When buying property in Bengaluru, few terms are as important as Khata. Whether you’re a first-time buyer or an experienced investor, understanding the difference between A-Khata and B-Khata is essential for making a safe and legally sound purchase. 

What Is A-Khata and B-Khata? 

A-Khata: 

An A-Khata property is fully compliant with the local governing authority — such as the BBMP, BMRDA, or respective panchayat. It confirms that all property taxes are paid, and that the property meets zoning and building regulations. Owners of A-Khata properties enjoy complete ownership rights and easy access to loans or approvals. 

B-Khata: 

A B-Khata property, on the other hand, is recorded by the municipality but may not have completed all regulatory requirements — for example, pending layout approvals, betterment charges, or deviations in building plans. While property taxes can still be paid, such properties face restrictions on obtaining loans, approvals, or resale. 

In short, A-Khata ensures full legal clarity and ownership confidence, while B-Khata indicates incomplete compliance. 

How the Conversion Works 

The Government of Karnataka has introduced simplified procedures — including online application systems — that allow eligible owners to convert B-Khata to A-Khata by paying dues and submitting proper documentation. 

Typical process includes: 

• Verify eligibility and ensure all property taxes are cleared. 
• Gather key documents, including title deed, sale deed, layout approval, tax receipts, and encumbrance certificate. 
• Apply online through the official local-authority portal and pay the required regularisation or betterment fees. 
• Verification and approval by municipal officers. 
• Issuance of the A-Khata certificate once the process is completed. 
• This process formalises the property’s status, enabling owners to obtain loans and enjoy full ownership rights. 

Why Conversion Matters  

• Owning an A-Khata property provides several long-term advantages: 
• Legal transparency and hassle-free transactions 
• Higher market value and resale potential 
• Easy eligibility for home and construction loans 
• Smooth processing for building approvals and registrations 
• For anyone planning to build, sell, or lease, having an A-Khata certificate adds significant credibility and peace of mind.