A Khata or B Khata? Bangalore Buyer’s Practical Handbook

Table of Contents

• Khata 101: What it is, why it matters
• A Khata vs B Khata
• The A Khata advantage
• “E-Khata” and digital records
• Documents you’ll handle for Khata
• B Khata to A Khata conversion
• Taxes, approvals, and day-to-day actions
• Buying a B Khata property: Risk, price, and protection
• Khata transfer after purchase or inheritance
• How to verify Khata status and tax details
• Apartment buyers: A Khata, OC, and association comfort
• Khata, setbacks, and FAR: Why dimensions matter
• Simple glossary for first-time buyers
• Step-by-step: Your first Khata transfer
• Common myths: Quick fact checks

Khata 101: What it is, why it matters

In Bengaluru, every urban property under BBMP’s jurisdiction carries a property account in the city’s records. That account is called a Khata. Think of it as your property’s identity entry in municipal books. It is not a title deed and does not replace your sale deed, but it links your property to civic records, allowing you to pay property tax, apply for building licenses, and complete various municipal transactions.

• The local body that issues the Khata in Bengaluru is the BBMP. You’ll often hear the term “bbmp khata” for this reason.
• The key document many owners need as proof is the “khata certificate”. It confirms that BBMP recognizes your property for tax assessment and civic purposes.
• Broadly, Khata entries have historically been grouped as A Khata or B Khata. Most buyers aim for an A Khata because it signals compliance. B Khata flags some form of deviation or pending regularization.

A Khata vs B Khata is not about who pays more tax. It’s about how compliant the property is in the civic records. Both pay tax, but only A Khata usually qualifies you for building plan approvals, construction-related permissions, and easier access to home loans.

Plainly put: Khata tells the city “who owns what for civic purposes.”Title deed tells the world “who legally owns what.” Keep both strong.

A Khata vs B Khata: The big picture

You’ll often hear people ask about “a khata vs b khata” when checking a property. Here’s a simple way to remember it:

• A Khata: Property that meets the compliance criteria for BBMP records. Typically eligible for building plan approvals, trade licenses, bank loans, and smoother resale.
• B Khata: Property listed in BBMP’s B Register because of deviations, missing approvals, or layout irregularities. You can usually pay taxes, but bank loans and official permissions may be restricted until regularization.

Let’s unpack the “difference between a khata and b khata” that buyers care about most:

• Compliance status: A Khata indicates good standing; B Khata signals pending issues.
• Approvals and services: A Khata is typically eligible for building approvals; B Khata generally isn’t.
• Financing and resale: A Khata properties are more likely to get mortgages and resale smoothly; B Khata often faces extra checks or outright loan refusals.
• Conversion path: Many B Khata properties can be regularized and converted to A Khata if they meet eligibility after paying dues/penalties and completing missing steps.

When someone asks for “b khata meaning”, this is it: your property exists in municipal records but isn’t yet in the clean, fully compliant bucket. The goal for most owners is to move from B Khata to A Khata through the appropriate regularization route.

You may also see “b katha” used informally. It’s the same as “b khata.” I’ll use “b khata” consistently.

Suggested read: Khata Certificate

How properties end up as B Khata

Properties land in the B Register for a handful of typical reasons:

1. Layout or land use irregularities
   
   • Sites carved out without full approvals or in areas pending conversion from agricultural to non-agricultural use.
   • Violations of sanctioned layout plans.
2. Building plan deviations
   
   • Construction that doesn’t match the sanctioned plan.
   • Exceeding floor area ratio, setbacks, or height limits.
3. Title or document gaps
   
   • Missing conversion orders, partial chain of title, or mismatches in measurements.
4. Legacy transitions
   
   • Properties moved from erstwhile local bodies to BBMP ,where records weren’t fully standardized.

If your property is in B Khata, it doesn’t automatically mean you have no options. Many owners successfully regularize and convert to A Khata after meeting the rules, paying applicable penalties, and updating documents.

The A Khata advantage

A Khata properties tend to enjoy these practical benefits:

• Bank finance: Banks usually prefer an A Khata as it shows compliance in civic records, making underwriting simpler.
• Building approvals: Need to renovate, add floors, or apply for an occupancy certificate? A Khata is typically a prerequisite.
• Resale confidence: Buyers feel more secure, which can reflect in better demand and smoother transactions.
• Lower friction with authorities: Utility connections, trade licenses, or civic services are generally easier.

Because of these reasons, when shortlisting homes, people often filter by A Khata first. If you’re evaluating a B Khata home for a good price, factor in the time and cost to regularize and convert.

Suggested read: Khata, Khasra and Khatuni Number

Understanding “E-Khata” and digital records

BBMP has been digitizing property records, which leads to the term E-Khata in everyday conversation. At its core, E-Khata refers to the digital capture of your Khata details in the civic system. It does not magically convert a B Khata to A Khata. It’s a format, not a category.

• If you are searching for “e katha meaning”, think “electronic/digital Khata record.”
• People sometimes ask for an “e khata certificate sample.” That’s typically a digital or printed extract of your electronically maintained Khata information, issued by BBMP through official channels.
• You still need the underlying property to be compliant if you want A Khata advantages. E-Khata is only the medium.

Make sure the digital details match your deed, measurements, and property tax particulars. Any mismatch should be corrected at the ward revenue office or through BBMP’s official process.

Documents you’ll handle for Khata (including E-Khata)

Paperwork varies by case, but these are commonly asked for during entry, update, or conversion:

• Registered sale deed/gift deed/partition deed and prior title documents
• Encumbrance Certificate (EC) for a relevant period
• Property tax paid receipts
• Latest sanctioned building plan and commencement/occupancy certificates, where applicable
• Conversion order if the land moved from agricultural to non-agricultural use
• Identity and address proof of the current owner
• Completion certificate for apartments or projects that require it
• Power of Attorney if you’re applying via an authorized representative
• Measurement sketch/survey records if requested by the office

When you apply digitally, the portal will indicate what to upload. If you came looking specifically for “documents required for e-khata,” the list above gives you a strong starting point. Keep both PDFs and hard copies handy.

B Khata to A Khata conversion

Many owners ask if their B Khata property can be converted to A Khata. The answer depends on the nature of the deviation and applicable rules at the time you apply. In general, a typical path looks like this:

1. Assess compliance gaps
   
   • Compare your construction and plot details with the sanctioned plan and zoning rules.
   • Identify missing approvals, land conversion orders, or encroachments to be cleared.
2. Apply for regularization if eligible
   
   • From time to time, the city or state may set out mechanisms for compounding or regularizing certain categories of deviations.
   • You may need to pay penalties, betterment charges, or regularization fees depending on policy in force.
3. Update property tax and arrears
   
   • Clear any pending taxes and ensure your records reflect correct measurements and usage.
4. Submit conversion request
   
   • Once your property meets the criteria and dues are settled, apply to convert from B Khata to A Khata with supporting documents.
5. Follow up and correct discrepancies
   
   • Respond to queries from the ward revenue office. Keep copies of every receipt and endorsement.
6. Obtain A Khata document
   
   • After approval, collect the updated khata certificate and khata extract showing A Khata status.

Regularization is policy-driven and time-specific. Some violations cannot be regularized. Before you commit to a B Khata purchase, sit with a qualified property lawyer or a seasoned document consultant to review the feasibility and total cost to convert.

Taxes, approvals, and day-to-day actions

With A Khata

• You can apply for building plan sanction and related permissions.
• Banks are more likely to lend.
• Resale is typically easier.
• Municipal transfers, trade licenses, and civic updates face fewer hurdles.

With B Khata

• You can usually pay property tax.
• Building plan approvals and occupancy certificates are commonly out of reach until you regularize.
• Loan approval is tougher; some lenders refuse outright.
• Resale is possible but the buyer’s diligence will be stricter, and price negotiation may reflect the risk.

Note that every property is unique. Two B Khata sites may not have the same fix. One might be regularizable within months, while another may face long-term restrictions. Always check the latest ward-level position.

Buying a B Khata property: Risk, price, and protection

B Khata listings often look attractive because they’re priced below similar A Khata homes. You can consider them if:

• The deviation is minor and clearly regularizable.
• The seller has started the regularization process and can show receipts.
• You price in the future cost of converting to A Khata.
• Your lender is willing to finance (some will, with conditions; many won’t).
• Your legal advisor gives a clean, written risk note that you understand.

To protect yourself:

• Get a title opinion from a reputable property lawyer.
• Physically verify boundaries and measurements.
• Ask for all approvals, sanctioned plans, conversion orders, and tax receipts.
• Obtain a timeline and cost estimate for regularization with realistic buffers.
• Negotiate price based on risk and cash outlay you’ll need after purchase.

If any piece looks shaky, walk away. There are enough A Khata properties in the market that meet financing and compliance needs for most buyers.

Khata transfer after purchase or inheritance

When you buy an A Khata property, you should transfer the entry to your name. Typical steps:

1. Register the sale deed and collect certified copies.
2. Apply to the BBMP for Khata transfer with the deed, ID proofs, latest tax receipt, and any forms requested by the ward office.
3. Pay the transfer fee if applicable, and any pending taxes.
4. Follow up until you receive the khata certificate in your name.

For inheritance, submit the will/succession certificate/legal heir certificate as applicable. For gifts, attach the gift deed. Always keep your property tax account current in your name after transfer.

How to verify Khata status and tax details

• Ward office verification: Take copies of the seller’s Khata documents to the concerned ward revenue office and verify.
• Property tax portal checks: Confirm the PID number, owner name, property dimensions, and latest paid receipts.
• Encumbrance Certificate (EC): Pull the EC for the right time span to ensure there are no undisclosed mortgages or liens.
• Plan sanction and occupancy: For apartments or new builds, confirm building plan approvals and occupancy certificate status.
• Cross-check measurements: Match deed, Khata, and actual site measurements.

If anything doesn’t match, pause and investigate. A quick check today can save months of rectification later.

Apartment buyers: A Khata, OC, and association comfort

Flat buyers should look beyond individual unit Khata and verify:

• Project approvals: Building plan sanction, commencement certificate, and especially the Occupancy Certificate (OC).
• Common areas: Ensure undivided share (UDS) is correctly mentioned in your deed and reflected in records.
• Association documents: Check if the association is registered and managing taxes and utilities transparently.
• Hand-over papers: For newly formed associations, verify that documents received from the builder match what was promised.

A Khata for your apartment plus a valid OC builds buyer confidence and eases resale. If you’re evaluating a project without OC, discuss risks with your banker and lawyer before you proceed.

Khata, setbacks, and FAR: Why dimensions matter

Developers and owners must comply with setback rules and Floor Area Ratio (FAR). If the constructed area exceeds the sanctioned FAR or eats into setbacks, regularization may be needed or denied based on policy. For plot owners thinking of remodeling or adding floors:

• Always get fresh building plan approval.
• Stick to the sanctioned plan during construction.
• Keep progress photographs and contractor logs to prove adherence if asked later.

Small deviations can snowball into B Khata complications. Building it right the first time saves years of paperwork.

Typical timelines and costs

• New Khata entry or transfer: A few weeks to a couple of months, depending on completeness and office workload.
• Rectifications: Add time for measurements, inspections, and correcting mismatches across documents.
• B to A conversion: Highly variable. It depends on the deviation category, ongoing regularization schemes, and how quickly you can produce missing papers and pay dues.

Keep a buffer in your plans. If you’re syncing a bank loan with a Khata process, start the Khata work early to avoid last-minute delays.

Red flags and practical tips

• Mismatch in measurements between the deed, Khata, and the physical site.
• No sanctioned plan or plan deviations without a regularization path.
• Unpaid property tax or arrears not disclosed by the seller.
• Ambiguous title or missing links in prior deeds.
• Assumptions about E-Khata being equal to A Khata.

Do this instead:

• Cross-verify with the ward office.
• Hire a local lawyer who specializes in Bengaluru property law.
• Get everything in writing and keep stamped copies of receipts and endorsements.

Simple glossary for first-time buyers

• Khata: Municipal property account entry for civic records.
• A Khata: Khata entry indicating compliance in the BBMP records.
• B Khata: Khata entry in the B Register indicating deviations or gaps.
• Khata Certificate: A Document that confirms your property’s entry in BBMP records. Search for a khata certificate when you need this proof.
• Khata Extract: A detailed extract of the Khata entry with property particulars.
• E-Khata: Digitized form of Khata records. If you wondered about the meaning of e katha, this is it.
• OC (Occupancy Certificate): Issued after verifying that a building is constructed per the sanctioned plan and is fit for occupation.
• EC (Encumbrance Certificate): Shows registered transactions on a property for a given period.
• Betterment Charges / Regularization Fees: Amounts payable for bringing properties into compliance, where allowed.

Step-by-step: Your first Khata transfer

1. Collect documents: Registered deed, tax receipts, ID/address proof, and seller’s Khata papers.
2. Fill the application: As per ward office requirements, attach copies and keep originals for verification.
3. Pay applicable fees: Get receipts.
4. Site verification if needed: Cooperate with inspectors.
5. Track status: Follow up at the ward office or via official channels.
6. Receive the khata certificate and extract in your name: Check details for accuracy.
7. Update tax records: Ensure future tax payments reflect your ownership and correct measurements.

Common myths: Quick fact checks

• Myth: Paying tax means my building is legal.
  Fact: Tax payment is separate from construction approvals and title validity.
• Myth: E-Khata equals A Khata.
  Fact: E-Khata is a digital format. Category depends on compliance.
• Myth: Banks always reject B Khata.
  Fact: Many do, some don’t. Policies vary. Approval is tougher and usually conditional.
• Myth: Once I get A Khata, I can extend floors freely.
  Fact: You still need a proper plan and sanction for any construction.

Final word: Choose clarity, then choose the home

Khata is not a mysterious legal code. It’s your property’s civic identity. A Khata tells the city your home checks out for key compliance needs. B Khata tells you and the city that there’s work to do. Many B Khata properties can be brought into compliance and converted to A Khata, but the time, cost, and even feasibility vary case by case.

If you love a home, put the paperwork first. Verify Khata status, check approvals, confirm taxes, and get a sharp legal opinion. Whether you’re applying for a loan, planning a renovation, or thinking about resale later, doing Khata right today keeps your options open tomorrow.

FAQs A Khata or B Khata Bangalore