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Could you briefly explain me about the difference between the Khata Certificate and Khata Extract and the  importance of Encumbrance Certificate?

- by K.S. Sheela Prasad, Gangenahalli

Katha Certificate is a certificate issued by the Municipal Office confirming that the Katha (account) of a particular property stands in the name of particular person/s as per their records. Katha Extract is the extract from the Tax Assessment register maintened at Municipal Office giving complete details of the property like area of the site, building, property tax, levies, cess and total tax payable, the name of the previous owner, and present owner, and present owner. 

Encumbrance certificate is one of the documents which would throw some light on the valid and marketable title of the vendor. Encumbrance certificates are issued by sub-registrar offices for a specific period as required by the applicant. They contain details of the property like survey no, house no, boundaries, and encumbrances like sale, gift, mortgage etc., if any created over  the property under a written document which is registered at the concerned Sub-registrar’s office. However, the Encumbrance Certificartes do not reflect the charges/encumbarances created  which are not registered.


These are all the legal questions answered by Advocate S.Selvakumar in various magazines, in various occasion including realestate reporter monthly.


Q:- I am purchasing a site from CMC limits and it is also a co-operative society site. The query is that the bank where I had applied for loan told me that this site will come under green belt and they cannot fund for this site. My query is for this site, the Katha certificate is there, recent tax paid receipts are there, encumbrance is there, GPA is there and almost the documents are all correct and one more, people have constructed houses next to this layout, and there is BDA Layout coming next to 0.5 km from this site and there are roads, lights, water, and there is no problem at all. I do not know why the bank is telling that this site will come under green belt. Please furnish all the details as to how this comes under green belt. I am speaking about the Karmikara Raitara Sangha and Dwarakanagar Welfare Association, which is located in Channasandra near Uttarahalli.

Q:- How safe is buying DC – Converted site in and around BDA Layouts?

Q:- I have purchased a site measuring 30’ X 40’ in a private layout formed on a converted land. The layout has roads, drainage, water and power facilities and is well developed. The layout is situated at Parapana Agrahara. Recently, BDA has notified this survey no. for acquisition for formation of Hi-tech city.  The preliminary notification is released recently. Please advise how to proceed?

Q:- I have purchased a land on Kanakapura road from one of my friends. On verifying the documents I came to know that the said land was originally allotted to the member of a Schedule Caste from the Government of Karnataka. My friend from whom I have purchased the land had purchased it from the said member of Schedule Caste 10 years back. I learnt there are some restrictions on sale of such property. Please inform whether I derive good, valid title to the land?