How to Navigate Bhoomi Karnataka Land Records Online
The Bhoomi Karnataka Land Records is an innovative initiative by the Government of Karnataka to digitize land records in the state and make them available for public access. The platform aims to provide transparency and efficiency in the process of land-related transactions, which is essential in promoting economic development in the state.
The digitization of land records has made it possible for individuals and institutions to access land-related information online, instead of relying on physical records that made the process lengthy and cumbersome. The Bhoomi RTC platform holds data on land ownership, land measurements, disputes, and much more.
In this article, we will walk you through the steps on how to navigate the Bhoomi Karnataka Land Records platform. We will also share some essential information regarding accessing the platform for various purposes such as availing home loans, top-up loans, balance transfer, etc.
Before we proceed, it is essential to know that the Bhoomi Karnataka Land Records platform consists of several categories such as Record of Rights, Tenancy, and Crops (RTC), Mutation Extract, and Dispute Cases. Each category provides a specific function that serves different needs of the users.
Accessing Bhoomi Karnataka Land Records for Home Loan
If you want to avail of a home loan for a property in Karnataka, you need to provide the relevant property documents to the lending institution. These documents include the property title deed, sale deed, and encumbrance certificate (EC). The title deed proves the ownership of the property while the sale deed indicates that the property was sold to the current owner. The EC, on the other hand, shows any encumbrances or legal disputes on the property.
To access the property documents needed for a home loan, you can navigate the “RTC” category on the Bhoomi Karnataka Land Records platform. The RTC category provides information on land ownership, land measurements, and crops grown on the land. You can also use this category to obtain a digitally signed copy of the RTC.
To access an RTC on the Bhoomi Karnataka Land Records platform, follow the steps below:
1. Go to the official website of the Bhoomi Karnataka Land Records platform. (http://landrecords.karnataka.gov.in/service33)
2. Click on the “RTC” category.
3. Select the district, taluk, and village where the property is located.
4. Enter the survey number or the unique property identification number (PFN) of the property.
5. Enter the captcha code and click on “Fetch Details.”
6. You will see the details of the property, including the landowner’s name, survey number, the extent of the land, and crops grown on the land.
7. You can download a digitally signed copy of the RTC by clicking on “Download RTC.”
Accessing Bhoomi Karnataka Land Records for Top-Up Loan
A top-up loan is an additional loan amount taken on top of the existing home loan. It is usually offered by lending institutions to existing home loan borrowers who have a good repayment track record. The top-up loan can be used for various purposes such as home renovation, education, or medical expenses.
To access Bhoomi Karnataka Land Records for a top-up loan, you need to provide the existing property documents and the top-up loan application to the lending institution. The lending institution will verify the property documents, and the top-up loan’s approval largely depends on the value of the property.
To access the property documents needed for a top-up loan, you can navigate the “Mutation Extract” category on the Bhoomi Karnataka Land Records platform. The Mutation Extract category provides details of any changes made in the land records such as the transfer of ownership, inheritance, and partition of the property.
To access a Mutation Extract on the Bhoomi Karnataka Land Records platform, follow the steps below:
1. Go to the official website of the Bhoomi Karnataka Land Records platform. (http://landrecords.karnataka.gov.in/service33)
2. Click on the “Mutation Extract” category.
3. Select the district, taluk, and village where the property is located.
4. Enter the survey number or the unique property identification number (PFN) of the property.
5. Enter the captcha code and click on “Fetch Details.”
6. You will see the details of the property, including any changes made in the land records.
7. You can download a copy of the Mutation Extract by clicking on “Download.”
Accessing Bhoomi Karnataka Land Records for Home Loan Balance Transfer
A home loan balance transfer is the process of transferring the existing home loan from one lending institution to another to take advantage of lower interest rates. The balance transfer can save you a considerable amount of money on the home loan repayment.
To access Bhoomi Karnataka Land Records for a home loan balance transfer, you need to provide the existing property documents, NOC from the current lending institution, and the home loan balance transfer application to the new lending institution. The new lending institution will verify the property documents and the NOC before processing the home loan balance transfer.
To access the NOC from the current lending institution, you can navigate the “Dispute Cases” category on the Bhoomi Karnataka Land Records platform. The Dispute Cases category provides information on any pending disputes on the property such as legal cases and unpaid taxes.
To access a Dispute Case on the Bhoomi Karnataka Land Records platform, follow the steps below:
1. Go to the official website of the Bhoomi Karnataka Land Records platform. (http://landrecords.karnataka.gov.in/service33)
2. Click on the “Dispute Cases” category.
3. Select the district, taluk, and village where the property is located.
4. Enter the survey number or the unique property identification number (PFN) of the property.
5. Enter the captcha code and click on “Fetch Details.”
6. You will see the details of any pending disputes on the property.
7. You can download a copy of the Dispute Case by clicking on “Download.”
Conclusion:
Bhoomi Karnataka Land Records is a game-changer that has streamlined the process of accessing land-related information and land transactions. The platform is user-friendly, and all the categories are well organized, making it easier to navigate and find the required information. People in Karnataka can access Bhoomi Karnataka Land Records for various purposes such as availing home loans, top-up loans, balance transfer, and much more. The platform has made the process of accessing property documents and legal records transparent and efficient, leading to economic development in the state.
