In India, property ownership and legal documents are governed by various municipal and revenue records. There are two important documents of property transactions: Khata Extract and the Khata Certificate. It is governed by the Bruhat Bengaluru Mahanagara Palike(BBMP).
Wondering what a khata certificate and a khata extract are? The Khata Certificate and Khata Extract are official documents issued by the BBMP only. These documents play an important role in property tax assessment, ownership verification, and legal transactions. Whether you are a property buyer, seller or owner, you need to understand both the documents in detail.
Today, we will bring you a complete guide on the Khata certificate and Khata extract. It will help you to ensure smooth, legal and financial transactions while maintaining compliance with municipal regulations.
What is Khata Extract?
Khata extract is an official document issued by the municipal authorities, like the BBMP in Bengaluru. It provides a detailed summary of property records in the municipal register. Khata Extract gives detailed information about property tax records, as well as physical attributes. It provides detailed information about property taxes, the property owner’s name, plot size, built-up area, property identification number, purpose of use, as well as annual assessed values. The Khata extract is usually required when assessing tax liabilities, seeking a trade license or completing proper sales and transfers.
Importance of Khata Extract
- Property tax compliance: Khata extract is required for calculating, paying and verifying your property tax dues. It confirms your property taxes are up-to-date.
- Ownership verification: Confirm municipal level validation for your property which you are listed as a taxpayer.
- Essential for property transactions: It is an important document, especially for trade licenses, buying/selling and for municipal approvals.
- Utility collections: Khata extract is essential for water, electricity, and trade license connection and license.
What is a Khata Certificate?
The Khata Certificate is an official document that establishes property ownership itself. It acts as proof of property registration in the local municipal record. Khata certificates confirm that a property is registered under your name and that you are accountable for all the property taxes. Khata certificates contain details like the property owner’s name, property address, location, property identification number, as well as tax liabilities. This certificate is invaluable when you want to apply for utility connection, building permits, property registration, or a bank or financial loan. It acts as approval of municipal recognition for your property.
Importance of Khata Certificate
- Legal ownership proof: Khata certificate validates your property ownership in municipal records.
- Must for property-related activities: It is important for registering property-related activities like selling, building approval, etc.
- Loan and financial approval: It acts as a legal document when you are getting a house loan or a mortgage loan.
- Tax compliance: It is also required for property tax payment, tax assessment verification, and a clearing certificate.
- Development Approval: A Khata certificate is required when you are constructing a new project, property innovation, or a change in property usage.
Khata Extract vs Khata Certificate – Key Differences
| Feature | Khata Certificate | Khata Extract |
| Purpose | Confirms that a property is registered with the local municipal authority (e.g., BBMP) | Provides comprehensive information about a property, including its assessment and property tax details |
| Document Type | Certificate | Extract |
| Contents | – Owner’s name – Property details – Khata number – Assessment number |
– Property details – Property dimensions – Area – Usage (residential/commercial) – Tax assessment details – Owner’s name |
| Issued By | Bruhat Bengaluru Mahanagara Palike (BBMP) or the relevant municipal authority | Bruhat Bengaluru Mahanagara Palike (BBMP) or the relevant municipal authority |
| Use Case | Required for property registration, transfer of ownership, obtaining building/trade licenses, and utility services | Useful for verifying property details, tax assessment, and for legal/financial transactions involving the property |
| Legal Requirement | Mandatory for property registration and other official purposes | Primarily for information purposes, but often required during property transactions |
| Validity | Generally valid unless there are changes in ownership or significant alterations | Needs periodic updates to reflect current property details and tax assessments |
| Application Process | Submission of the application form, property documents, and payment of the fee | Submission of the application form, property documents, and payment of the fee |
| Typical Fee | Varies based on property value and BBMP regulations | Varies based on property value and BBMP regulations |
| Time to Obtain | Generally takes a few weeks after application submission | Generally takes a few weeks after application submission |
How Khata Extract Helps Property Owners in Bangalore
Khata extract is a snapshot of your property’s municipal tax record. It is very important for property owners in Bangalore, as it holds all the useful information about the property. It will help you in several ways.
- Legal verification: It acts as a legal verification of your ownership for any kind of legal procedure and transfers.
- Loan & lending support: Financial Institute or bank asks for Khata extract to confirm your ownership as well as tax compliance. You require it for any kind of loan.
- Tax monitoring: Khata extract will help you to verify that you are up-to-date with the taxes. It will help you to prevent future arrears and penalties.
- Mutation and changes update: During property sale, inheritance, or address change, you require a Khata extract document. You need it for any mutation and any kind of change.
- Utility and civic services: If you require any new connection like water, electricity, or other services, you will need a Khata extract. For trade license approval, you can use it.
How to Apply for a Khata Extract in Bangalore?
Obtaining a Khata extract in Bangalore is very easy and clear. You can apply it online as well as offline.
Here is a step-by-step application process
- At first, check your eligibility and gather all the required documents
- To apply online, visit the BBMP site.
- On the homepage, go to revenue service and click on “Khata extract”
- Enter your property ID or assessment number
- Upload all the required documents
- Pay the application fees
- Once it is verified, you can download your Khata Extract directly from here.
If you want to apply offline or physically.
- Go to your BBMP ward office or BangaloreOne Centre near your area.
- Fill out the Khata extract request form
- Make sure to provide all the required documents
- Pay the application fee
- Your request will undergo verification, physical inspection, and report generation.
- Once it is verified, you will receive your extract within 30 working days
Note: You can download your BBMP Khata extract document online. You even applied offline, too.
Documents Required for Khata Extract
Here is the list of required documents for the Khata extract. Make sure to submit all the listed documents to avoid delays-
- Property Identification: For property identification, submit Property Tax Receipt / Assessment Number and EPID or Assessment Number for online
- Proof of Ownership: For Proof of Ownership, submit Sale Deed (notarised copy) or earlier Khata Certificate if available, Encumbrance Certificate from Sub-Registrar’s Office
- Address/Identity Proof: For Address/Identity Proof, submit Aadhaar Card, Voter ID, Passport, or Driving Licence
- Property Layout & Utilities: For Property Layout & Utilities, submit Approved building/sketch plan (for apartments/high-rise), Betterment fee receipt, Conversion Certificate or DC-approved plan (if applicable)
- Additional for New or Transferred Properties: Submit if needed, Appeal letter (e.g., for mutation), NOC from BDA for B-type Khata, or GPS-tagged property photo if using the e-Khata system
How to Apply for a Khata Certificate in Bangalore
Applying for a Khata certificate in Bangalore is also very easy. You can apply it online or offline. Here is the step-by-step process on how you can apply for a Khata certificate in Bangalore.
- At first, choose your application mode.
- If you want to go online, visit the BBMP e-Aasthi portal. If you want to go online, then visit the Ward office or the Bangalore One Centre.
- Fill out the application form with the required details, like the owner’s name, address, Khata number, etc.
- Submit your required documents carefully in the correct format
- Pay the application fees
- Wait until the verification
- Once the BBMP verifies, you will get your Khata certificate within 15 to 1 months.
Benefits of Having a Valid Khata Extract in Bangalore
Holding a valid Khata extract in Bangalore provides a lot of benefits, like-
- Ensure legal ownership and municipal recognition
- Mandatory for loans and financial instruments
- Simplify property transactions
- Enable civic services and license
- Display tax complaints and avoid penalties
- Important for online and digital services
Why is a Khata certificate required for loans and utilities?
Financial institutions and utility providers require a valid Khata certificate as proof of legal ownership and municipal recognition. This shows that your property is officially registered and tax-exempt.
Who can apply for the Khata Certificate or Extract?
Any legal title of property may apply under the BBMP jurisdiction. For a khata property (fully approved and tax-transportation), you can apply through the BBMP form or E-AASTHI. Even the properties under B Khata (semi-canonical) may be eligible, although they may face restrictions such as difficulty reaching a debt.
Does Khata need to apply for utilities and municipal services?
Yes, the most essential services such as water and electricity, construction approval, business license and property mutation require a valid food certificate and/or extract. The recent mandate of BBMP (Effective from July 1, 2025) provides an e-khat or EPID number compulsory for all online building plan approvals.
What happens if I sell or move a property? Do I need a new Khata?
Yes, under Section 114 of the Karnataka Municipal Corporation Act, 1976, the property Khata must be updated within three months of a transfer by sales, gifts or inheritance. This includes sales karma, tax payment receipts and ID proof submission in the prescribed form. The BBMP processes the change, releases a new cost certificate and extract, and a new khata number can be assigned. Failing to update can lead to punishment, tax complications or legal issues.
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.
