What is 11B Khata and How to Apply Home Loan for 11B Khata Properties

Rajesh

Buying property is one of the biggest financial decisions, and having the right land documentation is important for getting a home loan. In Karnataka, especially around Hosur, Anekal, Attibele and Bangalore Rural, one common document type is 11B Khata. Many buyers get confused about what it means and whether banks approve loans on it. Here is a simple explanation.

What is 11B Khata?

11B Khata is a property document issued by the Taluk / Panchayat office for properties located in rural or village limits.
It is mainly used for:

  • Property tax assessment

  • Recording owner's name in revenue records

  • Basic property identification in panchayat areas

Key Features of 11B Khata

  • It is not the same as A Khata (BBMP) or B Khata.

  • It is issued for Gram Panchayat limits, not corporation or municipality areas.

  • It shows current ownership, survey number, and tax details.

  • It is valid for construction and land sale only in village limits as per Panchayat rules.

Can You Get a Home Loan on 11B Khata?

Yes — many banks and NBFCs provide home loans, but subject to approvals.
Loan approval mainly depends on:

  • Whether the property is in Panchayat-approved layout

  • Whether the layout has DC Conversion / approval

  • Whether the building has Panchayat-approved building plan

  • Whether the documents (mother deed, sale deed, tax receipt) are clear

Banks/NBFCs Usually Funding 11B Khata Properties

  • Some private banks

  • Many NBFCs like housing finance companies

  • Co-operative banks (case-to-case basis)

Public sector banks may be strict depending on documentation.

Documents Required for Home Loan on 11B Khata

  1. 11B Khata certificate & extract

  2. DC Conversion order (if applicable)

  3. Panchayat-approved building plan

  4. Tax paid receipts

  5. Sale deed / mother deed

  6. Encumbrance certificate (EC)

  7. Layout approval copy

  8. Buyer’s KYC & income documents

How to Apply for a Home Loan on 11B Khata Property

Step 1: Get Document Verification

Approach a bank or NBFC and ask for a legal opinion check for your 11B Khata property.

Step 2: Submit Income & KYC Papers

Provide:

  • Aadhaar, PAN

  • Salary slips / bank statement

  • IT returns (if needed)

Step 3: Technical & Legal Inspection

The lender will inspect:

  • Plot boundaries

  • Building plan approval

  • Panchayat approvals

  • Property taxes

Step 4: Sanction of Loan

Once documents are clear, you receive a loan sanction letter with:

  • Loan amount

  • Tenure

  • EMI & interest rate

Step 5: Registration & Disbursement

After agreement and sale deed, the bank disburses the amount.

Advantages of 11B Khata Property Loans

  • Faster approval in NBFCs

  • Loans possible even in rural areas

  • Registration value is affordable

  • Ideal for first-time buyers around Hosur–Anekal belt

Conclusion

11B Khata is a valid revenue document in Panchayat limits, and many lenders do offer loans for such properties if the paperwork is clear. Before buying, always check layout approval, EC, conversion status, and get a legal opinion from a bank.

0 Comments