Date: 01.11.
2020
ANNEXURE – B:
REPORT OF INVESTIGATION OF TITLE IN RESPECT OF IMMOVABLE PROPERTY.
(All columns/items are to be completed/commented by the Panel advocate)
1 a)Name of the Branch/ Business Unit/Office State Bank of India
Thirupapuliyur
seeking opinion.
Branch
b) Reference No. and date of the letter under the As per request of the
cover of which the documents tendered for Branch
Manager/Head
scrutiny are forwarded.
c) Name of the Borrower. Mr.T.Kannan
S/o.Thirunavukarasu
2. a) Name of the unit/concern/ company/person Mr.T.Kannan
offering the property/ (ies) as security. S/o.Thirunavukarasu
b) Constitution of the unit/concern/ person/ Individual
body/authority offering the property for creation
of charge.
c) State as to under what capacity is security Borrower
offered (whether as joint applicant or borrower
or as guarantor, etc.)
3. Complete or full description of the immovable Referred below
property/ (ies) offered as security including the
following details.
(a) Survey No. Referred below
(b) Door/House no. (in case of house property) Referred below
(c) Extent/ area including plinth/ built up area Referred below
in case of house property
(d) Locations like name of the place, village, Referred below
city, registration, sub-district etc. Boundaries.
Schedule of Property:
Cuddalore Registration District, Cuddalore Joint I Sub Registration
District, Cuddalore Municipality, Vilvarayanatham Village, Shanmugam
Pillai Street, in Ward No.7, Block No.6, T.S.No.2417 site measuring East
West both side 33 feet, South North both side 132 feet total 4356 sq.ft
or 0.0405.0 sq.meter Vacant site.
Boundaries: East of V.Azhagappan Plot, West of Muralidharan House,
North of Varatharajan Avenue Plot, South of Shanmugam Pillai Street.
a). Particulars of the documents scrutinized-serially and
chronologically.
b). Nature of documents verified and as to whether they are
originals or certified copies or registration extracts duly
certified.
Page 1 of 18
Note: Only originals or certified extracts from the
registering/land/ revenue/ other authorities be examined
Sl. Date Name/ Nature of the Original/ In case of
No. Document certified copies,
copy/ whether
certified the
extract/ original
photocop was
y, etc. scrutinize
d by the
Advocate.
1. 08.12.1995 Registered Partition Deed Registrat Registrati
between Varatharajan and ion copy on copy
others under Doc.No.1867
2. 25.08.1999 Registered Release Deed Registrat Registrati
executed by Rajendhiran ion copy on copy
and Raja in favour of
Anbazhagan under
Doc.No.1762
3. 31.07.2003 Registered Sale Deed Original Original
Executed by Anbazhagan to
in favour of
Sumathimuralidharan
under Doc.No.1712
4. 25.03.2008 Registered Sale Certificate Original Original
issued by UCO Bank
Manjakuppam, Cuddalore in
favour of D.Gnanavel under
Doc.No.2689
5. 04.10.2017 Registered Sale Deed Original Original
Executed by D.Gnanavel to
in favour of the applicant
T.Kannan under
Doc.No.2322/2017.
6. 23.07..2015 Encumbrance Certificate Original Original
No.3804/2015 for the
period from 01.01.1987 to
22.07.2015 for the period of
29 years issued by Joint I
Sub Registrar, Cuddalore.
7. 18.09.2017 Encumbrance Certificate Original Original
Page 2 of 18
No.3642/2017 for the
period from 01.01.2015 to
17.09.2017 for the period of
3 years issued by Joint I Sub
Registrar, Cuddalore
8. 30.10.2017 Registered MOD Executed Original Original
by Mr.T.Kannan to and in
favour of State Bank of
India Vide Doc
No.2604/2017.
9. 21.10.2020 Encumbrance Certificate for Tn. Tn.
the Period from 01.01.2017 Reginet Reginet
to 20.10.2020, issued by SRO
Cuddalore Join I.
5. a) Whether certified copy of all title documents are obtained Not
from the relevant sub-registrar office and compared with applicable
the documents made available by the proposed mortgagor?
(Please also enclose all such certified copies and relevant fee
receipts along with the TIR).
b) i) Whether all pages in the certified copies of title Not
documents which are obtained directly from Sub-Registrar’s applicable
office have been verified page by page with the original
documents submitted?.
b) ii) Where the certified copies of the title documents are Not
not available, the copy provided should be compared with applicable
the original to ascertain whether the total page numbers in
the copy tally page by page with the original produced.
(In case originals title deed is not produced for comparing
with the certified or ordinary copies should be handled
more diligently & cautiously.)
6. a) Whether the records of registrar office or revenue Yes
Encumbra
authorities relevant to the property in question are available
nce
for verification through any online portal or computer Certificate
system?
b) If such online/computer records are available, whether Yes
any verification or cross checking are made and the
comments/ findings in this regard.
c) Whether the genuineness of the stamp paper is possible Not
Page 3 of 18
to be got verified from any online portal and if so whether applicable
such verification was made?
7. a) Property offered as security falls within the jurisdiction of SRO,
Cuddalore
which sub-registrar office?
Joint I.
b)Whether it is possible to have registration of documents No
in respect of the property in question, at more than one
office of sub-registrar/ district registrar/ registrar- general.
If so, please name all such offices?
c)Whether search has been made at all the offices named at Not
applicable
(b) above?
d)Whether the searches in the offices of registering No
authorities or any other records reveal registration of
multiple title documents in respect of the property in
question?
8. Chain of title tracing the title from the oldest title deed to
the latest title deed establishing title of the property in
question from the predecessors in title/interest to the
current title holder. And wherever Minor’s interest or
other clog on title is involved, search should be made for a
further period, depending on the need for clearance of such
clog on the Title.
In case of property offered as security for loans of
Rs.1.00 Crore and above, search of title/ encumbrances
for a period of not less than 30 years is mandatory.
(Separate Sheets may be used)
FLOW OF TITLE:
Flow on Title:
(1). The property offered as security originally belongs to Varatharajan
and others. They have divided the properties under a registered
partition deed dated 08.12.1995 as per Doc No.1867. As per the partition
deed the above said property comes under the share of Anbazhagan in
C-Schedule property.
(2). As partition deed the share is i.e., Rajendiran and Raja i.e regarding
B and D schedules properties executed a registered release deed on
25.08.1999 with regard to their share in favour of V.Anbazhagan as per
Doc. No.1762
Page 4 of 18
(3). The said V.Anbazhagan sold the above said properly in favour of
Sumathimuralidharan under a registered sale deed dated 31.07.2003
as per Doc. No.1712.
(4). The said Sumathimuralidharan avail loan from UCO, Manjakuppam
and since she has committed default in repayment of the loan dues the
bank took the property for sale and it was purchased by D.Gnanavelu in
public auction by the bank. Hence the bank gave sale certificate to
D.Gnanavelu on 25.03.2005 as per Doc. No.2689.
(5). Thereafter the said D.Gnanavelu has sold the property in favour of
the applicant T.Kannan under a registered sale deed dated 04.10.2017
as per Doc. No.2322/2017.
(6). Thereafter the Said applicant T.Kannan has Obtained loan from SBI,
thereby T.Kannan has Executed a Registered MOD to in favour of State
Bank of India, Vide Doc No.2604/2017 dated 30.12.2017
(7). The party may be directed to produce Patta, Adangal and A-register
to show his possession in the above said property.
(8). ENCUMBRANCE: I have perused E.C.No.3804/2015 for the period
from 01.01.1987 to 22.07.2015 for the period of 29 years and another
E.C.No.3642/2017 for the period from 01.01.2015 to 17.09.2017 for the
period of 3 years and another Encumbrance Certificate for the Period
from 01.01.2017 to 20.10.2020 for the Period of 3 years issued by Joint
Sub Registrar, Cuddalore dated 21.10.2020 was Produced there is no
existing encumbrance over the property.
(9). Hence basing on documents produced, I am of the opinion that
(Applicant/Borrower) Mr.T.Kannan S/o.Thirunavukarasu, Possessing
clear, valid, absolute, marketable, conveyable title over the Property
offered as security.
9. Nature of Title of the intended Mortgagor over the Absolute
Ownership
Property (whether full ownership rights, Leasehold
Page 5 of 18
Rights, Occupancy/ Possessory Rights or Inam
Holder or Govt. Grantee/Allottee etc.)
10. If leasehold, whether; Not Applicable
a)lease Deed is duly stamped and registered Not Applicable
b)lessee is permitted to mortgage the Leasehold Not Applicable
right,
c)duration of the Lease/unexpired period of lease, Not Applicable
d)if, a sub-lease, check the lease deed in favour of Not Applicable
Lessee as to whether Lease deed permits sub-
leasing and mortgage by Sub-Lessee also.
e)Whether the leasehold rights permits for the Not Applicable
creation of any superstructure (if applicable)?
f)Right to get renewal of the leasehold rights and Not Applicable
nature thereof.
11. If Govt. grant/ allotment/Lease-cum/Sale No
Agreement, whether;
grant/ agreement etc. provides for alienable rights Not Applicable
to the mortgagor with or without conditions,
the mortgagor is competent to create charge on Not Applicable
such property,
whether any permission from Govt. or any other Not Applicable
authority is required for creation of mortgage and if
so whether such valid permission is available.
12. If occupancy right, whether;
a)Such right is heritable and transferable, Yes
b)Mortgage can be created. Yes
13. Nature of Minor’s interest, if any and if so, whether Not applicable
creation of mortgage could be possible, the
modalities/procedure to be followed including
court permission to be obtained and the reasons for
coming to such conclusion.
14. If the property has been transferred by way of Not applicable
Gift/Settlement Deed, whether:
a) The Gift/Settlement Deed is duly stamped and Not applicable
registered;
b) The Gift/Settlement Deed has been attested by Not applicable
two witnesses;
c) The Gift/Settlement Deed transfers the property Not applicable
to Donee;
d) Whether the Donee has accepted the gift by Not applicable
signing the Gift/Settlement Deed or by a separated
writing or by implication or by actions;
Page 6 of 18
e) Whether there is any restriction on the Donor in Not applicable
executing the gift/settlement deed in question;
f) Whether the Donee is in possession of the gifted Not applicable
property;
g) Whether any life interest is reserved for the Not applicable
Donor or any other person and whether there is a
need for any other person to join the creation of
mortgage;
h) Any other aspect affecting the validity of the title Not applicable
passed through the gift/settlement deed.
15. (a).In case of partition/family settlement deeds, Yes Partition deed
whether the original deed is available for deposit. If Registered
not the modality/procedure to be followed to
create a valid and enforceable mortgage.
(b).Whether mutation has been effected and Yes
whether the mortgagor is in possession and In the name of
previous title
enjoyment of his share.
owner.
(c).Whether the partition made is valid in law and yes
the mortgagor has acquired a mort gable title
thereon.
(d).In respect of partition by a decree of court, No
whether such decree has become final and all other
conditions/ formalities are completed/ complied
with.
(e).Whether any of the documents in question are Yes
executed in counterparts or in more than one set? If
so, additional precautions to be taken for avoiding
multiple mortgages?
16. Whether the title documents include any Not applicable
testamentary documents /wills?
(a) In case of wills, whether the will is registered
will or unregistered will?
(b) Whether will in the matter needs a Not applicable
mandatory probate and if so whether the same is
probated by a competent court?
(c) Whether the property is mutated on the basis Not applicable
of will?
(d) Whether the original will is available? Not applicable
(e) Whether the original death certificate of the Not applicable
Page 7 of 18
testator is available?
(f) What are the circumstances and/or Not applicable
documents to establish the will in question is the
last and final will of the testator?
(Comments on the circumstances such as the
availability of a declaration by all the beneficiaries
about the genuineness/ validity of the will, all
parties have acted upon the will, etc., which are
relevant to rely on the will, availability of
Mother/Original title deeds are to be explained.)
17. (a) Whether the property is subject to any wakf Not applicable
rights?
(b) Whether the property belongs to church/ Not applicable
temple or any religious/other institutions having
any restriction in creation of charges on such
properties?
(c) Precautions/ permissions, if any in respect of Not applicable
the above cases for creation of mortgage?
18. (a) Where the property is a HUF/joint family Not applicable
property, mortgage is created for family
benefit/legal necessity, whether the Major
Coparceners have no objection/join in execution,
minor’s share if any, rights of female members etc.
(b) Please also comment on any other aspect Not applicable
which may adversely affect the validity of security
in such cases?
19. (a) Whether the property belongs to any trust or Not applicable
is subject to the rights of any trust?
(b) Whether the trust is a private or public trust Not applicable
and whether trust deed specifically authorizes the
mortgage of the property?
(c) If so additional precautions/permissions to Not applicable
be obtained for creation of valid mortgage?
(d) Requirements, if any for creation of mortgage Not applicable
as per the central/state laws applicable to the trust
in the matter.
20. (a) If the property is Agricultural land, whether Not applicable
the local laws permit mortgage of Agricultural land
and whether there are any restrictions for
Page 8 of 18
creation/enforcement of mortgage.
(b) In case of agricultural property other relevant Not applicable
records/documents as per local laws, if any are to
be verified to ensure the validity of the title and
right to enforce the mortgage?
(c) In the case of conversion of Agricultural land Not applicable
for commercial purposes or otherwise, whether
requisite procedure followed/permission obtained.
21. Whether the property is affected by any local laws Not applicable
or other regulations having a bearing on the
creation security (viz. Agricultural Laws, weaker
Sections, minorities, Land Laws, SEZ regulations,
Costal Zone Regulations, Environmental Clearance,
etc.),
22. (a) Whether the property is subject to any Not applicable
pending or proposed land acquisition proceedings?
(b) Whether any search/enquiry is made with Not applicable
the Land Acquisition Office and the outcome of such
search/enquiry.
23. (a) Whether the property is involved in or Not applicable
subject matter of any litigation which is pending or
concluded?
(b) If so, whether such litigation would adversely Not applicable
affect the creation of a valid mortgage or have any
implication of its future enforcement?
(c) Whether the title documents have any court Not applicable
seal/ marking which points out any litigation/
attachment/security to court in respect of the
property in question? In such case please comment
on such seal/marking.
24. (a) In case of partnership firm, whether the Not applicable
property belongs to the firm and the deed is
properly registered.
(b) Property belonging to partners, whether Not applicable
thrown on hotchpot? Whether formalities for the
same have been completed as per applicable laws?
(c) Whether the person(s) creating mortgage Not applicable
has/have authority to create mortgage for and on
behalf of the firm.
Page 9 of 18
25. a)Whether the property belongs to a Limited Not applicable
Company, check the Borrowing powers, Board
resolution, authorisation to create
mortgage/execution of documents, Registration of
any prior charges with the Company Registrar
(ROC), Articles of Association /provision for
common seal etc.
b) i) Whether the property (to be mortgaged) is Not applicable
purchased by the above Company from any other
Company or Limited Liability Partnership (LLP)
firm? Yes / No.
b) ii) If yes, whether the search of charges of the Not applicable
property (to be mortgaged) has been carried out
with Registrar of Companies (RoC) in respect of
such vendor company / LLP (Vendor) and the
vendee company (purchaser)?
b) iii) Whether the above search of charges reveals Not applicable
any prior charges/encumbrances, on the property
(proposed to be mortgaged) created by the Vendor
Company (Vendor)? Yes / No.
b) iv) If the search reveals encumbrances/charges, Not applicable
whether such charges/ encumbrances have been
satisfied? Yes / No.
26. In case of Societies, Association, the required Not applicable
authority/power to borrower and whether the
mortgage can be created, and the requisite
resolutions, bye-laws.
27. (a) Whether any POA is involved in the chain of Not applicable
title?
(b) Whether the POA involved is one coupled Not applicable
with interest, i.e. a Development Agreement-cum-
Power of Attorney. If so, please clarify whether the
same is a registered document and hence it has
created an interest in favour of the
builder/developer and as such is irrevocable as per
law.
(c) In case the title document is executed by the Not applicable
POA holder, please clarify whether the POA
Page 10 of 18
involved is (i) one executed by the Builders viz.
Companies/ Firms/Individual or Proprietary
Concerns in favour of their Partners/ Employees/
Authorized Representatives to sign Flat Allotment
Letters, NOCs, Agreements of Sale, Sale Deeds, etc.
in favour of buyers of flats/units (Builder’s POA) or
(ii) other type of POA (Common POA).
(d) In case of Builder’s POA, whether a certified Not applicable
copy of POA is available and the same has been
verified/compared with the original POA.
(e) In case of Common POA (i.e. POA other than Not applicable
Builder’s POA), please clarify the following clauses
in respect of POA.
i. Whether the original POA is verified and the Not applicable
title investigation is done on the basis of original
POA?
ii. Whether the POA is a registered one? Not applicable
iii. Whether the POA is a special or general one? Not applicable
iv. Whether the POA contains a specific authority Not applicable
for execution of title document in question?
(f) Whether the POA was in force and not Not applicable
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?)
(g) Please comment on the genuineness of POA? Not applicable
(h) The unequivocal opinion on the enforceability Not applicable
and validity of the POA?
28. Whether mortgage is being created by a POA Not applicable
holder, check genuineness of the Power of Attorney
and the extent of the powers given therein and
whether the same is properly executed/ stamped/
authenticated in terms of the Law of the place,
where it is executed.
29. If the property is a flat/apartment or Not applicable
residential/commercial complex, check and
comment on the following:
(a).Promoter’s/Land owner’s title to the land/ Yes
Page 11 of 18
building;
(b).Development Agreement/Power of Attorney; Not applicable
(c).Extent of authority of the Developer/builder; Not applicable
(d).Independent title verification of the Land Not applicable
and/or building in question;
(e).Agreement for sale (duly registered); Not applicable
(f).Payment of proper stamp duty; Not applicable
(g).Requirement of registration of sale agreement, Not applicable
development agreement, POA, etc.;
(h).Approval of building plan, permission of Yes produce
appropriate/local authority, etc.;
(i).Conveyance in favour of Society/ Condominium Not applicable
concerned;
(j).Occupancy Certificate/allotment letter/letter of Not applicable
possession;
(k).Membership details in the Society etc.; Not applicable
(l).Share Certificates; Not applicable
(m).No Objection Letter from the Society; Not applicable
(n).All legal requirements under the Not applicable
local/Municipal laws, regarding ownership of
flats/Apartments/Building Regulations,
Development Control Regulations, Co-operative
Societies’ Laws etc.;
(o).Requirements, for noting the Bank charges on Not applicable
the records of the Housing Society, if any;
(p).If the property is a vacant land and construction No
is yet to be made, approval of lay-out and other
precautions, if any.
(q).Whether the numbering pattern of the Not applicable
units/flats tally in all documents such as approved
plan, agreement plan, etc.
30. Encumbrances, Attachments, and/or claims No
whether of Government, Central or State or other
Local authorities or Third Party claims, Liens etc.
and details thereof.
31. The period covered under the Encumbrances EC from
Certificate and the name of the person in whose 01.01.1987 to
20.10.2020 reveals
favour the encumbrance is created and if so,
that the present
satisfaction of charge, if any. title owner
Mr.T.Kannan
S/o.Thirunavukara
su is entered and
Page 12 of 18
no other change is
made as per E.C.
32. Details regarding property tax or land revenue or Does not arise
other statutory dues paid/payable as on date and if
not paid, what remedy?
33. (a) Urban land ceiling clearance, whether Does not arise
required and if so, details thereon.
(b) Whether No Objection Certificate under the Does not arise
Income Tax Act is required/ obtained.
34. Details of RTC extracts/mutation extracts/Katha No
extracts pertaining to the property in question.
35. Whether the name of mortgagor is reflected as Yes
owner in the revenue/Municipal/Village records?
36. (a) Whether the property offered as security is YES
clearly demarcated?
(b). Whether the demarcation/ partition of the YES
property is legally valid?
(c).Whether the property has clear access as per YES
documents?
37. Whether the property can be identified from the Does not arise
following documents, and discrepancy/doubtful
circumstances, if any revealed on such scrutiny?
(a).Document in relation to electricity connection; Does not arise
(b).Document in relation to water connection; Does not arise
(c).Document in relation to Sales Tax Registration, if Does not arise
any applicable;
(d). Other utility bills, if any. Does not arise
38. In respect of the boundaries of the property, No
whether there is a difference/discrepancy in any of
the title documents or any other documents (such
as valuation report, utility bills, etc.) or the actual
current boundary? If so please elaborate/ comment
on the same.
39. If the valuation report and/or approved/ Yes
sanctioned plans are made available, please
comment on the same including the comments on
the description and boundaries of the property on
the said document and that in the title deeds.
(If the valuation report and/or approved plan are
Page 13 of 18
not available at the time of preparation of TIR,
please provide these comments subsequently, on
making the same available to the advocate.)
40. Any bar/restriction for creation of mortgage under No
any local 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 Yes
Act, if required against the property offered as
security?
42. In case of absence of original title deeds, details of Not applicable
legal and 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.
43. Whether the governing law/constitutional Does not arise
documents of the mortgagor (other than natural
persons) permits creation of mortgage and
additional precautions, if any to be taken in such
cases.
44. Additional aspects relevant for investigation of title Does not arise
as per local laws.
45. Additional suggestions, if any to safeguard the Borrower MOD
interest of Bank/ ensuring the perfection of was Registered
With SBI.
security.
46. The specific persons who are required to create Mr.T.Kannan
mortgage/to deposit documents creating mortgage. S/o.Thirunavukara
su
47. 1) Whether the Real Estate project comes under No
Real Estate (Regulation and Development) Act,
2016? Yes or No.
2) Whether the project is registered with the Real Not applicable
Estate Regulatory Authority? If so, the details of
such registration are to be furnished.
Whether the registered agreement for sale as
prescribed in the above Act / Rules there under is
executed?
3) Whether the details of the apartment / plot in Not applicable
question are verified with the list of number and
Page 14 of 18
types of apartments or plots booked as uploaded by
the promoter in the website of Real Estate
Regulatory Authority ?
Note: In case separate sheets are required, the same may be used, signed and
annexed.
Date: 01.11.2020.
Place: Cuddalore.
Signature of the Advocate
Annexure – C:
CERTIFICATE OF TITLE.
1. I have examined the Original Title Deeds intended to be deposited relating to
the schedule property/(ies) and offered as security by way of *Registered/
Equitable/English Mortgage (*please specify the kind of mortgage) and that the
documents of title referred to in the Opinion are valid evidence of Right, title
and Interest and that if the said Registered/ Equitable Mortgage is created, 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 the 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 the relevant Government
Offices,/Sub-Registrar(s) Office(s), Revenue Records, Municipal/ Panchayat
Office, Land Acquisition Office, Registrar of Companies Office, 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
Page 15 of 18
and encumbrance certificate (EC), I hereby 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 Encumbrance Certificate for the period from 01.01.1987 to
20.10.2020 , pertaining to the Immovable Property/(ies) 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 already stated in the Loan documents and
agreed to by the Mortgagor and the Bank (Delete, whichever is inapplicable).
7. Minor/(s) and his/ their interest in the property/(ies) is to the extent of
____________ ( Specify the share of the Minor with Name). (Strike out if not
applicable).
8. The Mortgage if created, will be available to the Bank for the Liability of the
Intending Borrower, Shri/Smt./M/s. Mr.T.Kannan S/o.Thirunavukarasu.
9. I certify that Shri/ Smt./ M/s. Mr.T.Kannan S/o.Thirunavukarasu, has/have
an absolute, clear and Marketable title over the Schedule property/ (ies). 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, we certify that the deposit of following title
deeds/ documents would create a valid and enforceable mortgage:
SL Date of Name/Nature of Document Required Original/
No Document Certified copy/
certified Extract/
Photocopy, etc.,
1. 08.12.1995 Registered Partition Deed between Registration copy
Varatharajan and others under
Doc.No.1867
2. 25.08.1999 Registered Release Deed executed Registration copy
by Rajendhiran and Raja in favour of
Anbazhagan under Doc.No.1762
3. 31.07.2003 Registered Sale Deed Executed by Original
Anbazhagan to in favour of
Sumathimuralidharan under
Page 16 of 18
Doc.No.1712
4. 25.03.2008 Registered Sale Certificate issued by Original
UCO Bank Manjakuppam, Cuddalore
in favour of D.Gnanavel under
Doc.No.2689
5. 04.10.2017 Registered Sale Deed Executed by Original
D.Gnanavel to in favour of the
applicant T.Kannan under
Doc.No.2322/2017.
6. 23.07..2015 Encumbrance Certificate Original
No.3804/2015 for the period from
01.01.1987 to 22.07.2015 for the
period of 29 years issued by Joint I
Sub Registrar, Cuddalore.
7. 18.09.2017 Encumbrance Certificate Original
No.3642/2017 for the period from
01.01.2015 to 17.09.2017 for the
period of 3 years issued by Joint I Sub
Registrar, Cuddalore
8. 30.10.2017 Registered MOD Executed by Original
Mr.T.Kannan to and in favour of State
Bank of India Vide Doc
No.2604/2017.
9. 21.10.2020 Encumbrance Certificate for the Tn. Reginet
Period from 01.01.2017 to
20.10.2020, issued by SRO Cuddalore
Join I.
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.
SCHEDULE OF THE PROPERTY (IES)
Cuddalore Registration District, Cuddalore Joint I Sub Registration District,
Cuddalore Municipality, Vilvarayanatham Village, Shanmugam Pillai Street, in
Ward No.7, Block No.6, T.S.No.2417 site measuring East West both side 33
feet, South North both side 132 feet total 4356 sq.ft or 0.0405.0 sq.meter
Vacant site.
Boundaries: East of V.Azhagappan Plot, West of Muralidharan House, North of
Varatharajan Avenue Plot, South of Shanmugam Pillai Street.
Page 17 of 18
Date: 01.11.2020.
Place: Cuddalore.
Signature of the Advocate.
Page 18 of 18
