Legal Advisory
Khata and EC checker
A first check of what your khata (BBMP or Panchayat) and encumbrance certificate usually mean for a home loan and a safe purchase.
Answer the questions to see what your documents usually mean for a loan and a safe purchase.
A general first check based on common practice, not a legal opinion. Rules change and every lender has its own policy. A lawyer must read your actual documents before you pay.
Why these two records matter
A khata is the local body's record of a property for tax. It does not prove ownership, but it often decides whether a lender will fund the property and whether you can get plan approval.
An encumbrance certificate (EC) lists registered dealings on a property over a period, including mortgages. Pull your own from Kaveri Online rather than relying on a seller's copy.
Questions people ask
Does an e-Khata fix a B Khata?
No. An e-Khata is a digital record of the existing status. It does not regularise a property.
What is the difference between Form 15 and Form 16?
Form 15 lists registered transactions in the period you asked for. Form 16 says none were found.
Does a clean EC mean the title is clean?
No. An EC shows only registered dealings. A lawyer still has to read the title chain and approvals.
Talk to an Advisor
Have a lawyer read the real documents
This checker is a first look. A lawyer's written opinion is what protects you.
An Advisor calls you back within 4 working hours (Mon to Sat, 10 am to 7 pm IST).