A Khata certificate is one of the most essential documents one has to have in Bangalore when it comes to their property ownership. Whether you are buying, selling, or planning to construct on a property, it is important to know whether the property has an A Khata or an E Khata.
Most people have no idea what these terms mean or how they affect a property transaction. This guide tells you about A Khata vs E Khata, how this will affect your property rights, and how you can get your house in complete compliance with all BBMP rules by 2025.
Why Understanding Khata Type Matters for Property Owners in Bangalore
If you are in Bangalore or planning to buy property in Bangalore, then you must know what Khata is related to any property. Khata is a document that confirms that your property is registered by BBMP (Bruhat Bengaluru Mahanagara Palike) and is compulsory to take a loan, get legal approvals, and get permission for construction.
For BBMP, A Khata and E Khata are important, whatever you can legally do with the property. This is not just paperwork, the A Khata and E Khata difference decides if your property is fully approved or pending regularisation.
What is A Khata?
Meaning: A Khata is a legal certificate issued by the BBMP to properties that follow all building and zoning laws. It confirms that the government fully approves and legally recognises your property.
Eligibility Criteria:
To be eligible for an A Khata, your property must:
- Be located within the BBMP limits.
- It will be built in an approved layout with a sanctioned building plan.
- Have all valid ownership documents like the sale deed.
- Have no dues related to property tax.
- Follow all BBMP construction norms.
Benefits of A Khata:
- Loan approvals: Khata properties are eligible for home and property loans from all major banks. Banks trust A Khata because it shows the property is legally clear and properly registered with the BBMP.
- Building permissions: If you plan to build, extend, or modify the property, BBMP will only allow it if the property has A Khata. This certificate is needed to apply for any building-related permissions.
- Utility services: Khata properties are eligible for water, electricity, and sewage connections. BBMP processes these services only if the property is fully approved.
- Resale eligibility: Buyers prefer an A Khata because it ensures a clear title and no legal complications. Having an A Khata makes it easy to sell or transfer ownership.
- Commercial licenses: If you plan to use the property for a shop or business, A Khata is necessary. BBMP issues trade licenses only for properties with legal status.
- Legal safety: In any property dispute or government verification, A Khata acts as proof that the property is legal. It gives you peace of mind as a lawful property owner.
What is E Khata?
Meaning: E-Khata is a digital property record introduced to simplify tax payments. However, it does not guarantee full legal status. It is usually issued to properties in unapproved layouts or recently added BBMP areas.
Eligibility Criteria:
E Khata is issued when:
- The property is in a revenue layout or a gram panchayat area.
- The layout is not officially approved by the BBMP.
- Property tax is being paid online through the BBMP or panchayat systems.
- Documents may be incomplete or pending verification.
Benefits of E Khata:
- Basic record-keeping: E Khata allows property owners to maintain digital records and pay taxes online. It helps establish some level of recognition for the property with the BBMP.
- Tax compliance: Even if the property is not fully approved, you can still pay taxes and avoid fines. This helps when you later plan to convert E Khata to A Khata.
- Initial documentation: While it does not confirm legality, it’s a useful step for starting the regularisation process. Once all requirements are met, the property can move towards full legal approval.
Also Read: BBMP E-Khata Ultimate Guide
Key Differences Between A Khata and an E Khata
Understanding the difference between A Khata and E Khata is essential for property buyers and owners. It affects everything from getting a loan to getting a water connection.
| Feature | A Khata | E Khata |
|---|---|---|
| Legal Status | Fully approved and legal | Not fully legal; requires approval |
| Issued By | BBMP | BBMP / Gram Panchayat |
| Layout Status | Approved layout | Unapproved or revenue site |
| Construction Approval | Construction is permitted | Construction is not permitted |
| Home Loans | Eligible for loans | Not accepted by banks |
| Utility Connections | Full access to services | May not be eligible for basic services |
| Resale | Easy to sell or transfer | Difficult to sell, fewer buyers are interested |
| Conversion Needed? | Not needed | Must convert E Khata to A Khata for legality |
Can You Convert E Khata to A Khata?
Yes, it is possible to convert E Khata to A Khata if the property meets BBMP’s regularisation requirements. This conversion makes your property fully legal and unlocks all the benefits that come with A Khata.
Requirements:
To be eligible for conversion, the property must:
- Be within BBMP limits.
- Be part of a layout that can be regularised.
- Have a valid sale deed and other supporting ownership documents.
- Have no outstanding tax dues.
- Be eligible under the government regularisation schemes.
Steps to Convert E Khata to A Khata
If you want to convert your E Khata to A Khata, then it is a very straightforward process. Just follow the following steps-
Step 1: Apply BBMP – https://bbmp.gov.in/
Visit the BBMP ward office or use online services to apply for conversion. The application should mention your request to convert E Khata to A Khata and include property details.
Step 2: Provide supporting documents
Attach all required documents such as the sale deed, tax payment receipts, encumbrance certificate, and a copy of the current E Khata. These are used to confirm ownership and compliance.
Step 3: Pay betterment charges
BBMP requires payment of development charges known as betterment charges. These are fees for infrastructure development, like roads and drainage in unapproved layouts.
Step 4: Site inspection by BBMP
BBMP may send officials to inspect the property and verify its eligibility. If any part of the property is found non-compliant, you may need to correct it before approval.
Step 5: Receive A Khata certificate
Once everything is verified and approved, BBMP will issue the A Khata certificate. This officially completes the conversion from E Khata to A Khata.
Also Read: How to Transfer BBMP Khata Online
How to Check Your Property’s Khata Type Online
BBMP has made it easy for property owners to check their Khata details through their official portal. Steps to Check:
- Visit: https://bbmptax.karnataka.gov.in
- Enter your SAS number or property ID as per your tax receipt.
- View the displayed property information, including the Khata type.
- If your property shows “A Khata,” it is fully approved. If it shows “E Khata” or has no Khata record, you may need to visit the BBMP office for clarification.
Checking online helps you verify whether your property is registered properly under the BBMP A Khata and E Khata records.
FAQS – A Khata vs E Khata
Can I get a bank loan with E Khata?
Yes, E-Khata is eligible for loans.
Is E Khata illegal?
It is not illegal but lacks full legal approval. It is a temporary record until proper regularisation is done.
Can I sell a property with E Khata?
Yes, but resale is difficult and often brings a lower price. Most buyers prefer A Khata properties due to legal clarity.
What are betterment charges?
These are development charges paid to the BBMP during the conversion process. It is one of the key steps when you convert E Khata to A Khata.
How long does Khata conversion take?
Depending on documentation and property conditions, it may take 2 to 6 months.
Is there any risk in buying an E Khata property?
Yes, unless you’re sure it can be converted. It’s safer to buy a property that already has an A Khata.
Sangeetha Mahesh Author
Sangeetha Mahesh is the founder of SriMas Associate, a company that helps people with licenses, insurance, and managing properties. She has studied many subjects like B.Com, MA, and LLB, and has over 15 years of experience in helping businesses and individuals with complicated rules and managing their assets. Sangeetha's work is focused on providing solutions that are good for her clients, and she works hard to give the best service. On her blog, she shares helpful tips and advice about licenses, insurance, and property management, so that her readers can make smart choices.
