How to Check Land Loan Details: Full Guide

Checking land loan details in Karnataka has become much easier with the help of online government portals, bank services, and digital document verification systems. Whether you have taken a land development loan, agricultural loan, or property purchase loan, staying updated with your loan information is important for repayment planning, eligibility checks, and documentation. This guide explains all the simple methods to check land loan details in Karnataka.

1. Check Land Loan Details Through Bank Portal

Almost every bank that provides land loans—such as SBI, Canara Bank, Karnataka Bank, and Co-operative Banks—offers online access. You can check your loan status by following these steps:

Steps:

1. Visit your bank’s official online banking portal or mobile app.
2. Log in using your registered username and password.
3. Go to the Loans or Credit Facilities section.
4. Select your Land Loan Account Number.
5. You can now view outstanding balance, EMI details, interest rate, repayment schedule, and transaction history.

If you do not have online banking access, visit your bank branch with your loan account number to get a printed statement.

2. Check Land Loan Linked Property Details on RTC (Bhoomi Portal)

In Karnataka, land titles and loan encumbrances are recorded in the RTC (Record of Rights, Tenancy, and Crops). If a loan is taken on agricultural land, the RTC often shows “Kharab,” “Pawati,” or Bank Hypothecation” remarks.

Steps on Bhoomi Portal:

1. Visit the official Bhoomi website (Karnataka Land Records Portal).
2. Click View RTC / MR.
3. Select District, Taluk, Hobli, and Village.
4. Enter the Survey Number.
5. View the RTC to check if any loan charge or mortgage is recorded under the remarks section.

This helps verify whether your land is still under a loan or if the mortgage has been cleared.

3. Check Encumbrance Certificate (EC) on Kaveri Online

The Encumbrance Certificate is the most important document to confirm whether land is under loan or mortgage with a bank.

Steps on Kaveri Online Services:

1. Visit Kaveri Online Services Portal.
2. Create or log in to your account.
3. Select “Download Encumbrance Certificate (EC)”.
4. Enter property details such as survey number or property number.
5. Pay the small online fee and download the EC.

If the land is mortgaged, the EC will show the bank name, loan date, mortgage type, and duration.

4. Check Loan Subsidy or Government Scheme Loan Details

If your land loan is taken under government schemes like NABARD, PM-Kisan Credit Card (KCC), or Karnataka State Agriculture Loans, you can check details on:

• NABARD or Co-operative Bank Portals

Here, you can view loan type, subsidy amount, pending dues, and eligibility.

Conclusion

Checking land loan details in Karnataka is simple when you use the right digital platforms. Banks provide online loan statements, while land ownership and mortgage details can be verified through Bhoomi RTC and Kaveri EC portals. Farmers and landowners using government scheme loans can also track their information through the FRUITS portal. By regularly checking these details, you can manage repayments, avoid legal issues, and ensure your land documents remain clear and updated.