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Property Title Verification Before Buying: Checklist

Due diligence that protects your largest purchase.
23 September 2026 by
Property Title Verification Before Buying: Checklist
Gaurav Kumar
Other Licenses & RegistrationsComplete Guide3 min read
The short answer

Before buying property, verify the seller's title through the chain of documents, typically for at least 30 years, obtain an encumbrance certificate to check mortgages, confirm building approvals and occupancy certificate, check RERA registration for projects, confirm property tax and society dues, search for litigation, and get a lawyer's title opinion.

Title searchUsually 30 years
Key documentEncumbrance certificate
ProjectsRERA registration

Documents to check

  • Title deeds and chain of ownership
  • Encumbrance certificate
  • Mutation and revenue records
  • Approved plans and OC
  • Tax and utility receipts
  1. Sub-Registrar records
  2. Court litigation searches
  3. Public notice inviting objections

Special cases

Agricultural land conversion, ancestral property with multiple heirs, and power of attorney sales need extra care.

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Final steps

Obtain legal opinion, then execute agreement and registered sale deed.

Frequently asked questions

Is a bank's approval enough?

Bank legal checks help, but independent verification is advisable.

What is an encumbrance certificate?

A record of registered transactions like mortgages on the property.

Why publish a public notice?

To invite claims from anyone with an interest in the property.

How long does verification take?

Usually one to three weeks.

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