A-Khata vs B-Khata in Bangalore: What Every Buyer Must Know
Khata is one of the most misunderstood — and most important — checks when buying property in Bangalore. Here's the plain-English difference between A-Khata and B-Khata.
By MatchMyGhar Advisory Team · Updated 19 August 2026 · 7 min read
On this page
In Bangalore, few things confuse buyers more than the Khata — and getting it wrong can block your home loan or trap you in a hard-to-resell property. Here is what A-Khata and B-Khata actually mean, and why it matters before you pay a rupee.
What is a Khata?
A Khata is an account maintained by the municipal body (BBMP) that records a property's details for tax assessment. It is not, by itself, proof of ownership — your sale deed is — but it is essential for paying property tax, getting building plan approval, applying for water and electricity connections, and securing a home loan.
A-Khata vs B-Khata — the real difference
- A-Khata: a fully legal, compliant property. Eligible for home loans, building plan sanction and trade licences, and straightforward to transfer or resell.
- B-Khata: recorded in a separate 'B register' for properties with pending compliance or irregularities. Financing is restricted, building approvals are difficult, and resale is harder.
Why it matters for buyers
Most banks will not fund a B-Khata property, or will fund it at a lower loan-to-value. B-Khata properties can also be harder to sell later and may carry regularisation risk. An A-Khata protects your financing, your resale value and your peace of mind.
Can a B-Khata become an A-Khata?
Sometimes — through regularisation, meeting compliance norms and paying the applicable charges — but it is not guaranteed and timelines vary. Never assume a B-Khata will convert; price and plan for the risk as it stands today.
What to check before buying
- The latest Khata certificate and Khata extract
- That the Khata is in the seller's name and matches the sale deed
- Whether it is A-Khata or B-Khata
- The e-Khata / e-Aasthi status now being rolled out in Bengaluru
- Up-to-date property tax paid receipts
Prefer A-Khata. If a property is B-Khata, treat it as a real risk — get legal advice and price it accordingly before you commit.
Last reviewed August 2026. Khata records are maintained by BBMP, which is digitising them through the e-Aasthi (e-Khata) system. Rules around B-Khata regularisation change periodically — authorities have indicated, for instance, that multi-storey B-Khata buildings will not be converted to A-Khata automatically. Verify a property's current Khata status on BBMP's official portal and take legal advice. This is general information, not legal advice.
Talk to a Bangalore property advisor
Have a question about your specific situation? Get free, no-obligation guidance from our team.
Frequently asked questions
Can I get a home loan on a B-Khata property?+
Usually not, or only at a reduced loan-to-value. Most banks strongly prefer A-Khata properties. Always confirm loan eligibility with your lender before committing to a B-Khata purchase.
Is a B-Khata property illegal?+
Not necessarily illegal, but it indicates pending compliance or irregularities. It carries higher financing, resale and regularisation risk than an A-Khata property.
What is the difference between a Khata certificate and a Khata extract?+
The Khata certificate confirms a property is registered in the municipal records (needed for registration and applications); the Khata extract gives the property's assessment details used for tax. Buyers should review both.
What is e-Khata in Bangalore?+
e-Khata (e-Aasthi) is the digitised Khata system being rolled out in Bengaluru to make records transparent and reduce fraud. Check the digital Khata status as part of your verification.
