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Knowing what Khata means is essential when purchasing real estate in Bangalore or any other part of Karnataka. Having a proper understanding of both A and B khata is essential as it helps you avoid legal issues and financial losses, regardless of your level of experience as an investor or first-time buyer. We here have mentioned the essential details of A khata and B khata along with their differences. Also, you will get to know the risk of buying these and how to turn B Khata into A Khata. So, continue reading to get the complete details of it.
What is Khata
A Khata is an official document that is issued by local municipal authorities or the Bruhat Bengaluru Mahanagara Palike (BBMP). For the purpose of assessing property taxes, it keeps track of information about a property. A Khata includes:
- Name of the owner
- Dimensions of the property
- Location and ID of the property
- Paid or owed taxes
A Khata, basically, is evidence that a property is in the municipal records. It is necessary for:
- Putting in applications for construction permits
- Obtaining connections for water and electricity
- Getting the property sold
- Making use of loans
Two primary varieties are A Khata and B Khata
What is A Khata & its Benefits :
According to Khata, property
- Complies with all laws and rules issued by the government.
- Possesses all necessary BBMP or relevant governmental approvals
- Has made all required payments, including taxes and improvement fees.
Benefits of A Khata:
- Qualified for bank and financial institution house loans
- Able to obtain approval for building plans
- Lawfully acceptable for building, sale, or transfer
- No problems obtaining municipal connections or trade permits
- Complete legal conformity is A Khata. It provides a “clean chit” to the property.
What is B Khata and its benefits
B Khata was established by the BBMP for properties that do not fully comply with the law under a different register known as the “B Register.” These:
- May be constructed without the required permits on revenue land.
- Possible infractions of the building plan
- It might not have been converted from agricultural to non-agricultural usage, or it might contain outstanding debts.
Benefits of B Khata Property
- BBMP views it as either semi-legal or illegal.
- Unable to acquire trade or building licenses
- Loans from nationalized banks are not available to you.
- Legally difficult to sell or transfer
- Increased likelihood of legal disputes
As a result, even though B Khata houses are frequently less expensive, there are financial and legal dangers involved.
Key difference of A Khata & B Khata
| Features | A Khata | B Khata |
|---|---|---|
| Legal status | Fully legal | Legal |
| License eligibility | Yes | No |
| Bank loan eligibility | Yes | No |
| Resale/Transfer | Easy | Difficult |
| Tax compliance | Paid | Partial |
| Betterment charges | Paid | Non paid |
11A and 11B khata
11A and 11B Khatas relate to properties under Gram Panchayat (not BBMP).
11A Khata
- Issued for properties that have all necessary paperwork
- Recognized by law
- Qualified for building permits and plans
11B Khata
- For properties that are contested or need full approvals
- Not qualified for building permits or loans
- Regarded as dangerous for purchasers
To determine the legal validity of a document issued by a Panchayat, always confirm if it is 11A or 11B.
How to convert B Khata to A Khata?
For resale and legal clarity, many property owners want to change B Khata to A Khata. Here’s how: Qualifications Conditions
- Pay off all of your unpaid property taxes.
- Assure DC conversion (land used for agriculture to land used for non-agriculture).
- Pay the betterment charges, which are the costs associated with bringing the land under BBMP control.
Methodical Procedure
- Go to Sakala Services Portal.
- Choose the Khata Transfer or Registration service after registering.
- Upload the necessary files: Deed of sale, Certificate of encumbrance, Receipts for taxes paid, Certificate of conversion, Approval of the building plan (if available), Pay the relevant fee.
Make use of your Sakala number to track the application. Obtain your A Khata certificate from BBMP after approval.
Is Purchasing B Khata Real Estate in Bangalore Safe?
Risk of purchasing real estate in B Khata:
- Not permitted by law to be built or sold
- Unable to obtain bank loans
- Conversion to A Khata in the future is not assured.
- At risk of being demolished if the government starts regularization campaigns
When is it considered?
Because of the affordable rates and advantageous location, some purchasers choose B Khata. However, you should only make such transactions after speaking with a legal professional.
- Verify whether DC conversion is feasible.
- Determine whether the costs of improvement can be covered.
- Inquire about the possibility of regularization under the Akrama-Sakrama system, if any.
Always confirm legal documentation and prospective convertibility before purchasing a B Khata property. Also Read: How to Check RERA Registered Projects in Bangalore
In Conclusion
Knowing the distinction between A and B Khata might make or break your Bangalore real estate choice. B Khata properties have limitations and hazards, but A Khata homes are legally safe. Make sure to conduct extensive legal due research if you’re thinking about buying a B Khata property because of financial limitations. To guarantee future security and compliance, look into the possibility of changing it to A Khata. At Guru Punvaanii, we simplify the complex legal aspects of property buying, whether you’re considering an A Khata or exploring the risks of a B Khata. Our team ensures every plot or villa is thoroughly verified, legally compliant, and future-ready.
