Beruflich Dokumente
Kultur Dokumente
b) Ref. no. and date of letter under cover of which the Nil.
documents tendered for scrutiny are forwarded.
2. a) Name of the unit/concern/company/person offering the Mrs. Neelam W/o Mr. Satya Parkash
property (i.es) as Security. R/o Village Pithanwas, Garhi Bolni,
District Rewari, Haryana.
3. Complete or full description of the immovable property Independent Floor, Second Floor of
(i.es) offered as security including the following details. House no. 405, Admeasuring 220 sq.
meters, having its covered area
133.636 sq. meters, Sector-9,
Gurugram, Haryana.
(b) Door/House No.(in case of house property) Independent Floor, Second Floor of
House no. 405
(c) Extent/area including plinth/ built up area in case of Admeasuring 220 sq. meters, having
house property its covered area 133.636 sq. meters
(d) Location like name of the place, village, city, Sector-9, Gurugram, Haryana.
registration, sub-district etc. Boundaries.
4. a) Particulars of the documents scrutinized, serially and 1. Allotment Letter Memo No.
chronologically. 2936 dated 12.08.2002
2. Re-Allotment Letter Memo No.
b) Nature of documents verified and as to whether they are 538 dated 22.01.2003
originals or certified copies or registration extracts duly 3. Conditions of Re-Allotment
certified. Letter No. 539 dated
22.01.2003
Note: Only originals or certified extracts from the 4. Possession Certificate Memo
No. 466 dated 24.04.2003
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registering/land/revenue/other authorities be examined. 5. Conveyance deed Vasika No.
18356 dated 29.03.2004
6. Sale Deed Vasika No. 15369
dated 24.09.2012
7. Re-Allotment Letter Memo No.
285/1780 dated 12.10.2012
8. Transfer Deed in Blood Relation
Vasika No. 23577 dated
23.12.2015
9. Re-Allotment Letter Memo No.
687 dated 20.01.2016
10. Transfer Deed in Blood Relation
Vasika No. 31673 dated
15.03.2016
11. Re-Allotment Letter Memo No.
42 dated 08.04.2016
12. Transfer Deed in Blood Relation
Vasika No. 10426 dated
15.07.2016
13. Re-Allotment Letter Memo No.
338 dated 10.08.2016
14. Sale Deed Vasika No. 4460
dated 03.01.2018
15. Re-Allotment Letter Memo No.
965 dated 07.03.2018
16. Building Plan Approval Letter
Memo No. HSVP/53479/2018
dated 11.10.2018
17. Occupation Certificate Memo
No. 85/851 dated 23.04.2019
18. Agreement to Sell dated
24.07.2019
19. Rectification deed vasika no.
6723 dated 12.09.2019
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Letter verified
10. 15.03.2016 Transfer Deed Original Yes, original document is seen and
verified
12. 15.07.2016 Transfer Deed Original Yes, original document is seen and
verified
14. 03.01.2018 Sale Deed Original Yes, original document is seen and
verified
16. 11.10.2018 Building Plan Original Yes, original document is seen and
Approval verified
Letter
b) ii) Where the certified copies of the title documents are Yes
not available, the copy provided should be compared with
the original to ascertain whether the total page number in
the copy tally page by page with the original produced.
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6. a) Whether the records of registrar office or revenue No, Manual records are available
authorities relevant to property in question are available for
verification through any online portal or computer system?
c) Whether search has been made at all the offices named Yes.
at (b) above?
8. Chain of title tracing the title from the oldest title deed to Please see Part –II of Annexure-1
the latest title deed establishing the title of the property in
question from predecessors in title/interest to the current
title holder. And whether Minor’s interest or other clog on
title is involved, search should be made for a further period,
depending on the need for clearance on such clog on title.
9. Nature of title of intended Mortgagor over the property( Full Ownership Rights on and after
whether full ownership rights, leasehold rights, execution and registration of the
occupancy/possessory rights or inam holder or Govt. sale deed in favor of the borrowers.
grantee/allottee etc.
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f) Right to get renewal of leasehold rights and nature NA
thereof.
11. If Govt. grant/ allotment/Lease-cum/Sale Agreement, N.A.
whether;
13. Nature of Minor’s interest, if any and if so, whether There are no minor interests
creation of mortgage could be possible- the whatsoever.
modalities/procedure to be followed including court
permission to be obtained and the reasons for coming to
such conclusion.
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precautions to be taken for avoiding multiple mortgages?
17. (a) Whether the property is subject to any wakf rights? No.
19. (a) Whether the property belongs to any trust or is subject No.
to rights of any trust?
20. (a) If the property is Agricultural land, whether the local N.A.
laws permit mortgage of Agricultural land and whether
there are any restrictions for creation/enforcement of
mortgage.
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(b) In the case of agricultural property other relevant
records/documents as per local laws, if any are to be
verified to ensure the validity of the title and rights to
enforce the mortgage.
(c) In the case of conversion of Agricultural land for Yes permission duly obtained
commercial purposes or otherwise, whether requisite
procedure followed/ permission obtained.
21. Whether the property is affected by any local laws or other No.
regulations having a bearing on the creation of security (viz.
Agricultural Laws, Weaker Sections, minorities, Land Laws,
SEZ regulations, Coastal zone regulations, Environmental
Clearance etc.)
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iii) Whether the above search of charges reveals any prior NA
charges/encumbrances, on the property (proposed to be
mortgaged) created by the vendor company (Seller)?
Yes/no
27. (a) Whether any POA is involved in the chain of title? No.
(f) Whether the POA was in force and not revoked or had
become invalid on the date of execution of the document in
question? (Please clarify whether the same has been
ascertained from the office of sub-registrar also?)
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executed/stamped/authenticated in terms of the Law of the
place, where it is executed.
31. The period covered under the Encumbrances Certificate 17.09.1989 to 16.09.2019 there is
and the name of the person in whose favour the no encumbrances.
encumbrance is created and if so satisfaction of charge, if
any?
32. Details regarding property tax or land revenue or other Yes, House Tax is Applicable
statutory dues paid/payable as on date and if not paid,
what remedy?
33. (a) Urban land ceiling clearance, whether required and if so No.
details thereof.
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Act is required/ obtained.
35. Whether the name of mortgagor is reflected as owner in Yes, on and after execution and
revenue/ Municipal/ Village records. registration of the sale deed in her
favour.
37. Whether the property can be identified from the following Yes.
documents, and discrepancy/ doubtful circumstances, if any
revealed on such scrutiny?
40. Any bar/restriction for creation of mortgage under any local No.
or special enactments, details of proper registration of
documents, payment of proper stamp duty etc.
41. Whether the Bank will be able to enforce SARFESI Act if Yes
required against the property offered as security?
42. In case of absence of original title deeds, details of legal and N.A.
other requirements for creation of a proper, valid and
enforceable mortgage by deposit of certified extracts duly
certified etc. as also any precaution to be taken by the Bank
in this regard.
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43. Whether the governing law/ constitutional documents of Yes.
the mortgagor (other than natural persons) permit creation
of mortgage and additional precautions, if any to be taken
in such cases.
45. Additional suggestions, if any to safeguard the interest of Bank should obtained from
Bank/ ensuring the perfection of security. Mortgagor(s): ** Latest paid house
tax / maintenance receipt, electricity
bill.**Sale deed executed and
registered in favour of the
borrowers** Permission to
Mortgage issued by HUDA in favour
of the mortgagor(s).
46. The specific person(s) who is/are required to create Mrs. Neelam W/o Mr. Satya Parkash
mortgage/to deposit documents creating mortgage. R/o Village Pithanwas, Garhi Bolni,
District Rewari, Haryana.
47. Whether the Real Estate Project comes under the Real No
Estate (Regulation and Development) Act, 2016? Y/N
I have examine the original Title Deeds intended to be deposited relating to the schedule properties
to be offered as security by way of equitable mortgage and that the documents of title referred to in
the opinion are valid evidence of right, title and interest and that the said registered/equitable
mortgage is created on production of original title deeds it will satisfy the requirements of creation of
registered/equitable mortgage and I further certify that:
2. I have examined the Documents in detail, taking into account all the Guidelines in check list vide
Annexure ’B’ and the other relevant factors.
3. I confirm having made a search in the Land/Revenue records. I also confirm having verified and
checked the records of relevant Government Offices/ Sub-Registrar(s) Office(s), Revenue Records,
Municipal/ Panchayat Office, Land Acquisition Office, Registrar of Companies, Wakf Board (wherever
applicable). I do not find anything adverse which would prevent the Title Holders from creating a
valid Mortgage. I am liable/ responsible, if any loss is caused to the bank due to negligence on my
part or by my agent in making search.
4. Following scrutiny of Land Records/Revenue Records, relative Title Deeds, certified copies of such
title deeds obtained from the concerned registrar office and Encumbrance Certificate (EC) I hereby
11
certify the genuineness of the Title Deeds, Suspicious/Doubt, if any, has been clarified by making
necessary enquiries.
5. There are no prior Mortgage/Charges/encumbrances whatsoever as could be seen from the search
made for the period from 17.09.1989 to 16.09.2019 pertaining to the immovable properties covered
by above-said title deeds. The property is free from all encumbrances.
6. In case of second/subsequent charge in favour of the Bank, there are no other mortgages/charges
other than the already stated in the loan documents and agreed to by the mortgagor and the Bank.
(Delete, whichever is inapplicable).
8. The Mortgage if created, will be available to the Bank for the liability of the intending borrowers
i.e. Mrs. Neelam W/o Mr. Satya Parkash R/o Village Pithanwas, Garhi Bolni, District Rewari, Haryana.
9. I certify that Mrs. Neelam W/o Mr. Satya Parkash R/o Village Pithanwas, Garhi Bolni, District
Rewari, Haryana, would have absolute, clear and marketable title over the scheduled properties on
and after execution and registration of the sale deed in her favor. I further certify that the above title
deeds are genuine and a valid mortgage can be created and the said mortgage would be enforceable.
10. In case of creation of Mortgage by deposit of title deeds, I certify that the deposit of following
original title deeds/ documents, create a valid and enforceable mortgage :-
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11. There are no legal impediments for creation of the Mortgage under any applicable Law/Rules in
force.
12. It is certified that the property is SARFAESI compliant.
ANNEXURE “1”
Sub: Verification of the title of Independent Floor, Second Floor of House no. 405, Admeasuring 220
sq. meters, having its covered area 133.636 sq. meters, Sector-9, Gurugram, Haryana.
Part –I
Part-II
I have checked and verified the records of Sub-Registrar, Gurugram from 1989 to 1997 vide receipt
No. 4950 dated 16.09.2019 and of the office of Sub-Registrar, Gurugram from 1998 to 2019 vide
receipt No. 13438 dated 16.09.2019 and of the office of Sub-Registrar, Kadipur from 2017 to 2019
vide receipt No. 753 dated 16.09.2019 (Inspection receipts are attached in original). The perusal and
inspection of Sub Registrar and on the basis of the above-documents sent to me, I note as under:
Description of the Chain of Title from the Mother Deed to the latest Title Deed:
That a piece of land was acquired by Land Acquisition Collector, Gurugram, Haryana from different
land owners of revenue estate of village Basai in district Gurugram and thereafter hand over the said
land to HUDA, Gurugram and HUDA developed the above said land and constructed house of
different areas and domination and developed residential colony known as Urban Estate, Sector 9,
Gurugram, Haryana on above mentioned land under the Haryana Development and Regulation of
That HUDA has allotted a residential Plot no. 405 measuring 220 sq. mts. (263.12 sq. yards) Sector 9,
Gurugram vide Allotment letter memo no. 2936 dated 12.08.2002 on free hold basis to Mr. Ranbir
Sangwan S/o Mr. Amrit Sangwan R/o House No. 2, M. C. Colony, Loharu Road, Charkhi Dadri,
13
Haryana. Thereafter Mr. Ranbir Sangwan S/o Mr. Amrit Sangwan sold / transfer the above said plot
to Mr. Ramesh Singh S/o Mr. Krishan Singh. In furtherance of that HUDA issued a Re-Allotment letter
and a Condition of Re-Allotment letter memo nos. 538 and 539 dated 22.01.2003 in favour of Mr.
Ramesh Singh S/o Mr. Krishan Singh. Further possession of the said Plot was given by HUDA to Mr.
Ramesh Singh S/o Mr. Krishan Singh vide possession certificate memo no. SDE(S) 466 dated
24.04.2003. Further Conveyance deed of the property i.e. Plot No. 405, Measuring 220 sq. mtrs.,
Sector 9, Gurugram, Haryana was executed by HUDA in favour of Mr. Ramesh Singh S/o Mr. Krishan
Singh vide conveyance deed vasika no. 18356 dated 29.03.2004, duly registered in the office of Sub-
Registrar-Gurugram. Thereafter Mr. Ramesh Singh S/o Mr. Krishan Singh sold the said plot to Smt.
Poonam W/o Sh. Ishwar Dass vide sale deed vasika no. 528515369 dated 24.09.2012, which was duly
Allotment letter memo no. 285/1780 dated 12.10.2012 in favour of Smt. Poonam W/o Sh. Ishwar
Dass. Thereafter Smt. Poonam W/o Sh. Ishwar Dass executed a Transfer Deed in Blood Relation was
in favour of Sh. Ishwar Dass S/o Late Sh. Karam Chand vide Transfer Deed Vasika No. 23577 dated
23.12.2015 which was duly registered in the office of Sub-Registrar, Gurgaon. In furtherance of that
a Re-Allotment Letter was issued by Estate Officer, HUDA, Gurgaon in favour of Sh. Ishwar Dass S/o
Late Sh. Karam Chand vide Re- Allotment Memo No. 687 dated 20.01.2016. Thereafter Transfer Deed
in Blood Relation was executed & registered by Sh. Ishwar Dass S/o Late Sh. Karam Chand in favour
of Sh. Kushal Chand S/o Late Sh. Karam Chand vide Transfer Deed Vasika No. 31673 dated 15.03.2016
which was duly registered in the office of Sub-Registrar, Gurgaon. In furtherance of that a Re-
Allotment Letter was issued by Estate Officer, HUDA, Gurgaon in favour of Sh. Kushal Chand S/o Late
Sh. Karam Chand vide Re-Allotment Letter Memo No. 42 dated 08.04.2016. Thereafter Transfer Deed
in Blood Relation was executed by Sh. Kushal Chand S/o Late Sh. Karam Chand in favour of Smt. Sita
Devi W/o Sh. Kushal Chand vide Transfer Deed Vasika No. 10426 dated 15.07.2016 which was duly
registered in the office of Sub-Registrar, Gurgaon. Thereafter a Re-Allotment Letter was issued by
Estate Officer, HUDA, Gurgaon in favour of Smt. Sita Devi W/o Sh. Kushal Chand vide Re-Allotment
Letter Memo No. 338 dated 10.08.2016. Thereafter Smt. Sita Devi W/o Sh. Kushal Chand sold the
said property to Mr. Dhanna Lal S/o S. Kishori Lal and Mrs. Geeta W/o Mr. Dhanna Lal vide Sale
Vasika No. 4460 dated 03.01.2018 which was duly registered in the office of Sub-Registrar, Kadipur.
In furtherance of that HUDA issue a Re-Allotment Letter Memo No. 965 dated 07.03.2018 in favor of
Mr. Dhanna Lal S/o S. Kishori Lal and Mrs. Geeta W/o Mr. Dhanna Lal. Thereafter Mr. Dhanna Lal S/o
14
S. Kishori Lal and Mrs. Geeta W/o Mr. Dhanna Lal obtained Building Plan Approval Letter Memo No.
HSVP/53479/2018 dated 11.10.2018. Thereafter Mr. Dhanna Lal S/o S. Kishori Lal and Mrs. Geeta
W/o Mr. Dhanna Lal obtained Occupation Certificate Memo No. 85/851 dated 23.04.2019, in regard
to Mumty, Ground Floor, First Floor and Second Floor. Now the borrower i.e. Mrs. Neelam W/o Mr.
Satya Parkash intended to purchase an Independent Floor, Second Floor of of the said property i.e.
Independent Floor, Second Floor of House no. 405, Admeasuring 220 sq. meters, having its covered
area 133.636 sq. meters, Sector-9, Gurugram, Haryana, from Mr. Dhanna Lal S/o S. Kishori Lal and
Mrs. Geeta W/o Mr. Dhanna Lal and for the same both the parties entered into an Agreement to Sell
dated 24.07.2019. Thereafter a rectification deed vasika no. 6723 dated 12.09.2019, was executed in
between Smt. Sita Devi W/o Sh. Kushal Chand and Mr. Dhanna Lal S/o S. Kishori Lal and Mrs. Geeta
W/o Mr. Dhanna Lal in regard to Transfer Deed in Blood Relation Vasika No. 31673 dated 15.03.2016,
which wrongly written (Clerical mistake by deed writer that executed and registered by father to son
whereas it should be written brother to brother), which was duly registered in the office of Sub-
Registrar, Kadipur.
That the title of the above said property is clear and marketable.
That there is no interest of minor involved in the said property whatsoever. That there is no defect in
chain of title and the chain of title is clear and complete in all respects. That the borrower i.e. Mrs.
Neelam W/o Mr. Satya Parkash R/o Village Pithanwas, Garhi Bolni, District Rewari, Haryana, would
have clear, legal and marketable right over said property, to the extent of Second Floor of the
property i.e. Independent Floor, Second Floor of House no. 405, Admeasuring 220 sq. meters, having
its covered area 133.636 sq. meters, Sector-9, Gurugram, Haryana, on and after execution and
Independent Floor, Second Floor of House no. 405, Admeasuring 220 sq. meters, having its covered
area 133.636 sq. meters, Sector-9, Gurugram, Haryana.
NARESH KUMAR, Advocate
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