Clear, simple differences explained for home buyers and investors in Bangalore Urban, Bangalore Rural, and across Karnataka.
Confused about A Khata, B Khata, E Khata, and Hakku Patra? You are not alone. Many buyers in Bangalore struggle to match property documents with loan eligibility. This guide explains each term in simple words, so you can buy safely and apply for the right loan at the right time.
Quick Summary (2025)
- A Khata: Fully regularized. Widely accepted by banks for home loans.
- B Khata: Not fully regularized. Limited lenders; more checks, possible higher risk.
- E Khata: Digital record of Khata in select areas. Acceptance varies by jurisdiction and lender.
- Hakku Patra: Ownership/rights issued by govt schemes in rural/gram areas. Case-by-case loan eligibility.
What Is Khata?
Khata is a property account in the local civic body’s records (like BBMP/BDA/BMRDA or Gram Panchayat). It helps calculate property tax and proves the property is recorded with the authority. It is not a title deed, but it is an important record that lenders check.
A Khata: Meaning, Uses, and Loan View
- Meaning: Property is regularized as per local norms. Taxes are up to date.
- Where common: Planned layouts, approved apartment projects, converted lands with approvals.
- Loan view: Strongest acceptance by banks/NBFCs; faster processing and better terms.
- Buyer tip: Still verify encumbrance (EC), approvals, and building plan before paying token advances.
B Khata: Meaning, Risks, and When Loans Are Possible
- Meaning: Not fully regularized; often linked to revenue properties, partially approved layouts, or deviations.
- Risks: Regularization may be required; approvals or building deviations can delay or block loans.
- Loan view: Select lenders may consider with extra checks, higher margin, or stricter conditions.
- Buyer tip: Budget for possible conversion/regularization costs; take legal opinion before agreement.
E Khata: Digital Era Khata
- Meaning: Electronic version of Khata used by certain local bodies; it reflects property tax and ownership data online.
- Loan view: Lender acceptance varies. Banks verify the issuing authority and database authenticity.
- Buyer tip: Check if E Khata is recognized in your area (BBMP/BMRDA/Gram Panchayat) and match details with EC.
Hakku Patra: Government-Issued Rights
- Meaning: “Hakku Patra” (Rights Deed) often arises from government allotment/regularization in rural or village areas.
- Loan view: Highly case-specific. Some lenders may not accept; others may allow with additional security or conditions.
- Buyer tip: Confirm transferability, restrictions on sale/mortgage, and required NOCs before paying advances.
Loan Eligibility Snapshot (General Guidance)
| Document Type | Typical Lender View | What To Prepare |
|---|---|---|
| A Khata | Widely acceptable | EC, tax receipts, sanctioned plan, OC/CC if applicable |
| B Khata | Selective acceptance with extra checks | Conversion status, layout approvals, setback/FAR compliance |
| E Khata | Varies by area/lender | Authority recognition proof, database print, match with EC |
| Hakku Patra | Case-by-case; sometimes not accepted | Allotment papers, restrictions/NOCs, mutation & tax records |
Note: Policies differ by lender and location. Always verify with the concerned civic body and your lender before committing.
Documents You Should Always Check
- Title deed (absolute sale deed / gift / partition as applicable)
- Encumbrance Certificate (EC) (at least 13–30 years trace if possible)
- Khata certificate & extract (A/B/E as applicable)
- Tax paid receipts (latest)
- Approved layout/building plan and OC/CC (for apartments)
- Conversion order (DC conversion) if from agricultural to residential/commercial
Buyer Scenarios (Simple Examples)
- Ramesh (Teacher): Buying a flat with A Khata in Yeshwanthpur → Fast loan approval due to clear records.
- Priya (Entrepreneur): B Khata site in Anekal → Bank asks for conversion status; broker helps with a lender who accepts with conditions.
- Shankar (NRI): Village land with Hakku Patra → Needs legal review and NOCs; loan only after conditions are met.
Frequently Asked Questions
Can I convert B Khata to A Khata?
Often possible through regularization/conversion if rules permit and dues are cleared. Process and fees vary by area.
Is E Khata equal to A Khata?
No. E Khata is a digital record format. Acceptance depends on the issuing authority and the property’s compliance status.
Do banks give loans for Hakku Patra properties?
Sometimes, but it is case-by-case. Many lenders need extra checks or may decline. Always verify first.
Need Help Checking Your Khata & Loan Eligibility?
We specialize in A/B/E Khata and Hakku Patra cases across Bangalore & Karnataka. Get a free document review and lender match.
Call / WhatsApp: +91-78292-11579 | Email: udaysagarfinancialservices@gmail.com
Disclaimer: Information is general and for awareness. Rules and lender policies change by area and time. Please verify with BBMP/BMRDA/Gram Panchayat and your lender before purchase.
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