Do I need eKhata to remove home loan lien on property in sub-registrar office? Why ekhata is important

ekhata is mandatory to remove home loan lien on property in sub-registrar office. Let me share the real example of using ekhata for home loan lien removal and its importance

In the year 2015, one of my clients Mr. Apurva borrowed Rs. 32 lakhs from State Bank of India (SBI) to finance his property purchase in Bangalore

In Sep 2024, he repaid the home loan and collected the Reconveyance Deed from SBI, Refer to the below Reconveyance Deed

To remove the home loan lien, the SBI staff advised Mr.Apurva to register the above-mentioned reconveyance deed in sub-registrar office. Consequently, Mr. Apurva took the above Reconveyance Deed to Shivajinagar sub-registrar office.

The staff in the Shivajinagar sub-registrar office advised Mr. Apurva to submit the reconveyance deed application online on Kaveri Online Services website. Consequently, Mr. Apurva logged into Kaveri Online Services and started filling out the Reconveyance deed application.

In the Reconveyance deed application, Mr. Apurva was stuck at e-PID, which we highlighted in the below image

Mr.Apurva had no idea about e-PID and he started using different modulation of numbers in e-PID, including property tax number, SAS base application numbers, assessment number, survey number, and registration numbers but none of these numbers worked in e-PID and he was not able to move forward.

He started exploring in internet and he discovered that he need ekhata to locate ePID. He logged into e-Aasthi website and applied for ekhata.

We need the following to apply for ekhata:

• 10-digit Property tax application number
• Deed Registration number
• Aadhaar Number
• Mobile Number
• Property Geolocation
• Building photo
• Electricity customer ID number
• Encumbrance Certificate number

Mr. Apurva submitted the ekhata application on 11th Nov 2024, we highlighted the date in below acknowledgment

On 2nd Dec 2024, Mr. Apurva received the below SMS from BBMP

The above SMS means that our ekhata is ready and we need to download from e-Aasthi website. Mr.Apurva logged into e-Aasthi website and downloaded the below ekhata

We highlighted the 10-digit e-PID number in the above ekhata.

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We entered this 10-digit e-PID number in our reconveyance Deed application. Refer to the highlight in below image

Clicked on Search button and our property data is displayed including name, address, measurement, Survey Number. Refer to the below image

The importance of ekhata is that once we type our ePID, our property data integrates with our application. Such integration systems prevent fraud and misuse in property transactions.

Further, we submitted our application and registered the Reconveyance Deed in Shivajinagar sub-registrar office. Below is the image after registration

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NOTE:

• If you refer to our above acknowledgment, we submitted the application on 11th Nov 2024 and our ekhata was ready on 2nd Dec 2024, which means, BBMP took almost 20 days to approve the application. I haven’t visited the BBMP or telecalled BBMP staff to expedite the application. I just submitted my application online and downloaded ekhata online. Absolutely no follow-up is required
• If you want assistance filling out the ekhata application, visit the nearest Bangalore-one center. They assist in filling out the application at a nominal fee of around Rs. 250. Don’t visit BBMP to fill out the application or expedite the application because they don’t encourage that

For example:

• If you visit the BBMP to fill out the application, they will redirect you to Bangalore-one center
• For one of my other clients, we filled out the application online and I was expecting the ekhata in 1–2 days but ekhata was not ready even after a week hence I took the printout of acknowledgment and walked into BBMP to expedite the application. BBMP was not bothered to look at the acknowledgment and they don’t collect any documents offline to process or expedite the application.

My suggestion is to submit an application online and wait a few days to download the ekhata online. Don’t waste your time visiting the BBMP unless there is a critical issue with your application.

For consultation, please  Whatsapp to +91-97424-79020

Thank you for reading…