A Khata vs. B Khata in Bangalore: Know the Real Difference Before Buying Property

 



Introduction: What Every Bangalore Property Buyer Must Know

Buying your dream villa plot or investing in land around Bengaluru? Before you finalize that deal, it’s vital to decode a few legal terms—especially A Khata and B Khata.

At SLV Housing Development Corporation, we’ve seen many buyers confused or misled by these terms. But understanding them can mean the difference between peace of mind and legal complications. Don’t worry, this article breaks it all down for you—clearly, simply, and with real-world insights.

Let’s explore what these terms mean and how they affect your property’s legality, loan eligibility, future resale, and tax compliance.

📖 What is Khata, and Why Is It So Important?

"Khata" literally means “account” and is an official record maintained by BBMP (Bruhat Bengaluru Mahanagara Palike).

It certifies the legal status of your property and is mandatory for:

  • Paying property tax

  • Getting building approvals

  • Availing loans

  • Registering utilities like electricity & water

  • Obtaining trade or business licenses

🏗️ The Origin of A Khata & B Khata

After BBMP was formed in 2007, a standardised process was introduced to streamline tax collection and maintain property records across Bengaluru. This created two categories:

  • A Khata – Properties fully legal and compliant with all regulations

  • B Khata – Properties with deviations or in unapproved layouts

📋 What Is a Khata Extract?

A Khata Extract gives you a full overview of the property:

  • Property size & location

  • Purpose of usage (residential, commercial)

  • Property tax due

  • Built-up area

  • Annual value

👉 It’s issued along with the Khata certificate and is used during loan applications, resale, or regularisation.

🧾 Khata vs Title Deed: Know the Difference

FeatureKhataTitle Deed
PurposeProperty tax and legal statusOwnership of property
Issued byBBMP or PanchayatSub-Registrar
When usedTax payment, loans, approvalsProperty sale or gift

💡 Tip from SLV: Always have both documents when buying any plot or house.

🧑‍💼 Why Khata Matters to You as a Buyer or Investor

Whether you're a first-time homebuyer or seasoned investor, here's why Khata is essential:

  • ✅ Confirms Property Legality

  • 🏦 Eases Home Loan Approvals

  • 🏘️ Simplifies Construction Approvals

  • 🚰 Access to Electricity and Water

  • 📑 Ensures Proper Tax Compliance

  • 🔄 Allows Resale & Future Transfers

📄 Contents of a Khata Document

  • Owner’s Name

  • Property ID Number

  • Area & Size

  • Location

  • Type of Construction

  • Number of Floors

  • Tax Paid Status

🆚 A Khata vs B Khata: What’s the Real Difference?

FeatureA KhataB Khata
Legal StatusFully legal & compliantSemi-legal / violations
Loan EligibilityEasily approvedMostly rejected
Utility ConnectionsAllowedOften denied
Sale/TransferSimpleComplicated
BBMP ApprovalApproved layoutUnapproved layout
Tax StatusUp to dateSometimes pending
Building PermitsCan applyCannot apply until regularised
OC / Completion CertificateEasily availableNot eligible

🏚️ Why Are Properties Categorised Under B Khata?

BBMP lists properties under B Khata due to:

  • Violation of building bylaws

  • Construction on revenue land

  • Built in unauthorised layouts

  • No Occupancy or Completion Certificates

💸 Can You Get a Loan on B Khata Property?

Most nationalised banks refuse loans on B Khata properties. A few private lenders may offer loans, but:

  • 🚫 Higher interest rates

  • 📉 Lower loan-to-value ratio

  • ❗ High legal risk

At SLV Housing, we always recommend investing in A Khata-approved properties for safer returns and peace of mind.

🌾 What Is Panchayat Khata (E-Khata)?

If your property lies outside BBMP limits but inside Bangalore Urban District, it might come under a Gram Panchayat jurisdiction.

  • Known as Panchayat Khata

  • Common in outskirts like Taralu, Kaggalipura, and parts of Marathahalli

🔁 Can B Khata Be Converted to A Khata?

Yes. Here’s how:

You must clear:

  • All pending taxes

  • Betterment charges

  • DC Conversion charges

  • Submit approved layout plans

📌 After regularisation, apply at BBMP to get A Khata status.

🔄 When Is Khata Transfer Required?

During:

  • Sale or Resale

  • Legal Heirship

  • Will/Gift Transfer

  • After Death of Owner

Documents Required:

  • Sale deed

  • Latest tax receipt

  • Death certificate (if applicable)

  • Affidavit for legal heirs

  • Encumbrance certificate

⏱️ Timeframe: 30–45 days

🌐 How to Apply for Khata Transfer Online?

Via Sakala Portal

  1. Visit the site and download the Khata Transfer form

  2. Fill in Aadhar-based details

  3. Attach sale deed, ID proof, tax receipts

  4. Submit online

  5. BBMP will inspect & calculate fees

  6. Collect certificate from BBMP office

💰 Khata Transfer Charges

Calculated as 2% of the registered sale deed value.
For example, if property is ₹50,00,000:

2% = ₹1,00,000

🧠 Pro Tip from SLV Housing

When you invest with us in projects like:

  • Sri Krishna Villas (A Khata)

  • Gokul Gardens

  • Kingstone Valley (BMRDA Approved)

You get:
✅ BBMP/BMRDA approval
✅ A Khata compliance
✅ Full loan support
✅ Clear legal title
✅ Instant access to water, electricity & civic amenities

📌 Conclusion: Be Informed, Be Empowered

Don’t let confusion over Khata derail your real estate goals. At SLV Housing Development Corporation, we ensure every villa plot is verified, approved, and free from hidden complications. Our aim is to deliver more than just plots—we build Serenity. Legacy. Value.

Choose transparency. Choose trusted documentation. Choose SLV Housing.

🔍 Frequently Asked Questions

Q1: What are the risks of buying a B Khata property?
A1: Legal complications, resale issues, and denial of basic utilities.

Q2: What documents do I need for Khata Transfer?
A2: Sale deed, ID proof, latest tax receipt, encumbrance certificate, etc.

Q3: Is Khata the same as proof of ownership?
A3: No. It confirms legality and tax status but not ownership—that’s the title deed.

Q4: Can I apply for a Khata online?
A4: Yes, through the Sakala portal.

Q5: What happens if my Khata transfer is delayed?
A5: Follow up with BBMP. Delays are common due to incomplete documents or inspections.

📞 Still have questions about Khata or want to book a legally verified villa plot?
Reach out to us today!

SLV Housing Development Corporation
📍 www.slvhousing.com
📞 +91 70900 55511
✉️ marketing@slvhousing.co.in

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