Karnataka Land Guarantee 2 Percent B-Khata 100-Day Window: Bengaluru's 23 Lakh Property Regularisation Map for May 2026

On 13 May 2026, Karnataka Deputy CM DK Shivakumar announced from Bengaluru that the state would regularise 23 lakh properties in the city under the Land Guarantee scheme. Three days later, on 16 May 2026, the My Account My Right campaign launched across 50 locations with Saturday-only camps running for roughly 3 months. By the end of week one, 11,000 applications had been received and 7,000 disposed. The B-Khata to A-Khata conversion fee was cut from 5 percent to 2 percent for the 100-day window. For Bengaluru buyers and sellers sitting on B-Khata properties in BTM Layout, Bommanahalli, Begur, Hosa Road and Sarjapur outer reach, the math has changed materially.

The short answer. Karnataka Dy CM DK Shivakumar announced on 13 May 2026 that the state will regularise 23 lakh Bengaluru properties under the Land Guarantee scheme. My Account My Right campaign began 16 May 2026 at 50 locations. B-Khata to A-Khata conversion fee reduced to 2 percent of guidance value for 100 days. Week one received 11,000 applications, disposed 7,000. The 100-day window closes late August 2026. On a Rs 1 crore property, the conversion saves Rs 3 lakh against the 5 percent baseline.

What is the Land Guarantee scheme

The Land Guarantee scheme is a Karnataka government initiative under Section 95 of the Karnataka Land Revenue Act 1964 and Section 45B of the Karnataka Stamp Act 1957. It is designed to bring un-regularised B-Khata properties into the formal A-Khata fold within a 100-day window. The scheme cuts the B-Khata to A-Khata conversion fee from 5 percent to 2 percent of the current guidance value, processes applications via the BBMP-GBA digital portal, and uses Aadhaar eKYC for owner verification. The combined campaign label is My Account My Right (Nanna Khata, Nanna Hakku in Kannada).

Which Bengaluru properties qualify in May 2026

Four eligibility conditions apply. First, a valid B-Khata authenticated on the BBMP-GBA portal. Second, an approved layout (BMRDA, BIAPPA, BBMP, or BDA). Third, property tax dues cleared for the last 3 years. Fourth, minimum road access of 9 metres at the plot frontage. Properties on unapproved layouts, properties within panchayat (not BBMP-GBA) limits, properties with structural violations, and properties with active demolition or violation notices do not qualify. The 7 lakh B-Khata properties in the My Account My Right pipeline are a subset of the broader 23 lakh regularisation universe.

What is the exact 100-day deadline and process

The 100-day window opened on 13 May 2026 and closes approximately 21-23 August 2026. Process steps: First, authenticate the existing B-Khata on the BBMP-GBA portal at greaterbengaluru.in. Second, complete Aadhaar eKYC. Third, submit Form A application with the required documents. Fourth, pay the 2 percent conversion fee online. Fifth, receive the e-Khata certificate within 7 to 21 days. The week-one disposal rate (7,000 of 11,000 applications) suggests roughly 60 to 65 percent same-week processing.

How will this affect resale liquidity in BTM, Bommanahalli, Begur

What documents must the owner submit

Six documents are mandatory. First, Aadhaar of the current owner (for eKYC). Second, the current B-Khata extract. Third, the latest 3 years of property tax receipts. Fourth, the sale deed (registered). Fifth, the encumbrance certificate covering the last 13 years from the Kaveri portal. Sixth, the sanctioned layout plan or BMRDA/BIAPPA/BBMP approval document. Form A is filed on the BBMP-GBA portal. Aadhaar eKYC verifies the owner's identity. Application reference numbers are issued immediately after submission.

Does this convert all B-Khata or only a subset

Only a subset. The scheme covers B-Khata properties on approved layouts with cleared tax dues and 9+ metre road access. Properties with structural violations cannot be regularised under this scheme. Properties on un-approved layouts must first regularise the layout. Properties within panchayat limits (Sarjapur outer reach beyond GBA boundary) are not covered. Of the 7 lakh B-Khata properties in the My Account My Right pipeline, realistic conversion potential is 4 to 5 lakh within the 100-day window.

Should a buyer wait for the seller to convert before booking

Yes, structure the transaction so the conversion completes before sale deed registration. Three options. First, conditional sale where the buyer funds the 2 percent conversion fee but registration happens post-conversion. Second, hold-back of 5 percent of sale consideration until A-Khata is issued. Third, sale deed registered with explicit conversion-pending clause and buyer's right to rescind if conversion fails. For B-Khata properties picked up during the 100-day window, structure protection is essential.

Buyer checklist for the Land Guarantee window in 2026

1. Verify Khata status on BBMP-GBA portal at greaterbengaluru.in
2. Confirm the property lies within BBMP-GBA limits, not panchayat
3. Verify the layout has BMRDA, BIAPPA, BBMP, or BDA approval on file
4. Check road access width minimum 9 metres at the plot frontage
5. Pull the last 3 years of property tax receipts and verify continuity
6. Confirm no pending demolition or violation notices on the property
7. Structure the sale with conversion-pending protection clause

For complementary regulatory context, see our coverage of the Bhu Guarantee 2 percent B-Khata deadline math, the Greater Bengaluru Authority 5 corporations, and the original Land Guarantee resale liquidity piece.

Frequently asked questions

Will banks lend on freshly converted A-Khata properties?

Most major banks (SBI, HDFC, ICICI, Axis) treat newly converted A-Khata properties at par with established A-Khata for home loan purposes. Expect LTV of 80 to 90 percent at standard interest rates. The bank typically requires the e-Khata certificate issued post-conversion. Apply for the home loan after the e-Khata is generated, which takes 7 to 21 days after BBMP/GBA approves the conversion application.

How much resale premium does A-Khata add over B-Khata?

A-Khata conversion typically adds 8 to 15 percent to the achievable resale price above an un-converted B-Khata baseline. For a Rs 1 crore B-Khata property, conversion to A-Khata under the 2 percent fee window costs Rs 2 lakh and lifts achievable price by Rs 8 to 15 lakh. The net gain after conversion fee is Rs 6 to 13 lakh, plus the buyer pool expands to bank-financed buyers.

What if my building violates setback or FAR rules?

Properties with structural violations (FAR breach, setback violation, encroachment on tank-bed or storm-drain land) cannot be regularised under the Land Guarantee scheme. The scheme only addresses the title irregularity (B-Khata to A-Khata), not the structural compliance issue. Such properties remain in B-Khata status and may need separate compounding or demolition action.

Can a buyer initiate the B-Khata conversion before purchase?

Yes, buyers can initiate or finance the B-Khata to A-Khata conversion before completing the sale. The recommended structure is conditional sale where the seller initiates the conversion using the 2 percent fee window with funds supplied by the buyer. Sale deed registration occurs only after the A-Khata is issued. This protects the buyer's home loan eligibility and ensures the property crosses to A-Khata before transfer.

Last updated 28 May 2026. By the PropNewz Team.