Property Buying Checklist — Legal Due Diligence

Why Legal Due Diligence is Essential

Property fraud and disputes are among the most common legal issues in India. A proper title search and document verification can save you lakhs and years of litigation.

10 Critical Documents to Verify

• 1. Title Deed: Verify the chain of ownership for last 30 years. Ensure seller has clear marketable title.
• 2. Encumbrance Certificate (EC): Confirms no outstanding loans or legal dues on the property.
• 3. Khata / Mutation Records: Revenue records showing property in seller's name.
• 4. Property Tax Receipts: All dues must be cleared by seller before registration.
• 5. RERA Registration: For under-construction projects — verify on MP RERA portal.
• 6. Approved Building Plan: Ensure construction matches sanctioned plan.
• 7. Occupancy Certificate: For completed buildings — confirms legal occupancy.
• 8. No Objection Certificates: From relevant authorities (water, electricity, society).
• 9. Sale Deed / Agreement to Sell: Carefully drafted with all terms, possession date, penalty clauses.
• 10. Power of Attorney: If seller is acting through POA — verify POA is valid and specific.

Common Property Frauds to Watch Out For

• Selling property owned by multiple heirs without consent of all
• Suppressing existing mortgage / bank loan on the property
• Fake documents and forged signatures
• Selling agricultural land as residential land
• Unauthorized construction not matching approved plans