You may have heard of “A Khata” and “B Khata” when buying & property registration in Bangalore or elsewhere in Karnataka. These terms are important for registering properties. They often confuse first-time buyers. This blog explains A Khata and B Khata, their differences, and their importance in property registration.

What is A Khata?

“A Khata” refers to property registration. It applies to properties licensed by the local municipal corporation or authorities. People say you own a property with A Khata. This means it has all the required approvals and complies with local rules.

In simple terms, it is a clean, legal property. The government has approved it. You can do whatever you wish with it. You can take loans on it, sell it, or even build on it.

What is B Khata?

“B Khata” means properties with local authority approval issues. They do not follow the rules and regulations. Such properties might have issues like unauthorized construction. They may not meet building regulations.

B Khata properties cannot apply for legal activities. This includes home loans, property loans, and even electricity and water connections. The government may not have considered these properties as validly registered. People can buy or sell these properties, but there are risks. B Khata properties might have problems like:

• Unauthorized construction.
• Not adhering to the approved building plan.
• Not paying property taxes on time.
• On land without proper zoning approval.

Why Does the Difference Matter?

The difference between A Khata and B Khata is clear. It helps buyers and sellers make better decisions. A Khata property is less risky. Its legal status is clear. Your property may be hard to get due to legal issues. It may also face future legal problems with approvals and loans.

Key Differences Between A Khata and B Khata

Now let’s summarize the key differences between A Khata and B Khata in a simple table format:

How Do You Know if Your Property Has A Khata or B Khata?

Before purchasing a property, check whether it is A Khata or B Khata. Here’s how you can check it:

• Property Records: First, visit the local municipal or revenue office for the property. They will be able to give you the details of the property’s registration and tell you if it is A Khata or B Khata.
• Talk to a lawyer or consultant: A lawyer or property expert is the best source for advice on property status. They can help verify your status on the property and ensure that everything is set for you to buy that property.
• Review the Documents: When you buy a property, ask the seller for all important documents. If the property has an A Khata, then its records must be clear in the municipal database.

How Can B Khata Be Converted to A Khata?

One can convert a B Khata into an A Khata property; however, that takes time, effort, and money. Below are the procedures you would need to go through to convert your B Khata property into an A Khata:

• Legal Compliance: You must check if the property meets all legal requirements. This includes the zoning approvals and building regulations.
• Clear Unpaid Taxes: You must clear unpaid property taxes or dues. You can clear these by approaching the municipal authorities.
• Get Necessary Approvals: If there’s a problem during construction, apply for building approval. Get the necessary permissions to ensure the property complies with local laws.
• Application Submittal: After resolving all issues, apply to the local municipality office for conversion. It will cross-check everything. If all is okay, it will approve the conversion.

Risks of Buying B Khata Properties

B Khata properties sell for a bit less. But, they come with serious risks. A few of those are as follows:

1. Legal Problem: B Khata properties sometimes cause legal troubles. You would not be in a position to transfer ownership because others may raise the dispute.
2. Resale Trouble: Selling the property later may be tough. Most buyers want A Khata properties for peace of mind.
3. Lesser Loan Options: If banks won’t lend on B Khata properties, you must pay in full to buy the property.
4. Utilities may be a problem: B Khata properties may lack water, electricity, or sewage connections. This may cause you a lot of trouble.

Conclusion

A Khata and B Khata may differ in buying or selling a property. Khata properties have legal approval and offer various benefits. You can easily apply for loans, transfer ownership, and use basic utilities. For B Khata properties, there are legal issues; they are not eligible for loans or the use of utilities.

It is important to verify whether a property has an A Khata or B Khata before investing in it. If a property has a B Khata, be aware of the risks. Take steps to fix any legal issues. Seek a lawyer and conduct thorough research to ensure a safe investment.

Frequently Asked Questions