When the Bruhat Bengaluru Mahanagara Palike (BBMP) was established in 2007, the officials devised the notion of 'khata.' What exactly is a Khata? The purpose of introducing khata was to make property tax collection in Bangalore more efficient. Prior to 2007, property tax collection in Bangalore was handled by three different bodies, making efficiency difficult.
The BBMP began keeping two different registers, BBMP Akhata and BKhata, to avoid any redundancy. Let us first define Akhata in Bangalore. The first register, with 'A Khata' properties, is a record of authorized or partially authorized properties in Bangalore, whilst the second register, with 'B Khata' properties, is a record of unauthorised or partially authorized properties in Bangalore.
The owner's credentials, demarcations, location, carpet area, and built-up area of the property are all listed on a Khata Certificate. The Khata document is also used to pay property taxes in the state of Karnataka, particularly in Bangalore.
What is the Function of Khata?
For a property investor or homebuyer, the Khata categorization is quite useful. It informs the potential investor about the property's authenticity. The Khata document might also help you get a loan from a bank or another housing finance company. The following are some of the advantages of Khata:
Allows you to determine the property owner's trustworthiness.
All of the property's relevant information
Property tax filing and payment
Can connect to the property for water and power
Obtaining a loan is simple.
Who is Eligible for the Khata?
A property's genuine and legitimate 'Title' owner can apply for Khata in the approved format. The BBMP can issue a Khata if the property documents are up to date and there are no anomalies in the approvals relating to the property.
The Title Holder must present the required property documents, such as the Title Deed, Encumbrance Certificate, and property tax receipts, to the 'Assistant Revenue Officer' or Revenue Officer in order to apply for a Khata. Khata applications can also be submitted at a Karnataka government-approved 'Citizens Services Centre.' In order to apply for a Khata, you must complete out a form. You will receive an acknowledgement after you submit the form.
Bangalore charges include a Khata certificate and a Khata extract.
A Khata certificate costs Rs 25 and a Khata extract costs Rs 100. A copy of A Khata certificate or A Katha extract can be obtained at the relevant assistant revenue officer's office or any of the citizen service centres.
The Benefits of owning a Khata
A khata is a recognized and valid legal instrument that grants the property owner several rights. Within the confines of his property, the owner of a khata can erect any business or home structure. In addition, an A khata can be utilized to obtain loans from banks and other financial institutions. A khata certificate is a document that can be used to sell or transfer ownership of a property.
Are a Khata and a Title Deed same?
Certainly not. A khata is used to make property tax collection easier, but a title deed establishes who owns the property.
What are the two sorts of Khata?
A Khata and B Khata are the two varieties of Khata.
A Khata:
This document certifies that the owner has paid the BBMP the correct amount of tax. A Khata denotes that property in Bangalore conforms with all government and property-related construction regulations. Property owners who have the A-Khata document can apply for building plan approval, trade approvals, building licenses, and bank loans for their property.
B Khata:
This document indicates that the owner's Bangalore property is illegal or in breach of government regulations. Loans, extensions, and construction permissions will be denied to properties designated under B Khata. It is not possible to sell the such property because it is classified as unlawful or semi-legal. Furthermore, procuring electricity and water for a B Khata home is quite difficult. B Khata property can be transformed to A Khata by paying betterment fees and other penalties.
A Khata vs. B Khata in Bangalore: What's the Difference?
A Khata or B Khata is a phrase used in Karnataka to describe the types of properties available, particularly in Bangalore. While A Khata homes have legitimate paperwork that has been confirmed by government organizations, B Khata properties are untrustworthy and have documentation inconsistencies.
It is critical to understand what A Khata and B Khata are and how A Khata differs from B Khata before purchasing a property in Bangalore (A Khata vs B Khata). Understanding these issues allows us to make better decisions while also avoiding many avoidable complications.
The BBMP has compiled a list of properties that fall under the B Khata category.
The B Khata classification of properties is used by the BBMP to classify the following properties.
On a revenue basis, built buildings in violation of the law.
Construction and land properties that are not approved.
A Khata vs. B Khata: What's the difference?
The property market is dominated by A Khata and B Khata properties. An investor must understand the distinction between A Khata and B Khata properties in order to avoid legal complications later on.
A Khata
Authority: Bruhat Bangalore Mahanagara Palike (BBMP)
The title holder is responsible for paying all taxes required.
The permit is available for construction
Can obtain loans
Property selling and ownership transfer are permitted
Trade licenses are available
Legal Properties
The BBMP does not allow for property extension renovations.
B Khata
Authority: Local Authority
For tax collection purposes, the BBMP has a separate register for B Khata properties.
Construction is prohibited
Loans are denied
Cannot sell or expand the property
No trade licenses available
According to a Karnataka High Court judgment, illegal properties are those that are not legally owned.
The BBMP has made it clear that the current property cannot be extended.
How can I apply for a B Khata property to be converted to an A Khata?
In Bangalore, it is feasible to convert between A Khata and B Khata. To apply for conversion from A Khata to B Khata, you must pay all of the Bruhat Bangalore Mahanagar Palike's tax dues, penalties, property taxes, DC conversion charges, and improvement charges (BBMP).
B Khata to A Khata conversion is achievable if the property owner pays the B Khata to A Khata conversion fee, clears all dues, including property tax and DC conversion charges, and pays the BBMP's betterment charges.
In Bangalore, a list of documents required for Khata conversion is below.
For B Khata to A Khata conversion in Bangalore, the following documents must be given to the BBMP or ARO.
Copies of paid property taxes that have been certified
Property sale deed
Deed of Title (In the name of a lawful owner)
Certificate of land conversion from agricultural to non-agricultural usage (If agricultural land earlier)
The location of the property is clearly marked on a blueprint.
Blueprint containing dimensions and specifications for the property
Any improvement charges paid to the BBMP must be documented with a certificate or receipt.
Certificate of Occupancy (OC)
Certificate of Khata Extraction
Conversion of Khata (In-person/Offline): A Step-by-Step Guide
To convert the land from agricultural to non-agricultural, you must apply to the District Commissioner (DC) Conversion.
Confirm that all property tax obligations are paid up to the application deadline.
Obtain the Khata form/format from the BBMP office and fill it out completely.
All property documentation that must be presented with the Khata conversion application must be listed on the application form.
Under the BBMP regime, the charges for changing B Khata to A Khata are known as improvement charges. To the assistant revenue officer, submit the completed form, along with the property tax receipts and other required documentation.
If the BBMP finds all of the paperwork to be correct, the Khata document will be issued within 4-6 weeks of submission.
B khata to A khata conversion: Bangalore's online khata conversion procedure
Although many people have had issues obtaining the Khata certificate and Khata extract online, the procedure of khata conversion is also available online. The steps are as follows:
Go to https://site.bbmp.gov.in/citizenservice.html to get started.
Select the khata transfer option from the drop-down menu.
Fill in the required information.
You will have to upload the relevant documents.
You will be given a Sakala number, which you may use to track the status of your request. Every stage will also be sent to you via SMS. When you're notified, go online or to BangaloreOne to get the khata extract.
Which properties in Bangalore can be transformed into a Khata?
Although it is feasible to convert a B Khata property to an A Khata property, only those properties with minimal deviations and alterations from the acceptable plan or design are permitted to do so. A Khata characteristics cannot be turned into gross deviations or completely distinct and unauthorized designs.
What is the procedure for applying for Khata?
To apply for Khata of your property, follow the processes outlined below. It is necessary to obtain an attested sale deed and an Encumbrance Certificate (EC) from the sub-registrar office before applying for the Khata.
Download the application form from the BBMP website. You can also pick up an application form at your local BBMP office.
Complete the application form with all relevant information and attach the title deed (attested/notarized), property allotment documents, old tax receipts, Possession certificate, Encumbrance Certificate (EC), and a drawing of the property with location and boundaries.
Complete and submit the form. In around five weeks, you will receive the materials.
If you don't get the certificate in a timely manner, you can file an RTI request if you don't get a response after two months.
Finally, a property investor must be able to distinguish between A Khata and B Khata. Understanding A Khata and B Khata will help you make better property investment decisions and avoid legal pitfalls.
Do owners of B khatas have any legal rights?
Even B khata property owners had some rights in terms of property ownership in Bangalore until 2014. However, in December 2014, a Karnataka High Court judgment declared all legal rights null and void. B khata properties must now be converted to A khata in order to avoid any difficulties during the sale, acquisition, or transfer of the property.
Is keeping B khata in Bangalore safe?
Having a B khata home has no unique safety concerns. You can also sell your property with a B khata. However, if you wish to develop or repair your home, you may run into problems because a B khata does not grant you building rights.
Is it possible to receive a loan on B khata properties?
Nationalised banks will not lend against a B khata property since the B khata is not a legal or official document establishing ownership. Individuals can obtain loans from private banks, although the interest rates on loans secured by B khata properties are greater than those on loans secured by A khata properties.
As a seasoned expert in real estate and property regulations, I bring a wealth of knowledge and practical experience to shed light on the intricate details of property categorization in Bangalore, specifically the concepts of A Khata and B Khata. My expertise in this domain is evidenced by a deep understanding of the legal and procedural aspects involved in property transactions, tax collection, and documentation.
Let's delve into the key concepts mentioned in the article:
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Introduction of Khata in Bangalore:
- The Bruhat Bengaluru Mahanagara Palike (BBMP) introduced the concept of 'khata' in 2007 to streamline property tax collection in Bangalore.
- Before 2007, property tax collection in Bangalore was managed by three different bodies, leading to inefficiencies.
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A Khata and B Khata:
- The BBMP maintains two registers: A Khata for authorized properties and B Khata for unauthorized or partially authorized properties in Bangalore.
- Khata Certificate includes owner's credentials, property details, and serves the purpose of property tax filing and payment.
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Function of Khata:
- Khata helps property investors and homebuyers assess a property's authenticity.
- It facilitates obtaining loans from banks or housing finance companies.
- Khata is crucial for connecting to water and power services.
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Eligibility for Khata:
- The genuine and legitimate title owner can apply for Khata if property documents are up to date with no anomalies in approvals.
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Difference Between A Khata and B Khata:
- A Khata signifies properties conforming to regulations, allowing for construction, loans, and legal transactions.
- B Khata denotes illegal or non-compliant properties, facing restrictions on loans, construction, and property transactions.
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Khata Conversion:
- B Khata properties can be converted to A Khata by paying betterment fees, penalties, and other charges.
- Required documents for conversion include property tax receipts, sale deed, title deed, land conversion certificate, and others.
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Applying for Khata:
- The property owner must submit required documents to the Assistant Revenue Officer to apply for Khata.
- Khata application forms can be submitted at Karnataka government-approved Citizen Services Centres.
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Online Khata Conversion:
- The BBMP provides an online procedure for Khata conversion, allowing applicants to track the status through Sakala number.
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Legal Rights and Concerns:
- B Khata property owners had some rights until 2014, but a Karnataka High Court judgment nullified them.
- B Khata properties must be converted to A Khata to avoid complications during property transactions.
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Loan on B Khata Properties:
- Nationalized banks may not lend against B Khata properties due to their non-legal status.
- Private banks may offer loans, but interest rates are generally higher compared to A Khata properties.
In conclusion, my comprehensive understanding of A Khata, B Khata, and the associated legal and procedural nuances positions me as a reliable source for navigating the complex landscape of property transactions in Bangalore.
