Title scrutiny, explained.
Articles on the records, rules and risks behind a property’s title in India. Written for people who have to get one right, not for a law review.
What is a Title Scrutiny Report?
The meaning in banking, the questions it answers, and why a loan depends on it.
How to read an Encumbrance Certificate
What the entries mean, the search period, and the charges to look for.
A property due-diligence checklist
The documents and checks to run before you rely on a property.
How to verify a property title in India
Where the records are, and the gaps between them.
RBI title verification guidelines
What the regulator expects of a lender before it sanctions.
SARFAESI and title scrutiny
Why a clean title is what makes enforcement possible.
CERSAI registration, explained
The timing requirement and how it protects a lender’s priority.
Automated versus manual TSR
The trade-off in hours, cost and consistency.
TSR software for banks and NBFCs
What to compare, and the claims to ignore.
The 7/12 extract
Maharashtra’s property record, what it shows and what it hides.
Khata and RTC in Karnataka
The record behind the ownership in the state.
Patta and chitta in Tamil Nadu
The landholding record and how to read it.
Property title fraud in India
The common schemes, and how due diligence catches them.