Property Document Checklist
Verify essential title deeds, RERA approvals, OC/CC permits, and NOC clearance certificates before buying.
Diligence Audit Tracker
Audit each legal certificate before paying token deposits or executing agreements.
Registered Title Deed (30-Year Chain)
Land TitleProves unencumbered ownership history of the land or plot for 30+ years.
Legal SignificanceWithout a clear, registered Title Deed, you cannot establish who legally owns the land. If the title is disputed, the entire building could be subject to ownership litigation or bank recovery proceedings.
Critical Red FlagsMissing original deeds, chains shorter than 30 years, unregistered power of attorney transfers, or mismatching survey coordinates.
How to Audit This DocumentConfirm the continuous chain of sale deeds for the last 30 years. Look for official Sub-Registrar seals, correct Survey/CTS numbers, and matching original land owner names.
Commencement Certificate (CC)
Municipal ApprovalIssued by local municipal corporation (e.g. BMC, VVMC) authorizing construction.
Occupancy Certificate (OC)
Habitation ClearanceConfirms building construction matches approved blueprints and is safe to live in.
Encumbrance Certificate (EC) & Index-2
Financial LiabilityCertifies property is free of active bank mortgages, court litigation, or unpaid dues.
Sanctioned Building & Layout Plan
Architectural ComplianceApproved floor plan and floor-space index (FSI) layout sanctioned by local authorities.
Non-Agricultural (NA) & MahaRERA Certificate
Statutory RegistrationLand use conversion order and statutory MahaRERA project registration number.
Always insist on viewing original documents. If original title deeds are pledged with a bank, request a bank-certified photocopy and NOC.
Before executing high-value property agreements, instruct your legal advocate to issue a public notice in local newspapers inviting claims.
This checklist serves as reference diligence guidelines for homebuyers and does not replace formal title search reports by a registered advocate.