E Khata is simply the digitised version of your property’s municipal record (Khata) on the BBMP/E-Aasthi portal, making ownership and tax compliance easy to verify online. It doesn’t change the property’s legal status by itself; an E Khata can be tied to either an A Khata or a B Khata underlying title.
How to Get an E Khata Home Loan Bangalore?
If the underlying property is A Khata / compliant:
Big banks (like HDFC, SBI, ICICI) will finance it normally because digital records confirm documentation, taxes, and titles.
Approval timelines are faster because title vetting is straightforward.
Standard loan-to-value ratios and interest rates apply.
The loan doesn’t become easy just because you have an E Khata, you still face the same legal collateral risk. Banks see the actual title type first.
Traditional banks generally avoid providing home loans on B Khata properties because they’re considered irregular or non-compliant.
Some NBFCs and private lenders do finance B Khata, but expect: Much lower loan-to-value (often 50 to 60% or less), Higher interest rates (often 9.5%+ p.a. or more), Stronger income and credit requirements, Much longer paperwork and legal scrutiny
Even if you secure an E Khata for a B Khata property, it doesn’t automatically fix the legal issues banks worry about; the E Khata just proves whatever title exists is recorded digitally.
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How Easy is it to Get an E Khata Home Loan Bangalore Compared to B Khata?
Hanu23
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2026-01-29T18:51:48+00:00 2026-01-29T18:51:52+00:00Comment
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