Legal
A-Khata vs B-Khata: What It Changes for You
The short version
Khata is a municipal record of who is liable to pay property tax. A-khata means the property sits on the approved register — approvals, plan sanction and conversion are in order. B-khata means the local body records the property for tax purposes but the layout or the construction did not have full approval.
Why the difference matters
- Home loans. Most lenders finance A-khata freely; B-khata is refused or heavily conditioned.
- Resale. Your buyer pool shrinks and your price is discounted.
- Building plan sanction. Hard to obtain on a B-khata parcel.
- Regularisation. Depends on state schemes that open and close; never buy on the assumption one will reopen.
How to verify before you pay
- Ask for the khata extract (Form) and the khata certificate — not just tax receipts.
- Match the survey number, extent and owner name to the sale deed.
- Check the layout's approval: planning-authority sanctioned plan and released plan number.
- Pull a 15-year encumbrance certificate.
- For converted agricultural land, ask for the DC conversion order.
If you are considering a B-khata property
Price the risk properly: assume no loan, a slower resale and a discount at exit. That is often a 15–25% adjustment, not a small one.
Our position
UrbanEarth lists A-khata inventory where the classification applies, and states the record status on every listing. Ask the desk for the document pack before the price sheet.