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Access Land Records Easily with Bhulekh Karnataka Your Complete Guide
Bhulekh Karnataka means the state's online land records, which the Department of Revenue runs as the Bhoomi system. The main record is the RTC, one page for each parcel of land.
- Portal: landrecords.karnataka.gov.in, with deed registration on a separate system called Kaveri
- RTC fields: 8, including holder, land class, area, crops and encumbrances
- Search path: district, taluk, hobli and village, then the survey number
- Cost: viewing an RTC online is free
- Area: 1 acre equals 40 guntas
Limit: the RTC records revenue facts and does not prove title
Match the RTC with the sale deed before you pay an advance. Bajaj Finance checks land records during legal and technical verification, so a matching RTC supports your application.
What is Bhulekh Karnataka?
Bhulekh Karnataka is the online land records system of the Karnataka Department of Revenue, and the state calls it Bhoomi. Bhulekh is the common word for land records, and other states use it in their own portal names. Bhoomi holds the Record of Rights, Tenancy and Crops for agricultural and rural land.
The portal address is landrecords.karnataka.gov.in. Deed registration runs on a separate system called Kaveri, at kaveri.karnataka.gov.in. Online mutation applications run on Nadakacheri, at nadakacheri.karnataka.gov.in.
What does an RTC show?
Bhulekh Karnataka gives you an RTC with 8 fields for each parcel of land. The survey number identifies the parcel, and a hissa number marks a sub-division of that survey number.
| Field | What it tells you |
|---|---|
| Survey number | The parcel's identity on the village map |
| Land holder's name | The person recorded as the holder |
| Land class | The use recorded for the land, such as agricultural |
| Area | The extent in acres and guntas |
| Tenancy details | Whether someone other than the holder cultivates the land |
| Water source | The irrigation source recorded |
| Crop details | The crop and the season |
| Encumbrances | Loans or restrictions entered against the land |
Area appears in acres and guntas. 1 acre equals 40 guntas, and 1 gunta equals 1,089 sq. ft.
How do I view an RTC online?
You can view an RTC free on Bhulekh Karnataka, the Bhoomi portal, in 5 steps. A hobli is a revenue circle that groups a set of villages, and you pick it before the village.
- Open landrecords.karnataka.gov.in on your phone or computer.
- Select the district, taluk, hobli and village, in that order.
- Enter the survey number, then the hissa number and the period if the portal asks for them.
- Select Fetch Details to open the record.
Use the print option to save the page as a PDF.
A certified copy carries a fee that the Department of Revenue sets. Confirm the amount on the portal before you pay. If you do not know the survey number, the guide on how to get a survey number shows where to find it.
Is the RTC proof that the seller owns the land?
No. An RTC from Bhulekh Karnataka is a revenue record that shows who holds the land in the Department of Revenue's books. It is not a title document.
Title rests on the registered sale deed and the chain of earlier deeds. The Encumbrance Certificate from Kaveri then shows registered transactions and mortgages on the property. Use the RTC to cross-check those papers, not to replace them.
A name on the RTC can lag behind a sale until the mutation entry is made. Mutation is the change of the holder's name in the record after a sale or inheritance. The live guide to Bhoomi RTC mutation status explains how to track it.
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How do the RTC, mutation record, khata and certificate differ?
Four records answer four different questions, and a buyer needs the ones that match the property.
| Record | What it records | Where you find it | Applies to |
|---|---|---|---|
| RTC | Holder, area, crops, encumbrances | Bhoomi portal | Agricultural and rural land |
| Mutation record | Change of holder after a sale or inheritance | Bhoomi portal, mutation tab | Land recorded in Bhoomi |
| Khata | Property tax record of a municipal body | Local municipal body | Urban sites and buildings |
| Encumbrance Certificate | Registered transactions and mortgages | Kaveri portal | Any registered property |
A buyer of a flat in a city asks for the khata and the registered deed, and does not need an RTC.
What should I check on an RTC before buying land?
Check 5 items on the RTC and compare each one with the sale deed. A mismatch in any item is a reason to pause the payment.
| Check | What you want to see |
|---|---|
| Holder's name | The seller's name, spelt as in the deed |
| Area | The same acres and guntas as the deed |
| Land class | The class that fits your plan, agricultural or converted |
| Tenancy details | No tenant entry, or legal advice if there is one |
| Encumbrances | No loan or restriction, or a clearance from the lender |
A tenancy entry can limit your right to possess the land. Take advice from a property lawyer before you commit.
A worked example: 100 guntas versus 98
Vikram Gowda, 41, lives in Mysuru and earns Rs. 1.4 lakh a month, with a CIBIL Score of 758. He plans to pay a Rs. 5 lakh advance on a farm plot, and the sale deed states 2 acres 20 guntas.
Formula used: Area in sq. ft. = (acres × 40 + guntas) × 1,089.
| Item | Sale deed | RTC | Gap |
|---|---|---|---|
| Area in acres and guntas | 2 acres 20 guntas | 2 acres 18 guntas | 2 guntas |
| Area in guntas | 100 guntas | 98 guntas | 2 guntas |
| Area in sq. ft. | 108,900 sq. ft. | 106,722 sq. ft. | 2,178 sq. ft. |
Vikram asks the taluk survey office to confirm the extent. He pays the advance only after the deed and the RTC show the same area.
Does the RTC matter for a home loan with Bajaj Finance?
Yes, when the property sits on rural land. Bajaj Finance checks land records such as the RTC from Bhulekh Karnataka, including the land class, during its legal and technical verification. A plot recorded as agricultural needs conversion to non-agricultural use before it can carry a home, as the guide to rural housing loans explains.
| Loan feature | Detail |
|---|---|
| Interest rate | From 7.50% p.a.*, subject to credit assessment |
| Loan amount | Up to Rs. 15 crore* |
| Tenure | Up to 32 years |
Approval timelines can extend where the RTC shows a pending mutation, an encumbrance or an area that differs from the deed, and minimum income thresholds can differ by city. Check your home loan eligibility once the RTC and the deed match.
Frequently Asked Questions
Using the portal
Property and loan questions
Is Bhulekh Karnataka the same as Bhoomi?
Yes. Bhulekh is the common word for land records, and Karnataka's land records system is named Bhoomi, so a guide that mentions Bhulekh Karnataka means the Bhoomi portal. You open it at landrecords.karnataka.gov.in. Kaveri is a different system that handles deed registration and Encumbrance Certificates, so do not look for your sale deed on the Bhoomi portal.
What is a hissa number?
A hissa number marks a sub-division of a survey number. For example, 45/2 means the second sub-division of survey number 45, and 45/3 can belong to a different owner. Quote both numbers in the sale agreement and in every search you run. A search with only the first number can show the wrong parcel, so check that the hissa on the RTC matches your deed before you pay.
What does an encumbrance entry on an RTC mean?
It means a loan or a restriction is recorded against the land, such as a crop loan from a bank. Ask the seller for a clearance letter from the lender before you pay. You should also check the Encumbrance Certificate on Kaveri, because it lists registered mortgages that an RTC can miss.
Do I need an RTC if I am buying a flat in a city?
No. An RTC covers agricultural and rural land. For a flat, you need the registered sale deed, the khata from the municipal body and an Encumbrance Certificate. Ask the seller for all three and compare the owner's name on each. The legal check on a flat follows the same cross-check idea.
Can I get a home loan on land that the RTC shows as agricultural?
Not until the land is converted. A plot recorded for farming needs conversion to non-agricultural use before it can carry a house. Bajaj Finance reviews the land class and the conversion order during verification, so keep both documents ready. Get the conversion order first, then apply, and bring the RTC and the sale deed together so the reviewer can match them.
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