1.HOME LOAN- A home loan is a type of loan where the house/home is used as a collateral to issue the amount. Generally the amount can be used for Home Repairs, New Home Construction, Interior works, Demolition works. There are several criteria’s based on every financial institute grants the loan amount; but two basic criteria’s include : the property value, the applicant’s credit and debit history.

2.CONSTRUCTION LOAN- A construction loan is acquired for assisting one’s financial needs either before the start of a construction or during the construction or at the near to end completion of the construction. Approved plan, proper design standards and all sectional views and elevations are the technical sheets searched for during the process of approving such type of loan secondarily, while the property value, construction cost and the applicant’s credit and debit history being the primary criteria’s looked upon.


3.MORTGAGE LOAN- A mortgage loan, also referred to as a mortgage, is used by purchasers of real property to raise funds to buy real estate; by existing property owners to raise funds for any purpose while putting a lien on the property being mortgaged. In this case the loan amount is solely decided upon the location and type of construction to be mortgaged.

4.A KHATA LOAN- The A Khata came into being to streamline property tax collection by the local authorities. The A Khata denotes a document that certifies that the property owner has duly paid relevant property taxes to the BBMP and is in ownership of a legal property. With an A Khata in hand, property owners can apply for trade licenses, building licenses or avail loans on the property. Your property is effectively legal if you have the A Khata documents, which will be required when you go for any other financial transaction related to your property in Bangalore.


5.B KHATA LOAN- The B Khata is a separate register maintained by the BBMP that lists the illegal properties (as per Karnataka High Court order in December 2014) that have ownership in the city of Bangalore, even when the civic charges for the property have been paid by the owner. This register enables the BBMP to collect taxes from buildings constructed illegally, which include properties in violations of bylaws, constructions in revenue land or unauthorized layouts, or properties without completion or issuance certificates. The B Khata properties can be upgraded to A Khata properties by fulfilling a few criteria such as payment of all property taxes till date, DC converted property and payment of ‘Betterment Charges’ as levied by the BBMP.

6.PURCHASE LOAN- A purchase loan is issued for applicant’s seeking funds for either of the following cases: a site/plot purchase, a flat purchase, an individual home/ apartment/ villa/ condominium purchase. Generally such type of loans require prior finalization of the requisite.


7.PANCHAYATI KHATA LOAN- NO CONTENT AVAILABLE.


8.THE CONCEPT OF A-KHATA & B-KHATA- A Khata and B Khata property taxes are levied on the residents of Bangalore and fall under the jurisdiction of the Bruhat Bengaluru Mahanagara Palike (BBMP), which is Bangalore’s municipal corporation. The A Khata and B Khata are nothing but documents certifying the ownership of a property via the taxes paid by the owner to the BBMP. ‘Khata’ means accounts, and A Khata and B Khata denote the two types of property accounts kept by the BBMP. The Khata concept came into being after the BBMP was formed in 2007 to simplify the collection of property taxes from the residents of Bangalore. Before 2007, the collection of property taxes was a big hassle for the authorities as there were 3 different bodies that collected and had a stake in collection of taxes. To reform the process of tax collection and reduce redundancy, the concept of ‘Khata’ was introduced by the BBMP. The first register, called A Khata listed the fully legal properties in Bangalore, while a separate register called b Register was maintained by the BBMP listing the illegal/semi legal properties in the city. This came to be known as B Khata by authorities.
The major differences between A Khata and B Khata Properties are as follows:
 A Khata properties are legal in the eyes of the law while B Khata properties are effectively illegal even if the ownership documents for the property are in order.
 A Khata property holders can easily resell or transfer ownership of their property while this is not possible for people holding only the B Khata documents.
 A Khata properties can have trade licenses while B Khata property holders are barred from having trade licenses.
 A Khata properties have construction permits and can expand the properties while B Khata properties are restricted from doing this.
 Loans can be availed on and for A Khata properties while B Khata properties cannot avail loans.
 A Khata is the final document certifying that your property is completely legal and available for trade while B Khata is the temporary document that needs to be upgraded to A Khata to avail the complete set of services associated with owning a property in Bangalore.
 B Khata properties have to satisfy various criteria such as DC converted property, payment of all property taxes till date and betterment charges to be paid to BBMP to convert them to A Khata properties.
9. Interior Design- We at Citadil, have been into loans, construction and interiors since the past 10 years with specialized teams for Designer Modular Work(Indian and Italian specialized designs), Wooden Work(with carefully carved and systematically processed and seasoned wood), Remodeling(interior & exterior), Wardrobe design(wall-built and external full length)
10.Investment – Providing financial advices regarding Investors, joint Venture(both residential and commercial), Business Partners(in projects of construction, demolition as well as renovation), Budget Project(consisting of individual budget homes of internationally quality built). We ourselves also undertake the above for said welcoming new landmarks in Bangalore.

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