No e-Khata? Your Bengaluru Property Loan at Risk

Bengaluru's BBMP has made e-Khata mandatory for property transactions. Without it, you cannot sell, get a home loan, or legally transfer your property. Here's what every Bengaluru homeowner must know and do right now.

Here's what happened: BBMP has digitised property ownership records into e-Khata, replacing the old manual Khata system to reduce fraud and disputed titles across Bengaluru.. Banks and housing finance companies in Karnataka now require a valid e-Khata as a mandatory document before approving home loans or loan-against-property applications.. The Bhoo Guarantee scheme allows citizens to apply for and rectify e-Khata records online or through open house camps, resolving discrepancies in property ownership data..

What you should do: Visit bbmpeaasthi.karnataka.gov.in and search your property using your SAS application number or site address to check if your e-Khata is already generated.. If your e-Khata shows wrong owner name, site dimensions, or ward details, attend a BBMP open house camp near you — bring your sale deed, Encumbrance Certificate, and old Khata documents.. Before buying any Bengaluru property, always verify the seller's e-Khata status on the BBMP portal — a missing or disputed Khata can block your loan disbursement for months..

Even if your property has a physical Khata B (unapproved layout), you can still apply for e-Khata conversion after regularisation — but start the process before approaching any lender, as banks run their own Khata verification checks independently.