit hdmc.in
2. Click on “Online Citizen Service”
3. Select “Click here for Paid Receipt”
4. Enter your PID number and Merchant Transaction Reference Number
5. Your receipt is retrieved — download and save as PDF

Alternatively, after online payment, the receipt is generated automatically. Download it immediately from the payment confirmation page.

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Check HDMC Property Tax Payment Status

1. Visit hdmc.mrc.gov.in
2. Enter your PID and navigate to your payment history
3. View current year demand, arrears, paid amounts, and outstanding balance

A zero-outstanding balance confirms full tax compliance for FY 2026-27.

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Rebates & Exemptions — HDMC Property Tax FY 2026-27

Benefit	Details
Early Payment Rebate	5% rebate on full payment made before May 31, 2026 (extended from April 30 due to delayed collection start)
SWM/UGD Rollback Benefit	UGD fees and SWM cess withdrawn — total civic tax reduced by approximately 15%
SWM Open Plot Reduction	SWM user charge for vacant plots reduced from 50 paise to 25 paise per sq ft
Senior Citizens	May qualify for age-based concessions — apply at HDMC zonal office with supporting documents
Solar / Rainwater Harvesting Rebate	Properties with eco-friendly features may receive special rebates
Religious / Charitable Properties	Exempt subject to HDMC verification
Government Properties	Exempt

2026 Context: HDMC’s collection drive for FY 2026-27 started on April 7 instead of April 1, causing a delayed start that contributed to lower initial collections. By mid-May, HDMC had collected only ₹90 crore of its ₹235 crore target — prompting both the rebate extension and increased collection drives. Officials from HDMC are conducting ward-level outreach to reach defaulters directly.

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Penalties & Interest for Late Payment

Situation	Consequence
Payment after May 31, 2026	Loss of 5% rebate; standard tax applies
Payment after June 30, 2026	2% monthly compounding interest on outstanding amount
Non-payment for multiple years	Compounding interest plus legal action

Rapid Urbanisation Challenge: HDMC acknowledges that bringing all properties into the tax net amid rapid urbanisation is a major challenge — particularly in newly developed layouts and KHB colonies. Unregistered properties face the risk of retrospective tax demands once surveys identify them. Ensure your property is correctly registered with HDMC.

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Name Change / Khata Transfer Process in Hubballi-Dharwad

When you purchase property in Hubballi or Dharwad, update HDMC records and transfer the Khata to your name.

Required Documents:

• Registered sale deed (original + copy)
• Previous owner’s Khata certificate
• Latest HDMC property tax receipt (nil dues)
• Aadhaar card of new owner
• BESCOM electricity bill (for e-Khata)
• Khata transfer application form (available at HDMC offices)

Process:

1. Pay all outstanding HDMC property tax dues
2. Visit your HDMC zonal office with all documents
3. Submit the Khata transfer application
4. HDMC verifies ownership and updates records
5. New e-Khata is issued in the buyer’s name

KHB Colony Buyers: If you are buying property in KHB Colony areas (Amargol, Sattur, Gamanagatti), note that e-Khata issuance is still pending due to the ongoing integration process. Confirm the status of e-Khata availability before finalising the purchase.

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Grievance & Citizen Services

• HDMC Commissioner: HDMC Main Office, Hubballi (for escalated complaints)
• HDMC Hubballi Office: Main civic office, Hubballi
• HDMC Dharwad Office: Separate civic office for Dharwad zone queries
• HDMC Website: hdmc.in — use the “Public Grievance” section
• Hubli-Dharwad One Centres: For citizen services including property tax queries
• BBPS Channel: Available on Shriram Finance, Paytm, and other BBPS platforms

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Important Property Documents in Karnataka

Document	Relevance in Hubballi-Dharwad
Khata Certificate	HDMC document confirming property assessment in owner’s name
A-Khata	For approved layout properties — required for home loans
B-Khata	For revenue site / unapproved layout properties
e-Khata	Digitised Khata — mandatory for property transactions in Karnataka
Sale Deed	Registered proof of ownership transfer
Encumbrance Certificate	Confirms property is mortgage-free
Occupancy Certificate (OC)	HDMC certificate confirming a building is fit for occupation

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Property Tax and Home Buying in Hubballi-Dharwad

Hubballi-Dharwad is one of Karnataka’s fastest-growing real estate markets. Affordable prices, excellent rail and road connectivity to Bengaluru, Pune, and Mumbai, and a large student population drive strong housing demand. Here is what buyers must know:

1. Check for SWM/UGD rollback in challan: Ensure your property’s FY 2026-27 challan reflects post-April 22 revised amounts. Do not pay using the old higher challan.
2. Verify dues before purchase: Outstanding HDMC property tax, interest, and penalties follow the property. Insist on a No Dues Certificate before registration.
3. Check Khata type: A-Khata properties are essential for home loan approval. Confirm Khata status before buying — especially in KHB Colony areas where e-Khata issuance is still in progress.
4. Apply for Khata transfer promptly: Start the process immediately after property registration.
5. Use the May 31 rebate window: If you complete a purchase before May 31, 2026, ensure payment is made to claim the 5% rebate on current year’s tax.
6. Home loan support: First-time home buyers in Hubballi-Dharwad can explore affordable home loan options with Home First Finance Company.

For a broader overview of property tax across all Karnataka cities, refer to our Property Tax in Karnataka guide.

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Common Mistakes to Avoid

• ❌ Paying from the old pre-April 22 challan: If you received your FY 2026-27 challan before April 22, it may include the now-withdrawn UGD and SWM charges. Use only the revised challan issued from April 22, 2026 onwards
• ❌ Missing the May 31 rebate deadline: HDMC extended the 5% rebate window to May 31 — do not miss it. At ₹235 crore in total target, even small savings matter
• ❌ Ignoring KHB Colony e-Khata delays: Buyers in KHB areas face e-Khata unavailability — confirm status with HDMC before purchase to avoid post-purchase complications
• ❌ Using third-party portals without verification: Always confirm post-payment that your challan reflects correctly on the HDMC portal
• ❌ Skipping Khata transfer: Delayed Khata transfer after property purchase can block future home loan applications and resale
• ❌ Not keeping the revised challan: After the April 22 rollback, HDMC issued fresh challans. Keep the revised challan safely for all tax payment purposes

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Frequently Asked Questions

How do I pay HDMC Hubballi-Dharwad property tax online in 2026?
Visit hdmc.mrc.gov.in, click Online Citizen Service → Online Property Tax Payment, enter your PID, verify dues, and pay via UPI, net banking, or card.

What is the rebate deadline for HDMC property tax in FY 2026-27?
May 31, 2026. The deadline was extended from April 30 as collections started late (April 7 instead of April 1). Pay the full amount before May 31 to claim the 5% rebate.

What is HDMC’s property tax collection target for FY 2026-27?
₹235 crore. As of mid-April 2026, HDMC had collected ₹90 crore — approximately 38% of the annual target.

Were there any changes to HDMC property tax charges in FY 2026-27?
Yes. HDMC initially added UGD fees and SWM cess, hiking total civic tax by over 40% for some owners. After strong opposition, HDMC rolled back UGD fees and SWM cess entirely from April 22, 2026 — reducing total civic tax by approximately 15%. New challans were issued from April 22.

What is the penalty for late payment of HDMC property tax?
2% monthly compounding interest on outstanding dues from July 1, 2026.

How is HDMC property tax calculated?
HDMC uses the Unit Area Value (UAV) system. Tax = Built-up Area × UAV rate × Usage Factor × Occupancy Factor + Educational Cess. The base UAV rate is ₹56 per sq metre for most residential properties.

What is the e-Khata status for KHB Colony in Hubballi?
e-Khata issuance for KHB Colony (Amargol, Sattur, Gamanagatti) is still pending due to the integration of these areas into HDMC’s jurisdiction. HDMC has assured phased issuance once legal formalities are completed.

Can I pay HDMC property tax via Paytm?
Yes. HDMC tax is available on the Bharat Bill Payment System (BBPS) via Paytm and other BBPS-connected platforms. Always verify the payment is correctly reflected on the HDMC portal.

How do I download my HDMC property tax receipt?
Visit hdmc.in → Online Citizen Service → “Click here for Paid Receipt” → Enter PID and Merchant Transaction Reference Number to retrieve and download your receipt.

How do I transfer Khata after buying property in Hubballi-Dharwad?
Visit your HDMC zonal office with the registered sale deed, previous owner’s Khata, latest tax receipt, Aadhaar, and BESCOM bill. Submit a Khata transfer application. HDMC will verify and issue the new Khata or e-Khata.

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For official HDMC Hubballi-Dharwad property tax services, visit hdmc.in or hdmc.mrc.gov.in.