What is 11B khata and how to apply home loan for 11B khata?

Rajesh

 

✅ What is 11B Khata?

11B Khata is a property register extract issued by Gram Panchayat for properties located in village limits (rural areas).
It is not the same as A-Khata or B-Khata issued by BBMP.

✔️ Where 11B Khata is used?

  • For properties under Panchayat limits

  • Mostly applicable in Hosur surroundings, Attibele, Anekal, Sarjapur rural, Bagalur, Denkanikottai, etc.

  • Used for:

    • Paying property tax

    • Basic proof of ownership

    • Electricity / Water connection

    • Patta / Chitta equivalent in some Tamil Nadu border areas

❗ Important:

11B Khata does NOT confirm:

  • Clear title

  • Legal conversion

  • Approved layout

Banks always check these before loan approval.

🏦 Can You Get a Home Loan for 11B Khata Property?

YES, but depends on:
✔ Layout approval (DTCP / Panchayat approval)
✔ Land conversion
✔ Title deed clarity
✔ Proper legal opinion

👉 Banks that generally consider 11B Khata (case-to-case):

📝 How to Apply for a Home Loan for 11B Khata

🔹 Step 1: Collect Required Property Documents

Banks will ask for:

  • Sale deed

  • Mother deed (past 30 years documents)

  • 11B Khata extract

  • Tax paid receipts

  • Encumbrance Certificate (EC – Form 15/16)

  • Layout approval copy (if available)

  • Conversion order (if available)

  • NOC from Panchayat

  • Building plan approval (if constructing)

🔹 Step 2: Apply for Legal Opinion

The bank panel advocate will check:

  • Chain of documents

  • Land classification

  • Approvals

  • Ownership

  • EC continuity

If legal opinion is “Positive”, bank moves to valuation.

🔹 Step 3: Bank Valuation

Bank valuer verifies:

  • Location

  • Boundaries

  • Market value

  • Plot vs construction area

  • Panchayat approvals

If valuation matches your requirement, loan moves to sanction.

🔹 Step 4: Income & KYC Verification

Submit:

  • Aadhaar, PAN

  • 6-month bank statement

  • Salary slips / ITR

  • Employment proof

  • Co-applicant docs (optional)

🔹 Step 5: Loan Sanction & Registration

After verification:

  • Bank issues Sanction Letter

  • You complete sale agreement / registration

  • Bank disburses loan

📌 When Banks Reject 11B Khata Home Loans

Banks will reject if:
❌ Unapproved layout
❌ Missing mother deed
❌ No EC continuity
❌ Agricultural land without conversion
❌ Disputed property
❌ Panchayat sites without proper sketch & boundaries


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