🏢 Khata Types in Bengaluru: A-Khata, B-Khata & E-Khata Explained

✅ Quick Answer

In Bengaluru, B-Khata refers to properties that are recorded for tax purposes but do not fully comply with planning regulations, while E-Khata is the digital version of Khata records introduced by the Bruhat Bengaluru Mahanagara Palike to improve transparency and online access. E-Khata is not a category like A or B — it is an electronic record system.

🏢 What is Khata?

Khata is an official municipal record used to assess property tax and confirm property details such as ownership, size, and location.

It is essential for:

✔ property tax payment

✔ building approvals

✔ property transfer & sale

✔ utility connections

✔ loan processing

🅰️ A-Khata (Fully Compliant Properties)

Before understanding E-Khata and B-Khata, it is important to know A-Khata.

✔ Issued to:

• legally approved layouts

• properties complying with building regulations

• properties with valid land use approvals

✔ Benefits:

✅ eligible for bank loans

✅ building plan approvals allowed

✅ smooth resale & transfer

✅ high market value

👉 Most preferred property classification.

⚠️ What is B-Khata?

✔ Definition

B-Khata is a separate register maintained for properties that deviate from planning norms or are located in unauthorized layouts.

✔ Why B-Khata is issued:

• unapproved layouts

• building deviations

• missing approvals

• revenue land developments

✔ What B-Khata allows:

✔ property tax payment✔ municipal record entry

❌ Limitations:

❌ not fully legally compliant

❌ difficult bank loan approval

❌ building approval restrictions

❌ risk during resale

👉 B-Khata does NOT confirm legal compliance.

💻 What is E-Khata?

✔ Definition

E-Khata (Electronic Khata) is the digital version of municipal Khata records introduced for transparency, efficiency, and online access.

✔ Key Features:

✔ digital property records

✔ online verification & access

✔ improved fraud prevention

✔ faster service processing

✔ integration with municipal systems

👉 E-Khata modernizes property records.

⚠️ Important: E-Khata is NOT a Category

Many buyers misunderstand this.

✔ A-Khata → legal classification

✔ B-Khata → non-compliant classification

✔ E-Khata → digital format of records

👉 An A-Khata property can have an E-Khata record.

🔍 Key Differences at a Glance

Feature	A-Khata	B-Khata	E-Khata
Legal Compliance	✅ Yes	⚠️ Limited	✔ depends on A/B
Bank Loan Eligibility	✅ Yes	❌ Difficult	✔ if A-Khata
Building Approval	✅ Yes	❌ Restricted	✔ if compliant
Tax Payment	✅ Yes	✔ Yes	✔ Online
Digital Record	✔ Being digitized	✔ May be digitized	✅ Yes
Buyer Safety	✅ High	⚠️ Risk	✔ depends

🏡 Should You Buy a B-Khata Property?

✔ Possible if:

✔ priced significantly lower

✔ future regularization expected

✔ legal verification completed

⚠️ Risks include:

❌ financing challenges

❌ resale complications

❌ compliance penalties

❌ approval restrictions

👉 Always consult a property expert before purchasing.

💻 Benefits of E-Khata for Property Owners

✔ access property records online

✔ improved transparency

✔ reduces fraud & duplication

✔ easier updates & transfers

✔ streamlined municipal services

📄 How to Check Khata Status in Bengaluru

✔ Step 1:

Visit BBMP official portal

✔ Step 2:

Enter property details or PID number

✔ Step 3:

Verify owner name & property details

✔ Step 4:

Confirm classification & digital record

🔄 Can B-Khata Be Converted to A-Khata?

Yes, if compliance issues are resolved.

Conversion may require:

✔ layout approval regularization

✔ penalty payments

✔ building compliance corrections

✔ document verification

👉 Conversion eligibility depends on regulations and property status.

⚠️ Common Buyer Mistakes

❌ assuming B-Khata is fully legal

❌ confusing E-Khata with A-Khata

❌ skipping verification

❌ buying only based on low price

❌ ignoring loan eligibility issues

❓ Frequently Asked Questions

❓ Is E-Khata mandatory?

E-Khata is part of the digitization process and improves transparency, but compliance classification still matters.

❓ Can I get a home loan for B-Khata property?

Most banks do not approve loans for B-Khata properties due to compliance risks.

❓ Does E-Khata mean the property is legal?

No. Legality depends on whether the property is A-Khata compliant.

❓ Is B-Khata illegal?

Not illegal, but it indicates non-compliance with planning norms.

❓ Why is A-Khata preferred?

It ensures legal safety, financing eligibility, and smooth resale.

🏡 Expert Tip for Buyers

Before purchasing property in Bengaluru, always verify:

✔ Khata classification✔ approvals & zoning✔ ownership history✔ loan eligibility

Professional verification protects your investment.

📌 Disclaimer

This article is for informational purposes only and should not be considered legal advice. Regulations and compliance rules may change. Buyers should consult qualified legal and real estate professionals before making decisions.