Know the Difference between A Khata and B Khata and its impact on your Bangalore Property

Is it possible to get a loan on B khata property?

Yes, it is possible to get a loan against B Khata properties, but it can be difficult due to legal issues linked to unauthorised construction. Most national banks typically do not offer loans for B Khata properties. However, some private banks may provide loans, but the interest rates are generally higher.

Panchayat Khata(E- Khata)

It is an official document issued by the Gram Panchayat, similar to the one issued by the Bruhat Bengaluru Mahanagara Palike (BBMP). It applies to properties within urban areas falling under Gram Panchayat jurisdiction, even if those villages are located within the broader Bangalore district.
For example: While a major part of Marathahalli falls under BBMP limits some pockets on the outskirts, especially towards the north and east, might still be under Gram Panchayat control and have Panchayat Khata. This is because Bangalore’s urban sprawl is constantly expanding, and some villages are gradually being integrated into the city limits.

Is it possible to convert B Khata into A Khata?

Yes, it is possible, but before a conversion application can be filed one has to clear all the prescribed tax dues, penalties, property taxes, DC conversion charges, and the betterment charges levied by the relevant authorities.

When is Khata Transfer Required?

Transfer is mandatory whenever ownership of a property changes hands. This can happen due to:

• Sale

• Gift

• Will

• Death of the owner

To initiate the process, you have to submit a requisition letter along with the following documents: the title deed, tax payment receipts, details, national savings certificate, death certificate (if applicable), and an affidavit declaring the legal heirs.

How long does it take to complete a Khata transfer?

Expect the transfer process to be completed within 30 to 45 days, depending on various factors like

• Document Accuracy :

  All submitted documents must be complete and accurate to avoid delays in processing or revisions.

• BBMP Inspection :

  The Bangalore Municipal Corporation (BBMP) may conduct a property inspection, which can impact the timeline.

• Incomplete Documents :

  Missing or incorrect documents will require resubmission, causing delays.

• Bureaucratic Delays :

  The transfer process can sometimes be frustratingly slow due to bureaucratic hurdles. The transfer process relies on the interconnected work of the BBMP, Sub-Registrar, and Revenue Department. This interdependence can cause delays if any department faces an increased workload or any other issue.

The Importance of the following departments in Khata transaction:

• BBMP (Bruhat Bengaluru Mahanagara Palike) :

  Maintaining and updating property records, assessing property taxes, and issuing

• Sub-Registrar :

  The Sub-Registrar acts as a legal custodian, ensuring proper documentation and adherence to legal regulations during property transactions by registering the sale or transfer of property rights.

• Revenue Department :

  The Revenue Department plays a vital role in verifying the complete payment of property taxes before approving the transfer of Khata certificates.

How to do Khata transfer in Bangalore?

Online Transfer via Sakala Portal:

• Step 1 :

  Visit the official Sakala website(https://sakala.kar.nic.in/).

• Step 2 :

  Select “Khata Transfer” and download the online application form.

• Step 3 :

  Enter your name as it appears on your Aadhaar card, property details (type, measurements, status), and contact information (mobile number and email address) as per the Sale Deed.

• Step 4 :

  Attach all necessary documents and submit the completed application form online.

• Step 5 :

  BBMP will Assess the property and notify you of the charges.

• Step 6 :

  Collect it from the BBMP office.

Khata transfer charges in Bangalore

The registration fee is typically calculated as 2% of the property’s value stated in the sale deed.
Let’s say you have a property with a sale deed that states its value as Rs. 50,00,000 (50 lakhs). To calculate the transfer fee, you would take 2% of this value:
2% of Rs. 50,00,000 = 0.02 * 50,00,000 = Rs. 1,00,000
So, the transfer fee for this property would be Rs. 1,00,000.

Why is having a Khata essential?

To sum it up it is one of the important documents that a homeowner must possess to verify ownership of the property and enjoy the benefits associated with it.

• Provides complete information about the property, such as type, size, location, area, flat or house number, number of floors, and establishment date.

• Assists property owners in obtaining trade licenses and loans.

• Simplifies the process of filing and paying property taxes.

• Helps in securing electricity and water connections for the property.

Conclusion

Each state in India has its own requirements for property documents. By understanding the legal status of a property, you can make a better decision when buying your home. Choosing a property with complete documentation ensures a smoother ownership experience and helps avoid future financial issues.