Karnataka ‘Bhoo Guarantee’ Scheme

The Karnataka government has introduced a major property reform initiative called the ‘Bhoo Guarantee’ Scheme, aimed at simplifying land records and helping lakhs of property owners in Bengaluru. This move is expected to bring transparency, reduce corruption, and make property ownership legally stronger—especially for those holding B-Khata properties.

What is the Bhoo Guarantee Scheme?

The Bhoo Guarantee Scheme is a large-scale digitization and regularization program launched by the Karnataka government to modernize property records in Bengaluru.

Under this initiative:

• Around 23 lakh properties will receive digitized ownership records
• Property details will be GPS-mapped and Aadhaar-linked
• Citizens will get verified documents both physically and online
• The system aims to eliminate duplicate and manipulated records

The scheme is being promoted with the slogan:
“Nanna Khata, Nanna Hakku” (My Khata, My Right)

Major Benefit: B-Khata to A-Khata Conversion at Lower Cost

One of the biggest advantages of the scheme is the one-time settlement window for B-Khata property owners.

Key Highlights:

• Conversion fee reduced from 5% → 2% of guidance value
• Valid only for applications submitted within 100 days
• Example:
  • Property value: ₹1 crore
  • Old fee: ₹5 lakh
  • New fee: ₹2 lakh
  • Savings: ₹3 lakh

This is a significant relief for nearly 7 lakh B-Khata property owners in Bengaluru.

Why This Matters for Property Owners

Many B-Khata property holders have faced issues such as:

• Difficulty in getting bank loans
• Problems in property resale
• Lack of legal recognition
• Delays in utility connections

With conversion to A-Khata, property owners can:

• Gain full legal ownership status
• Easily sell or transfer property
• Access home loans
• Get water, electricity, and civic services

Special Camps & Application Process

To make the process easier, the government will organize:

• Weekly camps (every Saturday)
• Conducted across multiple locations in each constituency
• Duration: 3 months

At the camps:

• Document verification
• GPS mapping of property
• On-site inspection
• Application processing

After approval, applicants will get 6 months to pay the required fee.

Relaxation in Building Violations

The government has also relaxed certain building rules:

• Earlier allowed deviation: 5%
• Now increased to: 15%

This will help smaller property owners regularize their homes and avoid legal complications.

BDA Settlement Relief

For properties under the Bengaluru Development Authority (BDA), charges have been reduced:

• 10% → 5%
• 25% → 12.5%
• 40% → 20%
• 50% → 25%

This revised structure is also part of a one-time settlement scheme.

Digitization & Anti-Corruption Measures

The government has taken several steps to prevent fraud:

• Over 7,000 property files digitized and scanned
• Linking records with:
  • Aadhaar details
  • Owner photographs
  • Site images
• GPS-based mapping for accuracy

This ensures:

• No tampering of records
• Reduced middlemen involvement
• Transparent system with minimal corruption

Impact on Bengaluru Infrastructure

The scheme is also connected to broader urban development plans, including:

• Tunnel roads
• Elevated corridors
• Traffic decongestion projects

These developments require land acquisition, and having clear property records will help in:

• Faster approvals
• Fair compensation
• Smooth execution of projects

The Bhoo Guarantee Scheme is one of the most impactful property reforms in Karnataka, especially for Bengaluru residents. By reducing conversion costs, simplifying documentation, and digitizing records, the government is addressing long-standing issues in property ownership.

For B-Khata holders, this is a limited-time opportunity to regularize properties at a significantly lower cost and gain full legal benefits.