(South-Asia) Built from natural materials, especially unfired mud and thatch.
The manager publicly announced that the kutcha house loan was for those who lived in thatched huts and the linkage loan for those who lived in tiled houses! 2016 July 7, K. Kalpana, Women, Microfinance and the State in Neo-liberal India, Routledge, →ISBN, page 129:
(South-Asia, uncountable) Dried brick or mud, used as a material.
The only reasonable objection that could be made was its being cutcha—that is, built with mud instead of mortar. 1808–10, William Hickey, Memoirs of a Georgian Rake, Folio Society 1995, p. 215
Does the Station go on still? That was ages and ages ago. It must be crumbling to pieces. All except the Amirtollah kutcha road. I don't believe that could crumble till the Day of Judgment. 1909, Rudyard Kipling, “The Hill of Illusion”, in Under the Deodars (The Works of Rudyard Kipling), Edinburgh de Luxe edition, Boston, Mass.; London: The Edinburgh Society, →OCLC, page 84: