Khata is a crucial document in real estate transactions across Karnataka, especially in Bengaluru. It serves as a record that the property is officially registered with the local municipal authority and is eligible for taxation and essential civic services. However, the type of Khata and the issuing authority can vary based on the property’s location. This guide provides an in-depth look into Khata, its types, application process, and importance.
What is Khata?
Khata is the property account maintained by a civic authority that includes the property owner’s name, property dimensions, usage, and tax obligations. It is a mandatory document for:
- Paying property taxes
- Registering or reselling the property
- Applying for building plan approvals, electricity, and water connections
- Obtaining loans from banks and financial institutions
Types of Khata
In Karnataka, there are three main types of Khata:
- A-Khata:
- Issued for properties with legal approvals, including layout, land use, and zoning.
- Complies with building bylaws and regular property tax payments.
- Eligible for bank loans, building plan sanctions, and trade licenses.
- B-Khata: (BBMP areas only)
- Issued for properties with deviations or pending approvals.
- Properties in unauthorized layouts or those with tax collection regularization.
- Not considered a legal ownership document; not eligible for bank loans or building plans.
- E-Khata:
- Digital version of A-Khata introduced under Karnataka’s e-governance initiative.
- Enables online applications, property tax payments, and digital record maintenance.
E-Khata: The Digital Khata
E-Khata streamlines the Khata application and management process by digitizing property records. It is accessible through the BBMP, Bhoomi, and e-Swathu portals.
Benefits of E-Khata:
- Instant access to property records
- Easy online application
- Secure and tamper-proof
- Accepted for most legal and banking purposes
Documents Required for E-Khata Application
- Sale Deed
- Property Tax Receipts
- Conversion Certificate (if applicable)
- Approved Layout Plan
- Owner’s ID Proof
How to Apply for Khata
- BBMP Properties: Apply through the BBMP portal or the SAKALA website.
- Panchayat Properties: Apply through the e-Swathu portal or the local panchayat office.
Authority-Wise Khata Types and Jurisdiction
- BBMP: Issues A-Khata, B-Khata, and E-Khata for core city areas.
- BMRDA: Authorizes Panchayats to issue A-Khata/E-Khata for approved layouts in peripheral zones.
- BIAPPA: Issues Khata for properties near the Kempegowda International Airport area.
- Gram Panchayat: Issues Form 9 & Form 11 Khata for rural and semi-urban areas.
Importance of Khata
- Proof of Ownership: Required for resale, title transfer, and inheritance.
- Loan Approval: Most banks require an A-Khata for loan processing.
- Civic Utilities: Necessary for BESCOM, BWSSB, and water connections.
- Tax Payment: Assists in property tax assessments and payments.
Common Issues and Red Flags
- Unauthorized layouts may not receive A-Khata.
- B-Khata properties are not eligible for building plans or loans.
- Verify property against BDA, BMRDA, or BIAPPA blacklisted lists.
Key Takeaways
- A-Khata is a complete, legally valid document essential for loans and approvals.
- B-Khata is only for tax collection and requires regularization to convert to A-Khata.
- E-Khata offers digital access and transparency in property records.
Ensure that the property has a valid A-Khata before purchasing to avoid future complications. Regularize B-Khata properties through schemes like Akrama-Sakrama (when active) to secure legal ownership and property rights.
Check, How to Register a Property in Karnataka – Step-by-Step Guide