The Khata A vs Khata B question is the single most-Googled Bengaluru legal question in 2026, and the answer people find is usually five years out of date. Here is the 2026 version.
What Khata actually is
Khata is a BBMP property tax revenue record. It says the BBMP recognises this property, taxes it, and is willing to transact with it in a certain way. It's not a title deed. It doesn't replace the sale deed. But it dictates a lot of what you can and cannot do with the property downstream.
A Khata
- Property is fully compliant with BBMP's rules at the time of assessment.
- Bank loans available with standard terms.
- Sale + registration is clean.
- Trade license, building approvals can be sought against this property.
B Khata
- Property is assessed for tax but does not meet full BBMP compliance (typically layout approvals, DC conversion status).
- Bank loans are harder, terms are worse. Some banks refuse.
- Registration happens but downstream conversion to A is a bureaucratic process (not automatic).
- Redevelopment / trade license / major renovations become materially harder.
The A-to-B and B-to-A migration rules have shifted at least twice through the Akrama-Sakrama and BBMP amnesty cycles. Ask your advocate what the CURRENT window looks like — not what the internet said in 2019.
What we tell buyers in 2026
If the price gap between an A Khata and a B Khata unit in the same corridor is less than ~9%, take the A every single time. If the gap is 15%+, understand the B-to-A path (statutorily and cost-wise) before you make the compromise.