What New Investors Must Know Before Buying Plots in Karnataka

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1. Understand the Land Category

  • Before investing in land, identify the type of land you're buying.
  • Types of Land include in Karnataka are residential plots and agricultural plots.
  • Converted land refers to agricultural land that has been legally converted for residential/commercial use.
  • Revenue sites: usually hazardous, without approvals.

What You MUST Check

  • Check that land use fits your purpose.
  • Ask for a DC Conversion certificate for non-agricultural use.
  • Avoid unconverted or illegally converted land.

2. Ownership and Title Details Verification

  • Essential Ownership Checks
  • Obtain the Mother Deed/Title Deed.
  • Verify chain of ownership for 20–30 years.
  • Confirm whether the property is jointly owned.
  • Obtain signatures from all owners/co-owners on the sale agreement.

Warning signs

  • The original title deed cannot be produced by the seller.
  • Disputes between family members.
  • Abrupt ownership changes just before the sale. 

3. Check Legal Clearances & Documents

  • Encumbrance certificate
  • Khata Certificate / Khata Extract 
  • Tax Receipts
  • Sale Agreement draft 
  • Verify Layout Approvals
  • Ensure layout is approved by:
  • BDA: Bangalore Development Authority
  • BBMP / Municipal Corporation
  • Gram Panchayat with proper document

Avoid

Unapproved layouts, plots without official survey numbers and plots based only on notarised documents.

4. Check Encumbrances & Liabilities

What to Check

  • The outstanding bank loans on the land.
  • Cases filed in the courts or pending disputes.
  • Legal claims by relatives or tenants.
  • How to Check
  • Obtain the EC from the Sub-Registrar Office.
  • Check online on the Karnataka land records portal.

5. Understand the Location & Infrastructure

Site-Level Checks

  • Ensure the plot has legal road access.
  • Match plot boundaries with survey sketch.
  • Ensure road width as promised.
  • Look for drainage, sewage and electric poles.
  • Locality Factors
  • Close to schools, markets, and hospitals.
  • Water availability: Groundwater levels vary in Karnataka.
  • Distance from highways and growth zones.
  • Avoid Plots Near
  • Lakes or lake buffer zone (highly protected).
  • Forest areas or government lands.
  • High-tension electrical lines.

6. Confirm Market Value & Pricing

  • Compare with the prices of surrounding properties.
  • Check the government guidance value or stamp duty value.
  • Understand the future development plans for the area.

Be Cautious Of 

  • Very low-cost plots - often illegal.
  • Pressure sales (“book today or price will increase”).

7. Registration & After-Purchase Formalities

  • Get the sale deed registered at the Sub-Registrar's office.
  • Pay the stamp duty and registration fees correctly.
  • Apply for a Khata transfer to your name.
  • Start paying property tax after registration.
  • Keep Copies Of
  • Registered sale deed
  • EC after registration
  • Payment 
  • All previous owner documents

8. Common Mistakes First-Time Investors Make

  • Purchasing plots based on brochures without verifying the approvals.
  • Not checking on EC and Khata.
  • Buying revenue sites based on the expectation that they will "get approval later."
  • Paying a token/advance prior to document verification. Not physically visiting the plot multiple times.


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