Understanding the Differences Between A Khata and B Khata in property
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Comparing A Khata and B Khata: Understanding Property Tax in Bengaluru

Considering buying a property in Bangalore? Understanding the difference between A Khata and B Khata properties is crucial for a smooth and secure transaction."

When purchasing a property, whether it is for residential or commercial purposes, there are several procedures that must be followed. Among these procedures, the legal aspects are the most crucial.

The BBMP issues two types of Khata certificates – A Khata and B Khata. Let us explore the specifics and gain a comprehensive understanding of Khata certificates – from the process of obtaining them to their importance, as well as the distinctions between A Khata and B Khata.

What is a Khata Certificate?

The Khata Certificate is an essential legal document that provides detailed information about property ownership. Introduced in 2007 with the establishment of BBMP in Bangalore, this certificate aims to streamline tax collection processes. Issued by BBMP, the Khata Certificate includes details such as property size, area, location, and classification (residential or commercial).

Why Should You Get a Khata Certificate?

As you are already aware, possessing a Khata is an essential requirement for all property owners in Bangalore. It is a crucial document needed to acquire building licenses, layout plan approvals, and bank loans. Moreover, holding a Khata facilitates the process of obtaining electricity and water connections.

Differences Between A Khata and B Khata

Now, let's delve into the main differences between A Khata and B Khata properties:

  • Legality: An A Khata signifies a property that has been constructed following all BBMP regulations and approvals. B Khata properties, on the other hand, might have deviated from building bye-laws or lack essential clearances. In some cases, they might be situated in unauthorized layouts.
  • Loan eligibility: Banks and financial institutions generally consider A Khata properties for home loan approvals. Obtaining a loan for a B Khata property can be challenging, though some lenders may offer special schemes with stricter conditions.
  • Tax implications: Both A Khata and B Khata properties are subject to property tax. However, the tax rate for B Khata properties might be slightly higher to discourage such constructions.
  • Benefits and facilities: A Khata owners enjoy access to various utilities and amenities like water connections, sewage facilities, and trade licenses (if applicable). B Khata properties might face limitations in accessing these facilities.
  • Resale value: Properties with A Khata certificates have a significantly higher resale value compared to B Khata properties. Buyers are more confident investing in properties with clear legal titles.

  • How to Convert a B Khata Property into an A Khata Property?

    To fully benefit from a B Khata property, it is crucial to convert it into an A Khata property. Continue reading to discover the steps involved in this process.

    Conversion of a B Khata property into an A Khata property is permissible if the property has only minor deviations. However, if there are significant violations or major changes, conversion is not allowed. Before applying for the conversion, it is important to settle all outstanding dues such as property tax, penalties, DC conversion charges, and betterment charges imposed by BBMP. Once this is done, you must submit the following documents to the Assistant Revenue Officer, BBMP.

    1. Certified copies of paid property tax

    2. Sale deed of the property

    3. Title deed, registered under the lawful owner's name

    4. Conversion certificate of the land from agricultural to non-agricultural use, if applicable

    5. Clear blueprint indicating the property's location, dimensions, and specifications

    6. Certificate or receipts of any improvement charges paid to BBMP

    7. Occupancy certificate

    8. Khata extract certificate

    If you prefer to complete the entire process online, you can visit the following website: www.sakala.kar.nic.in/online/bbmp

    Before buying a Apartment in Bangalore Consider Khata Certificate

    Once you log in, select the Khata transfer option from the menu. Then, you will need to provide the required data and upload the necessary documents (as mentioned in the list above). After completing these steps, you will receive a Sakala number, which can be used to track the progress of your request. To ensure a smooth conversion from B Khata to A Khata, you will receive SMS updates at each stage. Once your A Khata certificate is ready, you will be notified, and you can either download it or visit BangaloreOne to obtain a physical copy.