How to download BBMP E-Khatha , fees , step by step procedure

BBMP E-Khata is an online property record management system introduced by the Bruhat Bengaluru Mahanagara Palike (BBMP) in Karnataka. It allows property owners to access, update, and manage their property records online. The system includes features like downloading draft e-Khata, uploading additional information for final e-Khata, and filing objections if necessary.

Approved applications may be downloaded online using the following procedure

• Open the BBMP E-Asthi website link - https://bbmpeaasthi.karnataka.gov.in/office/frmKhathaDownload.aspx
• Note the  property ID from the application which has to be input to download the E Khatha . Its usually the ePID which is a 10 digit number  

• As indicated in above image , on entering the ePID and clicking Search option , details of the property gets displayed. Property code , Ward number , Ward name , Property number gets displayed.
• At present , a fee of Rs.125 is charged for each download of E-khatha
• After reviewing the details , click on the the OK option which will redirect to payment gateway for online payment
• On successful payment , an option to print / download PDF copy of the E-khatha gets displayed.
• This file is password protected and the same 10 digit ePid number which was used as input earlier to be used as password
  

 

BBMP E-Khatha help desk contact numbers

The Bruhat Bengaluru Mahanagara Palike (BBMP) as part of its initiative of E-Khatha registration process for properties in Bengaluru , has opened up help desk to assist citizens on any clarifications needed on the E-Khatha application procedures.  Below are the help desk numbers for each BBMP which citizens may reach out .

 

Bommanahalli	9480683182 9480683712
Dasarahalli	9480683710
Mahadevapura	9480683718 9480683720
East Zone	9480683203
West Zone	9480683653 9480683204
South Zone	9480683638 9480683179
RR Nagara	9480683576
Yelahanka	9480683645 9480683516

Above are open from 10 AM to 6 PM on all working days.  Along with above , citizens may visit Bangalore One centers also for E-Khatha assistance

How to pay BMRDA property tax online , download tax paid receipts

Bangalore Metropolitan Region Development Authority (BMRDA) provides a convenient option to pay property tax online through its Bapuji Seva Kendra (BSK) website . In this article we share the simple procedure which may be followed to taxes for your BMRDA property within few minutes.

Keep below information handy before website login

• Every BMRDA property has a Khatha a document which is issued by BMRDA to the owner of the property . Earlier this document used to be a manual printed copy maintained in books which is now transformed online and popularly known as E-Khatha.  In this document a unique ID known as Property ID is allocated for every BMRDA property . As of now its a 18 digit number . This number is needed when paying tax online

Steps to pay BMRDA property tax online

• Open BSK website using link bsk.karnataka.gov.in
• Select the option to register / login , which displays below page . Enter the registered mobile number which usually is the one registered when creating e-khata . Select the language
  

•  Enter the One Time password received as SMS on registered mobile number
  
    

  • On successful login below dashboard gets displayed

   

  

  • Select the option "Pay Property Tax" 

  

  • On selecting the Pay Property Tax option , a webpage gets displayed to get your property details either by entering property ID or search based on District , Taluk , Gram panchayat and Village

   
  

  

  
  

  •  On entering or selecting the property , if any taxes are due to be paid , details will be displayed 

   
  

  • On selecting pay option , user will be redirected to the payment gateway page , on successful payment a receipt is generated which can be downloaded in printable format for future reference
  • Payment receipts can be downloaded anytime using the "Download Receipt" option 

   
  

  
   
   
   
  

Factors that help decide whether to Buy or Rent a house in Bengaluru

Bengaluru, also known as the Silicon Valley of India, is one of the most sought-after cities for living and working in India. The city offers a vibrant and cosmopolitan culture, a booming IT and start-up sector, a pleasant climate, and a plethora of educational and recreational opportunities. However, the city also faces some challenges, such as traffic congestion, pollution, high cost of living, and limited land availability.

One of the most important decisions that people face when moving to Bengaluru is whether to buy or rent a house. Both options have their own pros and cons, and the choice depends on various factors, such as budget, location, lifestyle, income, and future plans. In this article, we will discuss some of the factors that can help you decide when to choose a rented house instead of buying a house in Bengaluru.
 

Budget

Buying a house is an expensive affair. It requires a large amount of down payment, stamp duty, registration charges, maintenance costs, property taxes, and home loan EMIs. According to a recent report , the average price of a residential property in Bengaluru was ₹ 5,545 per sq ft in the first half of 2023. This means that buying a 1,000 sq ft apartment would cost around ₹ 55.45 lakh, excluding other expenses.

On the other hand, renting a house is relatively cheaper and involves lower initial costs. You only need to pay a security deposit (usually equivalent to 10 months' rent), monthly rent, and utility bills. According to the report , the average rent for a residential property in Bengaluru was ₹ 18 per sq ft per month in the first half of 2023. This means that renting a 1,000 sq ft apartment would cost around ₹ 18,000 per month, excluding other expenses.

Therefore, if you have a tight budget or do not want to invest a large amount of money in real estate, renting may be a better option for you.

Location

Job changes are more frequent at present. You may need to relocate to another city or country for better career opportunities or personal reasons. In such cases, owning a house can limit your mobility and flexibility. You may face difficulties in selling or renting out your house in a short span of time or at a good price. You may also have to bear the burden of paying EMIs even when you are not living in your house.

On the other hand, renting a house gives you more freedom and convenience to move to another place whenever you want. You just need to give a notice period (usually one or two months) to your landlord and vacate your house without any hassle. You can also choose a location that is closer to your workplace or preferred amenities and save time and money on commuting.

Therefore, if you value mobility and convenience over stability and security, renting may be a better option for you.

Asset Creation

The major selling point for purchasing a house is that it will help you build an asset. A house is not only a place to live but also an investment that can appreciate over time and generate income. You can use your house as collateral to avail loans or sell it at a profit when you need money. You can also claim tax benefits on your home loan interest and principal payments under Section 24 and Section 80C of the Income Tax Act.

On the other hand, renting a house does not create any asset for you. You are paying money to someone else for using their property and not gaining any ownership or equity. You cannot claim any tax benefits on your rent payments unless you are living in a rented house for business purposes under Section 10(13A) of the Income Tax Act.

Therefore, if you want to create an asset for yourself and your family and enjoy tax benefits on your home loan payments, buying may be a better option for you.

Income Generation

Rental yields in India are not high. Rental yield is the annual rent earned from a property divided by its market value. According to Magicbricks, the average rental yield in Bengaluru was 3% in 2023. This means that if you buy a property worth ₹ 1 crore in Bengaluru, you can expect to earn ₹ 3 lakh per year as rent from it.

On the other hand, home loan interest rates in India are relatively high. According to BankBazaar, the average home loan interest rate in India was 8% in 2023. This means that if you take a home loan of ₹ 1 crore for 20 years in India, you will have to pay ₹ 83.78 lakh as interest over the loan tenure.

Therefore, if you buy a house with a home loan and rent it out, you may end up paying more interest than earning rent. You may also have to deal with the hassles of finding and managing tenants, maintaining the property, and paying taxes and charges.

On the other hand, if you rent a house, you can save the money that you would otherwise spend on buying a house and invest it in other avenues that can generate higher returns. For example, you can invest in mutual funds, stocks, bonds, gold, or other assets that can offer higher returns than real estate.

Therefore, if you want to generate more income from your money and diversify your portfolio, renting may be a better option for you.

Flexibility

Buying a house is a long-term commitment that requires careful planning and research. You need to consider various factors, such as location, size, layout, amenities, quality, price, legalities, and future prospects of the property before making a purchase decision. You also need to be prepared for any contingencies or emergencies that may affect your ability to pay your home loan EMIs or maintain your property.

On the other hand, renting a house is a short-term arrangement that allows you to change your house according to your needs and preferences. You can choose a house that suits your budget, lifestyle, and taste without worrying about the long-term implications. You can also experiment with different types of houses, such as apartments, villas, independent houses, or co-living spaces. You can also upgrade or downgrade your house as per your changing requirements.

Therefore, if you want to have more flexibility and choice in your living space, renting may be a better option for you.

There is no definitive answer to whether renting or buying a house is better in Bengaluru. The decision depends on your personal and financial situation and goals. You need to weigh the pros and cons of both options and choose the one that suits you best. You can also use online calculators or consult experts to compare the costs and benefits of renting vs buying a house in Bengaluru.

Pros and cons of buying a BDA , BMRDA , Gramtana , Revenue property in Bengaluru

Bengaluru, the IT hub of India, is one of the most sought-after real estate destinations in the country, offering a mix of modern amenities, cultural diversity, pleasant climate and lucrative employment opportunities. Whether you are looking for a home to live in or an investment to grow your wealth, Bengaluru has something for everyone.

However, before you buy a property in Bengaluru, you need to be aware of the different authorities and khatas that govern the land use, development and taxation of properties in the city. These include:

- BDA (Bangalore Development Authority): BDA is the planning and development authority for Bengaluru city and its outskirts. It is responsible for creating layouts, approving building plans, allotting sites and providing infrastructure facilities for the planned development of the city.¹
- BMRDA (Bangalore Metropolitan Region Development Authority): BMRDA is the planning and coordination authority for the areas falling under Bangalore Metropolitan Region (BMR), which covers an area of 8,005 sq km around Bengaluru city. It is responsible for creating master plans, regulating land use, granting permissions and overseeing the development activities of various local planning authorities (LPAs) such as BIAAPA, BMICAPA etc. within BMR.²
- BBMP (Bruhat Bangalore Mahanagara Palike): BBMP is the municipal corporation for Bengaluru city and its surrounding areas. It is responsible for providing civic amenities, collecting property tax, maintaining roads, parks, lakes etc. and issuing khatas for properties within its jurisdiction.³
- Khata: Khata is an account or a record of a property in the property register maintained by BBMP. It contains the details of the property owner, location, size, usage, tax assessment etc. There are two types of khatas issued by BBMP: A khata and B khata.⁴
- A khata: A khata is a valid and legal khata issued by BBMP for properties that are in compliance with all the rules and regulations of BDA, BMRDA and BBMP. It means that the property has a sanctioned plan, has paid all the taxes and fees and has obtained all the necessary approvals and clearances from the concerned authorities.⁴
- B khata: B khata is an informal or provisional khata issued by BBMP for properties that are not in compliance with all the rules and regulations of BDA, BMRDA and BBMP. It means that the property does not have a sanctioned plan, has not paid all the taxes and fees or has not obtained all the necessary approvals and clearances from the concerned authorities.⁴
- Gramtana: Gramtana is a term used to refer to properties that are located within village limits or rural areas. These properties are governed by gram panchayats or village councils and do not come under the purview of BDA, BMRDA or BBMP. These properties have panchayat khatas or RTCs (Record of Rights, Tenancy and Crops) as their revenue records.⁵
- Revenue sites: Revenue sites are plots of land that are converted from agricultural to non-agricultural use by paying conversion fees to the revenue department. These plots are not approved by any planning authority such as BDA or BMRDA and do not have any layout plan or building plan. These plots are also known as DC converted sites or green sites.

Now that we have understood what these terms mean, let us look at some of the pros and cons of buying a property in Bengaluru under each of these authorities and khatas.

Pros and Cons of Buying a Property under BDA

Pros:

- Buying a property under BDA means that you are buying a property that is legally approved by the planning authority for Bengaluru city.
- You can get easy loans from banks and financial institutions for buying a property under BDA.
- You can get building plan approval, building license, trade license etc. from BBMP for your property under BDA.
- You can get water and electricity connections from BWSSB (Bangalore Water Supply and Sewerage Board) and BESCOM (Bangalore Electricity Supply Company) for your property under BDA.
- You can get A khata from BBMP for your property under BDA.
- You can resell your property under BDA without any hassle.

Cons:

- Buying a property under BDA can be expensive as the property rates are higher in BDA approved areas.
- You may have to pay higher property tax and maintenance charges for your property under BDA.
- You may have to face delays and corruption in getting approvals and clearances from BDA and BBMP for your property under BDA.
 

Pros and Cons of Buying a Property under BMRDA

Pros:

- Buying a property under BMRDA means that you are buying a property that is legally approved by the planning authority for Bangalore Metropolitan Region.
- You can get easy loans from banks and financial institutions for buying a property under BMRDA.
- You can get building plan approval, building license, trade license etc. from BBMP or the respective LPA for your property under BMRDA.
- You can get water and electricity connections from BWSSB and BESCOM or the respective LPA for your property under BMRDA.
- You can get A khata from BBMP or the respective LPA for your property under BMRDA.
- You can resell your property under BMRDA without any hassle.

Cons:

- Buying a property under BMRDA can be expensive as the property rates are higher in BMRDA approved areas.
- You may have to pay higher property tax and maintenance charges for your property under BMRDA.


Pros and Cons of Buying a Property under BBMP A khata

Pros:

- Buying a property under BBMP A khata means that you are buying a property that is legally valid and compliant with all the rules and regulations of BBMP.
- You can get easy loans from banks and financial institutions for buying a property under BBMP A khata.
- You can get building plan approval, building license, trade license etc. from BBMP for your property under BBMP A khata.
- You can get water and electricity connections from BWSSB and BESCOM for your property under BBMP A khata.
- You can resell your property under BBMP A khata without any hassle.

Cons:

- Buying a property under BBMP A khata can be expensive as the property rates are higher in BBMP A khata areas.
- You may have to pay higher property tax and maintenance charges for your property under BBMP A khata.

Pros and Cons of Buying a Property under BBMP B khata

Pros:

- Buying a property under BBMP B khata means that you are buying a property that is cheaper than the properties under BBMP A khata or BDA or BMRDA approved areas.
- You can get water and electricity connections from BWSSB and BESCOM for your property under BBMP B khata.

Cons:

- Buying a property under BBMP B khata means that you are buying a property that is illegal or semi-legal and not compliant with all the rules and regulations of BBMP.
- You cannot get loans from banks and financial institutions for buying a property under BBMP B khata.
- You cannot get building plan approval, building license, trade license etc. from BBMP for your property under BBMP B khata.
- You cannot resell your property under BBMP B khata without regularizing it with BBMP by paying penalty fees and taxes.
- You may face legal issues and disputes with regard to your property under BBMP B khata.
 

Pros and Cons of Buying a Property under Gramtana

Pros:

- Buying a property under Gramtana means that you are buying a property that is located in rural areas or village limits where the land prices are lower than the urban areas.
- You can get water and electricity connections from gram panchayats or village councils for your property under Gramtana.

Cons:

- Buying a property under Gramtana means that you are buying a property that is not approved by any planning authority such as BDA or BMRDA or BBMP.
- You cannot get loans from banks and financial institutions for buying a property under Gramtana.
- You cannot get building plan approval, building license, trade license etc. from any authority for your property under Gramtana.
- You cannot resell your property under Gramtana without converting it to non-agricultural use by paying conversion fees to the revenue department.


Pros and Cons of Buying a Property under Revenue Sites

Pros:

- Buying a property under Revenue Sites means that you are buying a plot of land that is converted from agricultural to non-agricultural use by paying conversion fees to the revenue department.
- You can get water and electricity connections from BWSSB and BESCOM or gram panchayats or village councils for your property under Revenue Sites.

Cons:

- Buying a property under Revenue Sites means that you are buying a plot of land that is not approved by any planning authority such as BDA or BMRDA or BBMP.
- You cannot get loans from banks and financial institutions for buying a property under Revenue Sites.
- You cannot get building plan approval, building license, trade license etc. from any authority for your property under Revenue Sites.
- You cannot resell your property under Revenue Sites without obtaining NOC (No Objection Certificate) from the revenue department and the concerned gram panchayat or village council.