LEGAL SCRUTINY REPORT FOR Jagjit Singh Sangar

Application ID: HLSA000DFBB0

Lead ID: HLSA000DFBB0
Date: 18/06/2025

To,
Piramal Finance Limited,
Barasat Branch,

Dear Sir/madam,
Sub: Legal Scrutiny Report in respect of the loan application of Mr./Ms. Jagjit Singh Sangar.
As desired by you vide the above referred letter, I/we are furnishing hereunder the legal
scrutiny report in respect of the property (described in part | hereto).

Part 1
Status & Remarks

The Status of this report is stated as Positive

Remarks: ......

Part 2
Basic Details
1. Name of buyer/owner:Tina Singh Sangar,Jagjit Singh Sangar
2. Address of the Property:
2/A, SECOND FLOOR, GANAPATI APARTMENT, Holding no-43,Natunpally, Mouza-
Khardah,JL no-2,Re.Su. No.-18,RS Dag no-3160,LR Dag no-1214,KH no-561,1409,179,LR
Kh no-1788,3242,4012,4103,PS-Khardah,Ward no-17, NEAR RABINDRA PALLY KALI
MANDIR, Under Titagarh Municipality, North 24 Parganas, Khardah, North 24 Parganas,
West Bengal, India
3. Measurement of the Property:
Land Extent: NA
Measurement of the Building: NA
4. Boundaries of the Property:

Boundary details 1
Property details: ALL THAT one residential Flat No. '2/A' in the Second Floor measuring
Carpet area 447 Sq.ft. and super built up area measuring 760 Sq.ft a little more or Less
consisting of 02 Bed room, Kitchen, Dining cum Dining Room Toilet, Balcony of the said
Multi Storied Building (G+4) constructed on the Land and Premises together with
undivided impartible proportionate share or interest in ALL THAT piece and parcel of
Page 1 of 54
Continued on next page...
"BASTU" land admeasuring 05 decimals equivalent to land measuring 3 (three) Cottahs 0
(Zero) Chhittaks, 18(Eighteen) St. a little more or less, along with 100 sq.ft. R.T. Shed
covered area in ground floor situated at Mouza Khardah, J.L. No. 2, Re. Su. No. 18, Touzi no
145. 218, 2998, R.S. Khatian No. 561, R.S. Dag No.3161, (land measuring 0157 Acre) and
R.S. Khatian no. 1409, R.S. Dag No. -3160, (land measuring 0343 Acre) as per English
measurement land measuring 05 Acre. L.R. Dag No. 1214, L.R. Khatian No. 1788, 3242,
4012,4103 within the limits of Titagarh Municipality, being Holding No. 43, Natun Pally, P.
O. Titagarh, P.S. Khardah, Dist. North 24-Parganas, Kolkata-700119:
East: By 8 feet wide Common Passage;
West: By Land of R.S. Dag No. 3160,3161;
North: By Land of others;
South: By Land of R.S. Dag No. 3161;

5. Name of the current owner(s): Tina Singh Sangar and Jagjit Singh Sangar
6. Nature of Property: Freehold
7. Type of Transaction: Builder Purchase
8. Permitted land usage as per the documents: Residential
9. Purpose of the Loan: Builder Purchase

Part 3
Documents Submitted
1. Copy of Sale Deed '' dated ''27-07-1970 Deed of Sale executed dated 27.07.1970, made
between RAM TAHOL CHAMAR (vendor) and Madan Chandra Das (vendee). The said Deed
was duly registered in the office of the S.R.O. Barrackpore and recorded in being No. 5258 for
the year 1970.

2. Copy of Legal Heir Certificate Legal Heir Certificate executed before the Ld. 1st Class
Judicial Magistrate at Barrackpore dated 24.04.2025 certifying that certifying that Madan
Chandra Das died intestate on 30.12.2000 and his wife Manju Das died intestate on
24.03.2025 leaving behind their one son Manoj Kumar Das and two daughters Madhabi Saha
and Manashi Modak as their only legal heirs and successors.

3. Copy of Development Agreement Deed of Development Agreement between Smt. Manju

Das, Manoj Kumar Das, Madhabi Saha and Manashi Modak (Land Lords) and Ganapati
Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay
Kumar Shaw (Developer).and being No. I-0234 / 2022.and Manoj Kumar Das, Madhabi Saha
and Manashi Modak (Land Lords) and Ganapati Enterprise represented by its partners Sri.
Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Developer)being no.-2521
/2025.

4. Copy of Agreement For Sale Cum Power Of Attorney Development Power of Attorney
between Smt. Manju Das, Manoj Kumar Das, Madhabi Saha and Manashi Modak (Principles)
and M/S. Ganapati Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar
Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder).being No. I-0356/2022.and between Manoj
Kumar Das, Madhabi Saha and Manashi Modak (Principles) and M/S. Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri.Sanjay Kumar Shaw
(Holder).being -2524/2025

Page 2 of 54
Continued on next page...
5. Copy of Mutation Certificate '' dated ''08-06-2021 Mutation Certificate issued by Titagarh
Municipality dated 08.06.2021in the name of Smt. Manju Das, Manoj Kumar Das, Madhabi
Saha and Manashi Modak.

6. Copy of Latest Tax receipts '' dated ''24-02-2025 Property Tax receipt in the name of Smt.
Manju Das, Manoj Kumar Das, Madhabi Saha and Manashi Modak dated 24.02.2025 issued by
Titagarh Municipality.

7. Copy of Sanctioned Building Plan And License Building Sanction Plan in respect of the
said building.

8. Copy of Record of Rights Parcha dated 28.04.2025 in the name of Manoj Kumar Das.and
Parcha (Online Dager Tathya) dated 17.06.2025 in the name of Madan Chandra Das.

9. Copy of Revenue records Khazna dated 11.06.2025 in the name of and paid by Manoj
Kumar Das.and Khazna dated 21.02.2025 in the name of and paid by Madan Chandra Das.

10. Copy of Latest Mutation Letter '' dated ''18-05-2025 Application for Mutation dated
18.05.2025 in the name of Madhabi Saha.

Part 4
Title Flow (History of Title of Property)

Ownership of Sri Manoj Kumar Das, Smt. Madhavi Saha and Manashi Modak:

WHEREAS by an Indenture of sale Deed dated 27th day of July, 1970, RAM TAHOL
CHAMAR, son of Late Ghate Chamar, being the then owner sold, transferred, conveyed a
piece or parcel of land admeasuring an area of 3 cottah 0 chittak 18 Sft. to Sri Madan Chandra
Das, son of Late Ramlal Das (now deceased) by virtue of a registered sale Deed being Deed
no 5258 for the year 1970, which was registered before the S.R. office at Barrackpore,
situated under Mouza- Khardah, J.L. no. 2, Re. Su. no. 18, Touzi no 145, 218, 2998, R.S.
Khatian no. 561, R.S. Dag no 3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.
S. Dag no 3160, as per English measurement land measuring 05 Acre. within the limits of
Titagarh Municipality and after purchasing the said land, Madan Chandra Das duly mutated
his name in the records of Titagarh Municipality and erect kuchha and Pucca house thereon
and paid rent and taxes regularly before the concern B.L.& L.R.O. and Titagarh Municipality
thereof.

AND WHEREAS said Madan Chandra Das during his peaceful possession and enjoyment of
the above said property died intestate on 30/12/2000 leaving behind him surviving his wife
Smt. Manju Das, one son Manoj Kumar Das and two daughters Madhabi Saha (Das) and
Manashi Modak (Das) as his only legal heirs to inherit his aforesaid and schedule mentioned
property.

AND WHEREAS thereafter said legal heirs of Madan Chandra Das, i.e., Smt. Manju Das, one
son Manoj Kumar Das and two daughters Madhabi Saha (Das) and Manashi Modak (Das)
became the joint owners of the aforesaid total property admeasuring an area of 3 cottah 0
chittak 18 Sft. of land with kutcha and pucca structure thereon, situated at Mouza- Khardah, J.
L. no. 2, Re. Su. no. 18, Touzi no 145, 218, 2998, R.S. Khatian no. 561, R.S. Dag no 3161, (land
measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag no 3160, (land measuring 0343
Page 3 of 54
Continued on next page...
Acre) as per English measurement land measuring 05 Acre. within the limits of Titagarh
Municipality, being Holding No. 31. Natun Pally, P.O. Titagarh, P.S. Khardah, Dist. North 24-
Parganas, Kolkata-700119 and in which each of having undivided 1/4th share of the same and
thereafter all the landowners duly mutated their names in the records of Titagarh Municipality
and they have been in peaceful possession of the total property under ward no- 17 of Titagarh
Municipality having valid, clear right and marketable title of the same.

AND WHEREAS while thus seized and possessed the above said property the Landowner
herein desire to construct a multi-storied building consisting several Flats and Shop Rooms
Garage over the aforesaid land, which is more fully and particularly described in the Schedule
A below after demolishing the existing structure and for the said purpose of construction of a
Multi storied building the aforesaid Owner searching for a reputed Promoter/Developer who
would construct multi-storied building on the said land under certain terms and conditions
inter alia at its own costs and expenses after obtaining necessary sanction plan from the
competent authority and the very intention of the Owner to allow them to construct the said
proposed multi-storied building on their property.

AND WHEREAS the Land Owner have shown their intention to the present Developer herein i.
e. GANAPATI ENTERPRISE for developing the said property by way of constructing a multi-
storied building and the Developers herein accepted the same and expressed their eagerness
to take charge of such proposal of construction over the said property.

AND WHEREAS the land owner have agreed to authorize the aforesaid Developer, namely,
GANAPATI ENTERPRISE, to construct a Multi-storied Building over the said property
according to the Building Plan to be approved by the Titagarh Municipality as specification
with floors, plans, elevation, sections made in compliance with the statutory requirements in
the said property at the cost of the Developer and accordingly the Land Owners entered into a
Development agreement with Developer GANAPATI ENTERPRISE for developing the
aforesaid plot by constructing a Multi-storied building over the said land, admeasuring 05
decimals equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen) Sqft,
a little more or less, alongwith 100 sft. R.T. Shed covered area situated within the limits of
Titagarh Municipality, being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist.
North 24-Parganas, Kolkata-700119 vide Development Agreement being No. I-1524 10234
for the year 2022, which was duly registered at A.D.S.R. Office at Sodepur and recorded there
in Book No. 1, Volume No. 1524-2022, Pages from 332073 to 332112 and they also
executed a Development Power of Attorney vide Development Power of Attorney being No. 1-
1524 10356 for the year 2022, registered at A.D.B.R. Office at Sodepur and recorded there in
Book No. 1, Volume No. 1524-2022, Pages from 332656 to 332681 in favour GANAPATI
ENTERPRISE to that effect.

AND WHEREAS in terms of the said Development Agreement executed in between Land
owner and Developer, the Developer/ Second Party herein duly submitted a Building Plan
before the Titagarh Municipality at their own cost and expenses and obtained a sanctioned
Plan of (0+4) storied building from the Titagarh Municipality.

AND WHEREAS after the executing of the Development Agreement with the landowners and
thereafter getting the sanctioned building plan from the Titagarh Municipality started
construction of the building over the schedule property by the fund of the Developer

Page 4 of 54
Continued on next page...
AND WHEREAS during the period of construction of the multi-storied building said land
owner Smt. Anju Das suddenly died on 24/03/2025 leaving behind him surviving her son Sri
Manoj Kumar Das, and two married daughter Smt. Madhavi Saha, and Manashi Modak as her
only legal heirs to inherit her undivided 1/4th share of the total property.

AND WHEREAS thereafter on due negotiation with the present landowners and to regularize
the process of Construction of Building, execution of the Sale Agreement, and registration of
the Agreement and Deed of Conveyance it was necessary to execute one new Development
Agreement and considering the same the landowner on the area of land they inherited from
the ownership of their mother. Therefore they, have agreed to execute a Development
Agreement with the Developer namely, GANAPATI ENTERPRISE, a Partnership Firm for the
purpose of continuation of the Development of Multi-storied Building over their property
according to the Building Plan approved by the Titagarh Municipality at the cost of the
Developer considering the previous terms and conditions and landowner Allocation
mentioned in the said previous Registered Development Agreement and the details of the
terms and conditions stipulated herein under. There for the said land owners and developers
had executed a Development Agreement vide Development Agreement being No. I-1524
02521 for the year 2025, which was duly registered at A.D.S.R. Office at Sodepur and
recorded there in Book No. 1, Volume No. 1524-2025, Pages from 73921 to 73953 and they
also executed a Development Power of Attorney vide Development Power of Attorney being
No. 1-1524 02524 for the year 2025, registered at A.D.B.R. Office at Sodepur and recorded
there in Book No. 1, Volume No. 1524-2025, Pages from 73902 to 73920 in favour
GANAPATI ENTERPRISE to that effect.

AND WHERAS as per the said Development Agreements In consideration of the Owner's
permission and/or allowing the Developer herein to develop the said premises by
amalgamating the adjacent plot of land if required and availability of the same and to
construct a Multi Storied Building thereon in the manner and in terms of conditions of this
agreement and according to Plan to be sanctioned by the Titagarh Municipality and further
allowing and empowering the Developer to enter into agreement for sale and receive earnest
money and full consideration moneys from the intending buyers and upon receiving full
consideration to sell and transfer the flats of the said proposed Building from the Developer
Allocation to be constructed over the below schedule property together with proportionate
share of land to the intending purchaser/s. That, the Owners will get their share of the
Proposed Multi-storied Building to be sanctioned by the Titagarh Municipality in respect of
proportionate share of the schedule property only of the Owners and which will be provided
by the Developer herein to the landowners as per following manner-

That the Landowners will get-

1) 04 (Four) Nos. residential flat each of which measuring 500 St. covered area, out of which
One Flat at 4th floor facing to South, Two Nos. Flat at 3rd Floor facing to South and one Flat
at Ground Floor Back Side, over the Schedule Property.

Rest of the portions will be considered as Developers Allocation.

Agreement for Sale:

Page 5 of 54
Continued on next page...
Agreement for Sale executed in 2025, Sri Manoj Kumar Das, Smt. Madhavi Saha and Manashi
Modak represented by their constituent Attorney Holder Ganapati Enterprise represented by
its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw as owner
/Vendor of the First Part, and Ganapati Enterprise represented by its partners Sri. Pappu Rajak,
Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw as Developer/Confirming Party of the Second
Part agreed to Sale, transferred, convey or ALL THAT one residential Flat No. '2/A' in the
Second Floor measuring Carpet area 447 Sq.ft. and super built up area measuring 760 Sq.ft a
little more or Less consisting of 02 Bed room, Kitchen, Dining cum Dining Room Toilet,
Balcony of the said Multi Storied Building (G+4) constructed on the Land and Premises
together with undivided impartible proportionate share or interest in ALL THAT piece and
parcel of "BASTU" land admeasuring 05 decimals equivalent to land measuring 3 (three)
Cottahs 0 (Zero) Chhittaks, 18(Eighteen) St. a little more or less, along with 100 sq.ft. R.T.
Shed covered area in ground floor situated at Mouza Khardah, J.L. No. 2, Re. Su. No. 18, Touzi
no 145. 218, 2998, R.S. Khatian No. 561, R.S. Dag No.3161, (land measuring 0157 Acre) and
R.S. Khatian no. 1409, R.S. Dag No. -3160, (land measuring 0343 Acre) as per English
measurement land measuring 05 Acre. L.R. Dag No. 1214, L.R. Khatian No. 1788, 3242,
4012,4103 within the limits of Titagarh Municipality, being Holding No. 43, Natun Pally, P.O.
Titagarh, P.S. Khardah, Dist. North 24-Parganas, Kolkata-700119 (hereinafter referred to as
the said Property), unto and in favour of Mr. Jagjit Singh Sangar & Mrs. Tina Singh Sangar as
Purchasers of the Third Part.

Part 5
Evidence of Title of Property
1. Copy Of Sale Deed dated 27-07-1970 Deed of Sale executed dated 27.07.1970, made
between RAM TAHOL CHAMAR (vendor) and Madan Chandra Das (vendee) registered in the
office of the S.R.O. Barrackpore and recorded in being No. 5258 for the year 1970.

2. Copy Of Development Agreement Deed of Development Agreement executed dated

10.11.2022, made between Smt. Manju Das, Manoj Kumar Das, Madhabi Saha and Manashi
Modak (Land Lords) and Ganapati Enterprise represented by its partners Sri. Pappu Rajak, Sri
Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Developer) registered in the office of the ADSR
Sodepur and recorded in Book No. 1, Volume No. 1524-2022, Pages from 332073 to 332112,
being No. I-152410234 for the year 2022.

3. Copy Of Agreement For Sale Cum Power Of Attorney dated 18-11-2022 Deed of
Development Power of Attorney after Registered Development Agreement executed dated
18.11.2022, made between Smt. Manju Das, Manoj Kumar Das, Madhabi Saha and Manashi
Modak (Principles) and M/S. Ganapati Enterprise represented by its partners Sri. Pappu Rajak,
Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder) registered in the office of
the ADSR Sodepur and recorded in Book No. 1, Volume No. 1524-2022, Pages from 332656
to 332681, being No. I-152410356 for the year 2022.

4. Copy Of Development Agreement dated 08-04-2025 Deed of Development Agreement

executed dated 08.04.2025, made between Manoj Kumar Das, Madhabi Saha and Manashi
Modak (Land Lords) and Ganapati Enterprise represented by its partners Sri. Pappu Rajak, Sri
Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Developer) registered in the office of the ADSR
Page 6 of 54
Continued on next page...
Sodepur and recorded in Book No. 1, Volume No. 1524-2025, Pages from 73921 to 73953,
being No. I-152402521 for the year 2025.

5. Copy Of Agreement For Sale Cum Power Of Attorney Deed of Development Power of
Attorney after Registered Development Agreement executed dated 08.04.2025, made
between Manoj Kumar Das, Madhabi Saha and Manashi Modak (Principles) and M/S. Ganapati
Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay
Kumar Shaw (Attorney Holder) registered in the office of the ADSR Sodepur and recorded in
Book No. 1, Volume No. 1524-2025, Pages from 73902 to 73920, being No. I-152402524 for
the year 2025.

Part 6
Other Provisions
6.01 Whether provisions of Urban Land Ceiling Act are applicable? No
6.02 Whether property to be given as security is subject to any minor's claim/share? No
6.03 Whether the property is affected by any revenue and tenancy regulations? No
6.04 Whether Builder is a Private/Limited Company? No
6.05 Whether up to date tax/Land Revenue has been paid on the property? No
6.06 Whether all original documents for last 13/ 30 years (as per the company
policy) have been scrutinized? Yes
6.07 Whether required documents are available for creating mortgage? Yes
6.08 Whether all previous owners had the right/competency to transfer the property? Yes
6.09 Whether the property is affected by any revenue and tenancy regulations? No
6.10 Whether the property has been transferred /to be transferred by a POA holder
of the original land owner in favor of the loan Applicant? Yes
6.11 Whether POA holder of original land owner has/had authority under POA? Yes
6.12 Whether the said POA as recorded in 6.11 is registered? Yes
6.13 What is the tenure of land (in years) if it leased? 0
6.14 Whether the land is Adivasi (Tribal) Land? No
6.15 Whether the land/property is joint family property? No
6.16 Is the land/property/flat is subject to any reservations/acquisitions
/requisitions? No
6.17 Whether Search Report is obtained and submitted? Yes
Search Conducted On17-06-2025 for13 years by Advocate Pranayan Chandra

6.18 Whether EC is obtained where applicable? No

Part 7
Certificate

In view of the foregoing, I/We certify that the title deeds intended to be deposited, relating to
the property and offered as security by way of equitable mortgage and the documents of title
referred to above are perfect evidence of the title and that if the said equitable mortgage is
created in the manner required by law, it would satisfy the requirements of creation of
equitable mortgage.

Page 7 of 54
Continued on next page...
I/We further certify that Sri Manoj Kumar Das, Smt. Madhavi Saha and Manashi Modak would
derive a valid, clear, marketable and unencumbered title in the property stated above and
competent to create the mortgage in favour of the Piramal Finance Ltd., free from all
encumbrances. The mortgage if created will be available to PCHFL for the liability of the
intending Borrower Jagjit Singh Sangar & Tina Singh Sangar.

We further certify that the subject property is enforceable under SARFAESI Act 2002 by the
Lender

Part 8
Documents during Disbursement
1. Original of Agreement to Sale Original rectified Agreement for Sale , between Sri Manoj
Kumar Das, Smt. Madhavi Saha and Manashi Modak represented by their constituent Attorney
Holder Ganapati Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw
& Sri. Sanjay Kumar Shaw as owner/Vendor of the First Part, and Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw.
and Mr. Jagjit Singh Sangar & Mrs. Tina Singh Sangar as Purchasers

2. Copy of Photocopy of property documents Photocopy of Part -II should be collected

3. Original of Vetting Report All project documents to be originally seen and verified and
Vetting Report to be obtained from Panel Advocate

4. Copy of Draft Sale Deed or Allotment Letter Copy of Draft Sale Deed with site plan/floor
plan duly delineating the subject property in favour of the Borrower to be obtained and the
same shall be duly vetted by the panel advocate prior to registration

Part 9
Documents post Disbursement
1. Original of Registration Receipt 1. IGR (Registration Receipt) in original duly signed by the
presenter on the reverse which should not be kept pending for any additional stamp duty
assessed by the Registrar.

2. Original of Possession Letter 2. Possession Letter from the Seller.

3. Original of Margin Money Receipt 3. Margin Money receipt issued by the seller.

4. Original of Sale Deed 1 Deed of Sale made between Sri Manoj Kumar Das, Smt. Madhavi
Saha and Manashi Modak represented by their constituent Attorney Holder Ganapati
Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay
Kumar Shaw as owner/Vendor of the First Part, and Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw as Developer
/Confirming Party of the Second Part and Mr. Jagjit Singh Sangar & Mrs. Tina Singh Sangar .

Part 10
Page 8 of 54
Continued on next page...
Conclusion
1. Is the title flow Clear and Marketable? Yes
Remarks:
NA
2. Is the property free from any kind of Charge/Encumberance? Yes
Remarks:
NA
3 Whether the user land has been converted into Non-Agricultural for
. Residential use by the order of the competent Authority? Yes
Remarks:
NA
4. Whether Mutation Entries are available? Yes
Remarks:
NA
5. Are the 13 year title flow document available? Yes
Remarks:
NA
6 We further certify that the subject property is enforceable under SARFAESI
. Act 2002 by the Lender. Yes
Remarks:
NA

Page 9 of 54
Continued on next page...
 LEGAL SCRUTINY REPORT
Date: 17.06.2025

To
Piramal Finance Limited
Barasat Branch

Dear Sir/Madam,

Sub: Legal Scrutiny Report in respect of the loan application of Jagjit Singh Sangar
as desired by you vide the above referred letter, I/we are furnishing hereunder the legal
scrutiny report in respect of the property (described in part I hereto)

PART I:

1) Name of the Borrower & Co-Borrower: Jagjit Singh Sangar & Tina Singh Sangar.

2) Description/ Address of the Property:

ALL THAT one residential Flat No. '2/A' in the Second Floor measuring Carpet area 447 Sq.ft.
and super built up area measuring 760 Sq.ft a little more or Less consisting of 02 Bed room,
Kitchen, Dining cum Dining Room Toilet, Balcony of the said Multi Storied Building (G+4)
constructed on the Land and Premises together with undivided impartible proportionate
share or interest in ALL THAT piece and parcel of "BASTU" land admeasuring 05 decimals
equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen) St. a little
more or less, along with 100 sq.ft. R.T. Shed covered area in ground floor situated at Mouza
Khardah, J.L. No. 2, Re. Su. No. 18, Touzi no 145. 218, 2998, R.S. Khatian No. 561, R.S. Dag
No.3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag No. -3160, (land
measuring 0343 Acre) as per English measurement land measuring 05 Acre. L.R. Dag No.
1214, L.R. Khatian No. 1788, 3242, 4012,4103 within the limits of Titagarh Municipality,
being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist. North 24-Parganas,
Kolkata-700119:

butted and bounded as under -

ON THE NORTH BY: By Land of others;

ON THE SOUTH BY: By Land of R.S. Dag No. 3161;

Page 1 of 22
Page 10 of 54
l Continued on next page...
 ON THE EAST BY: By 8 feet wide Common Passage;

ON THE WEST BY: By Land of R.S. Dag No. 3160,3161;

3) Name of Current Owners(s): Sri Manoj Kumar Das, Smt. Madhavi Saha and
Manashi Modak.

4) Nature / Status of Property

Freehold

5) Permitted land usage as per the documents

Builder Purchase

6) Purpose of loan and Type of Transaction: Residential

7) Lead ID: HLSA000DFBB0

PART II List of Documents submitted before me/us for Scrutiny

Sl. No. Description

1 Photocopy of Deed of Sale executed dated 27.07.1970, made between RAM
TAHOL CHAMAR (vendor) and Madan Chandra Das (vendee).

The said Deed was duly registered in the office of the S.R.O. Barrackpore and
recorded in being No. 5258 for the year 1970.

(Chain Deed – 1)

2 Photocopy of Legal Heir Certificate executed before the Ld. 1 st Class Judicial
Magistrate at Barrackpore dated 24.04.2025 certifying that certifying that
Madan Chandra Das died intestate on 30.12.2000 and his wife Manju Das died
intestate on 24.03.2025 leaving behind their one son Manoj Kumar Das and two
daughters Madhabi Saha and Manashi Modak as their only legal heirs and
successors.

3 Photocopy of Deed of Development Agreement executed dated 10.11.2022, made

between Smt. Manju Das, Manoj Kumar Das, Madhabi Saha and Manashi
Page 2 of 22
Page 11 of 54
l Continued on next page...
 Modak (Land Lords) and Ganapati Enterprise represented by its partners
Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw
(Developer).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2022, Pages from 332073 to
332112, being No. I-152410234 for the year 2022.

(Chain Deed – 3)
4 Photocopy of Deed of Development Power of Attorney after Registered Development
Agreement executed dated 18.11.2022, made between Smt. Manju Das, Manoj
Kumar Das, Madhabi Saha and Manashi Modak (Principles) and M/S.
Ganapati Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay
Kumar Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2022, Pages from 332656 to
332681, being No. I-152410356 for the year 2022.

(Chain Deed – 4)
5 Photocopy of Deed of Development Agreement executed dated 08.04.2025, made
between Manoj Kumar Das, Madhabi Saha and Manashi Modak (Land Lords)
and Ganapati Enterprise represented by its partners Sri. Pappu Rajak, Sri
Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Developer).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2025, Pages from 73921 to 73953,
being No. I-152402521 for the year 2025.

(Chain Deed – 5)

6 Photocopy of Deed of Development Power of Attorney after Registered Development

Agreement executed dated 08.04.2025, made between Manoj Kumar Das,
Madhabi Saha and Manashi Modak (Principles) and M/S. Ganapati
Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar
Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2025, Pages from 73902 to 73920,
Page 3 of 22
Page 12 of 54
l Continued on next page...
 being No. I-152402524 for the year 2025.

(Chain Deed – 6)
7 Photocopy of Mutation Certificate issued by Titagarh Municipality dated
08.06.2021in the name of Smt. Manju Das, Manoj Kumar Das, Madhabi Saha
and Manashi Modak.

8 Photocopy of Property Tax receipt in the name of Smt. Manju Das, Manoj
Kumar Das, Madhabi Saha and Manashi Modak dated 24.02.2025 issued by
Titagarh Municipality.

9 Photocopy of Building Sanction Plan in respect of the said building.

10 Photocopy of Parcha dated 28.04.2025 in the name of Manoj Kumar Das.

11 Photocopy of Khazna dated 11.06.2025 in the name of and paid by Manoj

Kumar Das.

12 Photocopy of Parcha (Online Dager Tathya) dated 17.06.2025 in the name of

Madan Chandra Das.

13 Photocopy of Khazna dated 21.02.2025 in the name of and paid by Madan

Chandra Das.

14 Photocopy of Application for Mutation dated 18.05.2025 in the name of

Madhabi Saha.

15 Photocopy of Agreement for Sale executed in 2025, between Manju Das, Sri
Manoj Kumar Das, Smt. Madhavi Saha and Manashi Modak represented
by their constituent Attorney Holder Ganapati Enterprise represented by
its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar
Shaw as owner/Vendor of the First Part, and Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri.
Sanjay Kumar Shaw as Developer/Confirming Party of the Second Part and
Mr. Jagjit Singh Sangar & Mrs. Tina Singh Sangar as Purchasers of the Third
Part.

Page 4 of 22
Page 13 of 54
l Continued on next page...
 PART III FLOW OF TITLE OF PROPERTY - (HISTORY OF TITLE)

Ownership of Sri Manoj Kumar Das, Smt. Madhavi Saha and Manashi Modak:

WHEREAS by an Indenture of sale Deed dated 27th day of July, 1970, RAM TAHOL
CHAMAR, son of Late Ghate Chamar, being the then owner sold, transferred, conveyed a
piece or parcel of land admeasuring an area of 3 cottah 0 chittak 18 Sft. to Sri Madan
Chandra Das, son of Late Ramlal Das (now deceased) by virtue of a registered sale Deed
being Deed no 5258 for the year 1970, which was registered before the S.R. office at
Barrackpore, situated under Mouza- Khardah, J.L. no. 2, Re. Su. no. 18, Touzi no 145, 218,
2998, R.S. Khatian no. 561, R.S. Dag no 3161, (land measuring 0157 Acre) and R.S. Khatian
no. 1409, R.S. Dag no 3160, as per English measurement land measuring 05 Acre. within the
limits of Titagarh Municipality and after purchasing the said land, Madan Chandra Das duly
mutated his name in the records of Titagarh Municipality and erect kuchha and Pucca house
thereon and paid rent and taxes regularly before the concern B.L.& L.R.O. and Titagarh
Municipality thereof.

AND WHEREAS said Madan Chandra Das during his peaceful possession and enjoyment
of the above said property died intestate on 30/12/2000 leaving behind him surviving his
wife Smt. Manju Das, one son Manoj Kumar Das and two daughters Madhabi Saha (Das)
and Manashi Modak (Das) as his only legal heirs to inherit his aforesaid and schedule
mentioned property.

AND WHEREAS thereafter said legal heirs of Madan Chandra Das, i.e., Smt. Manju Das,
one son Manoj Kumar Das and two daughters Madhabi Saha (Das) and Manashi Modak
(Das) became the joint owners of the aforesaid total property admeasuring an area of 3
cottah 0 chittak 18 Sft. of land with kutcha and pucca structure thereon, situated at Mouza-
Khardah, J.L. no. 2, Re. Su. no. 18, Touzi no 145, 218, 2998, R.S. Khatian no. 561, R.S. Dag
no 3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag no 3160, (land
measuring 0343 Acre) as per English measurement land measuring 05 Acre. within the limits
of Titagarh Municipality, being Holding No. 31. Natun Pally, P.O. Titagarh, P.S. Khardah, Dist.
North 24-Parganas, Kolkata-700119 and in which each of having undivided 1/4th share of
the same and thereafter all the landowners duly mutated their names in the records of
Titagarh Municipality and they have been in peaceful possession of the total property under
ward no- 17 of Titagarh Municipality having valid, clear right and marketable title of the
same.

AND WHEREAS while thus seized and possessed the above said property the Landowner
herein desire to construct a multi-storied building consisting several Flats and Shop Rooms
Garage over the aforesaid land, which is more fully and particularly described in the
Schedule A below after demolishing the existing structure and for the said purpose of

Page 5 of 22
Page 14 of 54
l Continued on next page...
 construction of a Multi storied building the aforesaid Owner searching for a reputed
Promoter/Developer who would construct multi-storied building on the said land under
certain terms and conditions inter alia at its own costs and expenses after obtaining
necessary sanction plan from the competent authority and the very intention of the Owner
to allow them to construct the said proposed multi-storied building on their property.

AND WHEREAS the Land Owner have shown their intention to the present Developer herein
i.e. GANAPATI ENTERPRISE for developing the said property by way of constructing a multi-
storied building and the Developers herein accepted the same and expressed their
eagerness to take charge of such proposal of construction over the said property.
AND WHEREAS the land owner have agreed to authorize the aforesaid Developer, namely,
GANAPATI ENTERPRISE, to construct a Multi-storied Building over the said property
according to the Building Plan to be approved by the Titagarh Municipality as specification
with floors, plans, elevation, sections made in compliance with the statutory requirements
in the said property at the cost of the Developer and accordingly the Land Owners entered
into a Development agreement with Developer GANAPATI ENTERPRISE for developing the
aforesaid plot by constructing a Multi-storied building over the said land, admeasuring 05
decimals equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen)
Sqft, a little more or less, alongwith 100 sft. R.T. Shed covered area situated within the limits
of Titagarh Municipality, being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist.
North 24-Parganas, Kolkata-700119 vide Development Agreement being No. I-1524 10234
for the year 2022, which was duly registered at A.D.S.R. Office at Sodepur and recorded
there in Book No. 1, Volume No. 1524-2022, Pages from 332073 to 332112 and they also
executed a Development Power of Attorney vide Development Power of Attorney being
No. 1-1524 10356 for the year 2022, registered at A.D.B.R. Office at Sodepur and
recorded there in Book No. 1, Volume No. 1524-2022, Pages from 332656 to 332681 in
favour GANAPATI ENTERPRISE to that effect.

AND WHEREAS in terms of the said Development Agreement executed in between Land
owner and Developer, the Developer/ Second Party herein duly submitted a Building Plan
before the Titagarh Municipality at their own cost and expenses and obtained a sanctioned
Plan of (0+4) storied building from the Titagarh Municipality.

AND WHEREAS after the executing of the Development Agreement with the landowners
and thereafter getting the sanctioned building plan from the Titagarh Municipality started
construction of the building over the schedule property by the fund of the Developer

AND WHEREAS during the period of construction of the multi-storied building said land
owner Smt. Anju Das suddenly died on 24/03/2025 leaving behind him surviving her son Sri
Manoj Kumar Das, and two married daughter Smt. Madhavi Saha, and Manashi Modak
as her only legal heirs to inherit her undivided 1/4th share of the total property.

Page 6 of 22
Page 15 of 54
l Continued on next page...
 AND WHEREAS thereafter on due negotiation with the present landowners and to regularize
the process of Construction of Building, execution of the Sale Agreement, and registration
of the Agreement and Deed of Conveyance it was necessary to execute one new
Development Agreement and considering the same the landowner on the area of land they
inherited from the ownership of their mother. Therefore they, have agreed to execute a
Development Agreement with the Developer namely, GANAPATI ENTERPRISE, a
Partnership Firm for the purpose of continuation of the Development of Multi-storied
Building over their property according to the Building Plan approved by the Titagarh
Municipality at the cost of the Developer considering the previous terms and conditions and
landowner Allocation mentioned in the said previous Registered Development Agreement
and the details of the terms and conditions stipulated herein under. There for the said land
owners and developers had executed a Development Agreement vide Development
Agreement being No. I-1524 02521 for the year 2025, which was duly registered at
A.D.S.R. Office at Sodepur and recorded there in Book No. 1, Volume No. 1524-2025,
Pages from 73921 to 73953 and they also executed a Development Power of Attorney
vide Development Power of Attorney being No. 1-1524 02524 for the year 2025,
registered at A.D.B.R. Office at Sodepur and recorded there in Book No. 1, Volume No.
1524-2025, Pages from 73902 to 73920 in favour GANAPATI ENTERPRISE to that effect.

AND WHERAS as per the said Development Agreements In consideration of the Owner's
permission and/or allowing the Developer herein to develop the said premises by
amalgamating the adjacent plot of land if required and availability of the same and to
construct a Multi Storied Building thereon in the manner and in terms of conditions of this
agreement and according to Plan to be sanctioned by the Titagarh Municipality and further
allowing and empowering the Developer to enter into agreement for sale and receive
earnest money and full consideration moneys from the intending buyers and upon receiving
full consideration to sell and transfer the flats of the said proposed Building from the
Developer Allocation to be constructed over the below schedule property together with
proportionate share of land to the intending purchaser/s. That, the Owners will get their
share of the Proposed Multi-storied Building to be sanctioned by the Titagarh Municipality
in respect of proportionate share of the schedule property only of the Owners and which will
be provided by the Developer herein to the landowners as per following manner-

That the Landowners will get-

1) 04 (Four) Nos. residential flat each of which measuring 500 St. covered area, out of
which One Flat at 4th floor facing to South, Two Nos. Flat at 3rd Floor facing to South
and one Flat at Ground Floor Back Side, over the Schedule Property.

Rest of the portions will be considered as Developers Allocation.

Page 7 of 22
Page 16 of 54
l Continued on next page...
 Agreement for Sale:

Agreement for Sale executed in 2025, Sri Manoj Kumar Das, Smt. Madhavi Saha and
Manashi Modak represented by their constituent Attorney Holder Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar
Shaw as owner/Vendor of the First Part, and Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw as
Developer/Confirming Party of the Second Part agreed to Sale, transferred, convey or ALL
THAT one residential Flat No. '2/A' in the Second Floor measuring Carpet area 447 Sq.ft.
and super built up area measuring 760 Sq.ft a little more or Less consisting of 02 Bed room,
Kitchen, Dining cum Dining Room Toilet, Balcony of the said Multi Storied Building (G+4)
constructed on the Land and Premises together with undivided impartible proportionate
share or interest in ALL THAT piece and parcel of "BASTU" land admeasuring 05 decimals
equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen) St. a little
more or less, along with 100 sq.ft. R.T. Shed covered area in ground floor situated at Mouza
Khardah, J.L. No. 2, Re. Su. No. 18, Touzi no 145. 218, 2998, R.S. Khatian No. 561, R.S. Dag
No.3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag No. -3160, (land
measuring 0343 Acre) as per English measurement land measuring 05 Acre. L.R. Dag No.
1214, L.R. Khatian No. 1788, 3242, 4012,4103 within the limits of Titagarh Municipality,
being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist. North 24-Parganas,
Kolkata-700119 (hereinafter referred to as the said Property), unto and in favour of Mr.
Jagjit Singh Sangar & Mrs. Tina Singh Sangar as Purchasers of the Third Part.

PART IV EVIDENCE OF TITLE OF PROPERTY

Deed of Sale executed dated 27.07.1970, made between RAM TAHOL CHAMAR (vendor)
and Madan Chandra Das (vendee) registered in the office of the S.R.O. Barrackpore and
recorded in being No. 5258 for the year 1970.
&

Deed of Development Agreement executed dated 10.11.2022, made between Smt. Manju
Das, Manoj Kumar Das, Madhabi Saha and Manashi Modak (Land Lords) and Ganapati
Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay
Kumar Shaw (Developer) registered in the office of the ADSR Sodepur and recorded in Book
No. 1, Volume No. 1524-2022, Pages from 332073 to 332112, being No. I-152410234 for the
year 2022.
&

Deed of Development Power of Attorney after Registered Development Agreement

Page 8 of 22
Page 17 of 54
l Continued on next page...
 executed dated 18.11.2022, made between Smt. Manju Das, Manoj Kumar Das, Madhabi
Saha and Manashi Modak (Principles) and M/S. Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder)
registered in the office of the ADSR Sodepur and recorded in Book No. 1, Volume No. 1524-
2022, Pages from 332656 to 332681, being No. I-152410356 for the year 2022.
&

Deed of Development Agreement executed dated 08.04.2025, made between Manoj Kumar
Das, Madhabi Saha and Manashi Modak (Land Lords) and Ganapati Enterprise represented
by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Developer)
registered in the office of the ADSR Sodepur and recorded in Book No. 1, Volume No. 1524-
2025, Pages from 73921 to 73953, being No. I-152402521 for the year 2025.
&

Deed of Development Power of Attorney after Registered Development Agreement

executed dated 08.04.2025, made between Manoj Kumar Das, Madhabi Saha and Manashi
Modak (Principles) and M/S. Ganapati Enterprise represented by its partners Sri. Pappu
Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder) registered in the
office of the ADSR Sodepur and recorded in Book No. 1, Volume No. 1524-2025, Pages from
73902 to 73920, being No. I-152402524 for the year 2025.

PART V OTHER PROVISIONS:

5.1. Whether provisions of Urban Land Ceiling Act are applicable?

NO

5.2. Whether property to be given as security is subject to any minor's claim/share?

NO

5.3 Whether the property is affected by any revenue and tenancy regulations?

NO

5.4. Whether the user land has been converted into Non-Agricultural for Residential use
by the order of the competent Authority?
Page 9 of 22
Page 18 of 54
l Continued on next page...
 YES (Not needed)

5.5. Whether up to date tax/Land Revenue has been paid on the property.

NO

5.6. Whether all original documents for last 13 years have been scrutinized?

YES

5.7. Whether required documents are available for creating mortgage?

YES

5.8. Whether all previous owners had the right/competency to transfer the property?

YES

5.9. Whether proposed mortgage by deposit of title deeds is possible?

YES

5.10. Whether the property has been transferred /to be transferred by a POA holder of the
original land owner in favor of the loan Applicant?

YES

5.11. Whether POA holder of original land owner has/had authority under POA.

YES

5.12. Whether the said POA as recorded in 5.11 is registered?

YES

5.13. What is the tenure of the land if it leased?

NA

5.14. Whether the land is Adivasi (Tribal) Land?

Page 10 of 22
Page 19 of 54
l Continued on next page...
 NO

5.15. Whether the land/property is joint family property?

NO

5.16. Is the land/property/flat is subject to any reservations/acquisitions/requisitions?

NO

5.17. Whether Search Report is obtained and submitted? – YES

Search Report Details – No adverse entry found.

Search Conducted Years 13.00

Name of the Advocate – Pranayan Chandra

Search Report Date – 17/06/2025

5.18. Whether EC is obtained? Where applicable EC Details – NA

No. of Years EC Obtained 0.00

Any Encumbrance to Specify

EC Applied by

5.19. Whether Builder is a Private/Limited Company? NA

ROC Search Report Submitted/Carried Out - NA

Any Charge/Mortgage is created on the project/Property/Flat/Apartment – NA

If Mortgage/Charged, Name of the Bank/FI - NA

Whether NOC/Release Letter Obtained or Not - NA

Page 11 of 22
Page 20 of 54
l Continued on next page...
 PART VI: CERTIFICATE: -

In view of the foregoing, I/We certify that the title deeds intended to be deposited, relating
to the property and offered as security by way of equitable mortgage and the documents
of title referred to above are perfect evidence of the title and that if the said equitable
mortgage is created in the manner required by law, it would satisfy the requirements of
creation of equitable mortgage.

I/We further certify that Sri Manoj Kumar Das, Smt. Madhavi Saha and Manashi Modak
would derive a valid, clear, marketable and unencumbered title in the property stated
above and competent to create the mortgage in favour of the Piramal Finance Ltd., free
from all encumbrances. The mortgage if created will be available to PCHFL for the
liability of the intending Borrower Jagjit Singh Sangar & Tina Singh Sangar.

We further certify that the subject property is enforceable under SARFAESI Act 2002 by the
Lender

11. Steps/Documents required for creation of equitable mortgage:

I. DOCUMENTS TO BE COLLECTED BY PIRAMAL FINANCE LIMITED FOR CREATION OF

EQUITABLE MORTGAGE OF THE SAID PROPERTY PRIOR TO THE DISBURSEMENT.
Critical documents – documents which are “must to have” for creation of

equitable mortgage:

Sl. No. Description

1 Photocopy along with original verification of Deed of Sale executed dated
27.07.1970, made between RAM TAHOL CHAMAR (vendor) and Madan
Chandra Das (vendee).

The said Deed was duly registered in the office of the S.R.O. Barrackpore and
recorded in being No. 5258 for the year 1970.

(Chain Deed – 1)

2 Photocopy of Legal Heir Certificate executed before the Ld. 1 st Class Judicial
Magistrate at Barrackpore dated 24.04.2025 certifying that certifying that
Madan Chandra Das died intestate on 30.12.2000 and his wife Manju Das died
intestate on 24.03.2025 leaving behind their one son Manoj Kumar Das and two
Page 12 of 22
Page 21 of 54
l Continued on next page...
 daughters Madhabi Saha and Manashi Modak as their only legal heirs and
successors.

3 Photocopy along with original verification of Deed of Development Agreement

executed dated 10.11.2022, made between Smt. Manju Das, Manoj Kumar Das,
Madhabi Saha and Manashi Modak (Land Lords) and Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri.
Sanjay Kumar Shaw (Developer).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2022, Pages from 332073 to
332112, being No. I-152410234 for the year 2022.

(Chain Deed – 3)

4 Photocopy along with original verification of Deed of Development Power of

Attorney after Registered Development Agreement executed dated 18.11.2022, made
between Smt. Manju Das, Manoj Kumar Das, Madhabi Saha and Manashi
Modak (Principles) and M/S. Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw
(Attorney Holder).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2022, Pages from 332656 to
332681, being No. I-152410356 for the year 2022.

(Chain Deed – 4)
5 Photocopy along with original verification of Deed of Development Agreement
executed dated 08.04.2025, made between Manoj Kumar Das, Madhabi Saha
and Manashi Modak (Land Lords) and Ganapati Enterprise represented by
its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar
Shaw (Developer).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2025, Pages from 73921 to 73953,
being No. I-152402521 for the year 2025.

(Chain Deed – 5)

Page 13 of 22
Page 22 of 54
l Continued on next page...
 6 Photocopy along with original verification of Deed of Development Power of
Attorney after Registered Development Agreement executed dated 08.04.2025, made
between Manoj Kumar Das, Madhabi Saha and Manashi Modak (Principles)
and M/S. Ganapati Enterprise represented by its partners Sri. Pappu
Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2025, Pages from 73902 to 73920,
being No. I-152402524 for the year 2025.

(Chain Deed – 6)
7 Photocopy of Mutation Certificate issued by Titagarh Municipality dated
08.06.2021in the name of Smt. Manju Das, Manoj Kumar Das, Madhabi Saha
and Manashi Modak.

8 Photocopy along with original verification of Property Tax receipt in the name
of Smt. Manju Das, Manoj Kumar Das, Madhabi Saha and Manashi Modak
dated 24.02.2025 issued by Titagarh Municipality.

9 Photocopy of Building Sanction Plan in respect of the said building.

10 Photocopy of Parcha dated 28.04.2025 in the name of Manoj Kumar Das.

11 Photocopy of Khazna dated 11.06.2025 in the name of and paid by Manoj

Kumar Das.

12 Photocopy of Parcha (Online Dager Tathya) dated 17.06.2025 in the name of

Madan Chandra Das.

13 Photocopy of Khazna dated 21.02.2025 in the name of and paid by Madan

Chandra Das.

14 Photocopy of Application for Mutation dated 18.05.2025 in the name of

Madhabi Saha.

15 Photocopy of Parcha in the name of Smt. Madhavi Saha and Manashi

Modak.

Page 14 of 22
Page 23 of 54
l Continued on next page...
 16 Photocopy of Khazna in the name of Smt. Madhavi Saha and Manashi
Modak.

17 Original rectified Agreement for Sale executed in 2025, between Sri Manoj
Kumar Das, Smt. Madhavi Saha and Manashi Modak represented by their
constituent Attorney Holder Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar
Shaw as owner/Vendor of the First Part, and Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri.
Sanjay Kumar Shaw as Developer/Confirming Party of the Second Part and
Mr. Jagjit Singh Sangar & Mrs. Tina Singh Sangar as Purchasers of the Third
Part.

Remarks: the name of Manju Das to be excluded from the name of owners as
she has already died.

II. Documents to be collected by Piramal Finance Limited at the time of Delivery of Pay
Order(s)/Demand Draft(s) to the Developer / Builder:
Critical documents – documents which are “must to have” for creation of equitable mortgage:

1. IGR (Registration Receipt) in original duly signed by the presenter on the reverse
which should not be kept pending for any additional stamp duty assessed by
the Registrar.
2. Possession Letter from the Seller.
3. Margin Money receipt issued by the seller.
The above documents are required before disbursement of the loan for creating
valid mortgage.
III. DOCUMENTS TO BE COLLECTED BY PIRAMAL FINANCE LIMITED FOR CREATION OF
EQUITABLE MORTGAGE OF THE SAID PROPERTY POST DISBURSEMENT.
1. Original Deed of Sale made between Sri Manoj Kumar Das, Smt. Madhavi Saha and
Manashi Modak represented by their constituent Attorney Holder Ganapati
Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw &
Sri. Sanjay Kumar Shaw as owner/Vendor of the First Part, and Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay
Kumar Shaw as Developer/Confirming Party of the Second Part and Mr. Jagjit Singh
Sangar & Mrs. Tina Singh Sangar as Purchasers of the Third Part.

Page 15 of 22
Page 24 of 54
l Continued on next page...
 Remarks: -

I. Certification and conclusion given in this opinion are as per your prescribed format

II. We have given our opinion on perusal of the copies of the documents and the originals
were not examined and have derived the chain of title on the basis of the documents
submitted and the representations made therein.

III. All original title related documents including KYC of present owner(s) and/or borrower
should be verified before disbursement.

IV. We have not examined whether there is any litigation or dispute or acquisition with
respect to the subject property to be mortgaged as it is out of the scope of our work.

V. It is advised to check any kind of registered encumbrances with respect to the subject
property between the period of opinion date and date of remittance from your end.

VI. It is advised to check and verify that there is no tenant on the subject property and the
same is in the possession of the present owner.

VII. Draft Deed should be Vetted by the panel Advocate.

VIII. Appropriate Deed of Conveyance should be registered in favour of the applicant and
draft of which shall require examination and obtain the IGR in original duty signed by
the presenter on the reverse which should not be kept pending for payment of any
additional stamp duty assessed by the Registrar wherein
specification/location/orientation of the Flat should be mentioned.

IX. Please note that we are neither handwritten experts nor experts at detecting fraudulent
documents as submitted. Hence, we shall not be responsible in this regard. We are
submitting this encumbrance certificate/title report on inspection of Index records as
being made available at the official website of Govt. of West Bengal i.e.
www.wbregistration.gov.in.

Page 16 of 22
Page 25 of 54
l Continued on next page...
 SEARCH REPORT

Dated: 17.06.2025

To,
Piramal Finance Ltd.,
Barasat Branch.

Name of Borrower & Co-Borrowers:

Jagjit Singh Sangar (Borrower)

Tina Singh Sangar (Co-Borrower)

Lead ID: HLSA000DFBB0

Ref: Legal Scrutiny Report (LSR) dated 17.06.2025 issued by me.

Description of the Property:

ALL THAT one residential Flat No. '2/A' in the Second Floor measuring Carpet area 447 Sq.ft.
and super built up area measuring 760 Sq.ft a little more or Less consisting of 02 Bed room,
Kitchen, Dining cum Dining Room Toilet, Balcony of the said Multi Storied Building (G+4)
constructed on the Land and Premises together with undivided impartible proportionate
share or interest in ALL THAT piece and parcel of "BASTU" land admeasuring 05 decimals
equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen) St. a little
more or less, along with 100 sq.ft. R.T. Shed covered area in ground floor situated at Mouza
Khardah, J.L. No. 2, Re. Su. No. 18, Touzi no 145. 218, 2998, R.S. Khatian No. 561, R.S. Dag
No.3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag No. -3160, (land
measuring 0343 Acre) as per English measurement land measuring 05 Acre. L.R. Dag No.
1214, L.R. Khatian No. 1788, 3242, 4012,4103 within the limits of Titagarh Municipality,
being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist. North 24-Parganas,
Kolkata-700119:

Page 17 of 22
Page 26 of 54
l Continued on next page...
 butted and bounded as under -

ON THE NORTH BY: By Land of others;

ON THE SOUTH BY: By Land of R.S. Dag No. 3161;

ON THE EAST BY: By 8 feet wide Common Passage;

ON THE WEST BY: By Land of R.S. Dag No. 3160,3161;

Current Owner/s of the Property: Sri Manoj Kumar Das, Smt. Madhavi Saha and
Manashi Modak.

Details of the Searches conducted & NEC/EC retrieved/perused:

Necessary searches were conducted in official website of West Bengal Registry office i.e.
wbregistration.gov.in for the period from 2010 - 2025 and as per the same, no adverse entry
was found.

History of the Devolution of Title based on the documents submitted, searches

conducted and on perusal of the NEC/EC:

Ownership of Sri Manoj Kumar Das, Smt. Madhavi Saha and Manashi Modak:

WHEREAS by an Indenture of sale Deed dated 27th day of July, 1970, RAM TAHOL
CHAMAR, son of Late Ghate Chamar, being the then owner sold, transferred, conveyed a
piece or parcel of land admeasuring an area of 3 cottah 0 chittak 18 Sft. to Sri Madan
Chandra Das, son of Late Ramlal Das (now deceased) by virtue of a registered sale Deed
being Deed no 5258 for the year 1970, which was registered before the S.R. office at
Barrackpore, situated under Mouza- Khardah, J.L. no. 2, Re. Su. no. 18, Touzi no 145, 218,
2998, R.S. Khatian no. 561, R.S. Dag no 3161, (land measuring 0157 Acre) and R.S. Khatian
no. 1409, R.S. Dag no 3160, as per English measurement land measuring 05 Acre. within the
limits of Titagarh Municipality and after purchasing the said land, Madan Chandra Das duly
mutated his name in the records of Titagarh Municipality and erect kuchha and Pucca house
thereon and paid rent and taxes regularly before the concern B.L.& L.R.O. and Titagarh
Municipality thereof.

AND WHEREAS said Madan Chandra Das during his peaceful possession and enjoyment
of the above said property died intestate on 30/12/2000 leaving behind him surviving his
Page 18 of 22
Page 27 of 54
l Continued on next page...
 wife Smt. Manju Das, one son Manoj Kumar Das and two daughters Madhabi Saha(Das)
and Manashi Modak(Das) as his only legal heirs to inherit his aforesaid and schedule
mentioned property.

AND WHEREAS thereafter said legal heirs of Madan Chandra Das, i.e., Smt. Manju Das,
one son Manoj Kumar Das and two daughters Madhabi Saha(Das) and Manashi
Modak(Das) became the joint owners of the aforesaid total property admeasuring an area
of 3 cottah 0 chittak 18 Sft. of land with kutcha and pucca structure thereon, situated at
Mouza- Khardah, J.L. no. 2, Re. Su. no. 18, Touzi no 145, 218, 2998, R.S. Khatian no. 561,
R.S. Dag no 3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag no 3160,
(land measuring 0343 Acre) as per English measurement land measuring 05 Acre. within the
limits of Titagarh Municipality, being Holding No. 31. Natun Pally, P.O. Titagarh, P.S.
Khardah, Dist. North 24-Parganas, Kolkata-700119 and in which each of having undivided
1/4th share of the same and thereafter all the landowners duly mutated their names in the
records of Titagarh Municipality and they have been in peaceful possession of the total
property under ward no- 17 of Titagarh Municipality having valid, clear right and marketable
title of the same.

AND WHEREAS while thus seized and possessed the above said property the Landowner
herein desire to construct a multi-storied building consisting several Flats and Shop Rooms
Garage over the aforesaid land, which is more fully and particularly described in the
Schedule A below after demolishing the existing structure and for the said purpose of
construction of a Multi storied building the aforesaid Owner searching for a reputed
Promoter/Developer who would construct multi-storied building on the said land under
certain terms and conditions inter alia at its own costs and expenses after obtaining
necessary sanction plan from the competent authority and the very intention of the Owner
to allow them to construct the said proposed multi-storied building on their property.

AND WHEREAS the Land Owner have shown their intention to the present Developer herein
i.e. GANAPATI ENTERPRISE for developing the said property by way of constructing a multi-
storied building and the Developers herein accepted the same and expressed their
eagerness to take charge of such proposal of construction over the said property.
AND WHEREAS the land owner have agreed to authorise the aforesaid Developer, namely,
GANAPATI ENTERPRISE, to construct a Multi-storied Building over the said property
according to the Building Plan to be approved by the Titagarh Municipality as specification
with floors, plans, elevation, sections made in compliance with the statutory requirements
in the said property at the cost of the Developer and accordingly the Land Owners entered
into a Development agreement with Developer GANAPATI ENTERPRISE for developing the
aforesaid plot by constructing a Multi-storied building over the said land, admeasuring 05
decimals equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen)
Sqft, a little more or less, alongwith 100 sft. R.T. Shed covered area situated within the limits
of Titagarh Municipality, being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist.
Page 19 of 22
Page 28 of 54
l Continued on next page...
 North 24-Parganas, Kolkata-700119 vide Development Agreement being No. I-1524 10234
for the year 2022, which was duly registered at A.D.S.R. Office at Sodepur and recorded
there in Book No. 1, Volume No. 1524-2022, Pages from 332073 to 332112 and they also
executed a Development Power of Attorney vide Development Power of Attorney being
No. 1-1524 10356 for the year 2022, registered at A.D.B.R. Office at Sodepur and
recorded there in Book No. 1, Volume No. 1524-2022, Pages from 332656 to 332681 in
favour GANAPATI ENTERPRISE to that effect.

AND WHEREAS in terms of the said Development Agreement executed in between Land
owner and Developer, the Developer/ Second Party herein duly submitted a Building Plan
before the Titagarh Municipality at their own cost and expenses and obtained a sanctioned
Plan of (0+4) storied building from the Titagarh Municipality.

AND WHEREAS after the executing of the Development Agreement with the landowners
and thereafter getting the sanctioned building plan from the Titagarh Municipality started
construction of the building over the schedule property by the fund of the Developer

AND WHEREAS during the period of construction of the multi-storied building said land
owner Smt. Anju Das suddenly died on 24/03/2025 leaving behind him surviving her son Sri
Manoj Kumar Das, and two married daughter Smt. Madhavi Saha, and Manashi Modak
as her only legal heirs to inherit her undivided 1/4th share of the total property.

AND WHEREAS thereafter on due negotiation with the present landowners and to regularize
the process of Construction of Building, execution of the Sale Agreement, and registration
of the Agreement and Deed of Conveyance it was necessary to execute one new
Development Agreement and considering the same the landowner on the area of land they
inherited from the ownership of their mother. Therefore they, have agreed to execute a
Development Agreement with the Developer namely, GANAPATI ENTERPRISE, a
Partnership Firm for the purpose of continuation of the Development of Multi-storied
Building over their property according to the Building Plan approved by the Titagarh
Municipality at the cost of the Developer considering the previous terms and conditions and
landowner Allocation mentioned in the said previous Registered Development Agreement
and the details of the terms and conditions stipulated herein under. There for the said land
owners and developers had executed a Development Agreement vide Development
Agreement being No. I-1524 02521 for the year 2025, which was duly registered at
A.D.S.R. Office at Sodepur and recorded there in Book No. 1, Volume No. 1524-2025,
Pages from 73921 to 73953 and they also executed a Development Power of Attorney
vide Development Power of Attorney being No. 1-1524 02524 for the year 2025,
registered at A.D.B.R. Office at Sodepur and recorded there in Book No. 1, Volume No.
1524-2025, Pages from 73902 to 73920 in favour GANAPATI ENTERPRISE to that effect.

AND WHERAS as per the said Development Agreements In consideration of the Owner's
Page 20 of 22
Page 29 of 54
l Continued on next page...
 permission and/or allowing the Developer herein to develop the said premises by
amalgamating the adjacent plot of land if required and availability of the same and to
construct a Multi Storied Building thereon in the manner and in terms of conditions of this
agreement and according to Plan to be sanctioned by the Titagarh Municipality and further
allowing and empowering the Developer to enter into agreement for sale and receive
earnest money and full consideration moneys from the intending buyers and upon receiving
full consideration to sell and transfer the flats of the said proposed Building from the
Developer Allocation to be constructed over the below schedule property together with
proportionate share of land to the intending purchaser/s. That, the Owners will get their
share of the Proposed Multi-storied Building to be sanctioned by the Titagarh Municipality
in respect of proportionate share of the schedule property only of the Owners and which will
be provided by the Developer herein to the landowners as per following manner-

That the Landowners will get-

1) 04 (Four) Nos. residential flat each of which measuring 500 St. covered area, out of
which One Flat at 4th floor facing to South, Two Nos. Flat at 3rd Floor facing to South
and one Flat at Ground Floor Back Side, over the Schedule Property.

Rest of the portions will be considered as Developers Allocation.

Agreement for Sale:

Agreement for Sale executed in 2025, Sri Manoj Kumar Das, Smt. Madhavi Saha and
Manashi Modak represented by their constituent Attorney Holder Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar
Shaw as owner/Vendor of the First Part, and Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw as
Developer/Confirming Party of the Second Part agreed to Sale, transferred, convey or ALL
THAT one residential Flat No. '2/A' in the Second Floor measuring Carpet area 447 Sq.ft.
and super built up area measuring 760 Sq.ft a little more or Less consisting of 02 Bed room,
Kitchen, Dining cum Dining Room Toilet, Balcony of the said Multi Storied Building (G+4)
constructed on the Land and Premises together with undivided impartible proportionate
share or interest in ALL THAT piece and parcel of "BASTU" land admeasuring 05 decimals
equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen) St. a little
more or less, along with 100 sq.ft. R.T. Shed covered area in ground floor situated at Mouza
Khardah, J.L. No. 2, Re. Su. No. 18, Touzi no 145. 218, 2998, R.S. Khatian No. 561, R.S. Dag
No.3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag No. -3160, (land
measuring 0343 Acre) as per English measurement land measuring 05 Acre. L.R. Dag No.
1214, L.R. Khatian No. 1788, 3242, 4012,4103 within the limits of Titagarh Municipality,
being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist. North 24-Parganas,
Kolkata-700119 (hereinafter referred to as the said Property), unto and in favour of Mr.
Page 21 of 22
Page 30 of 54
l Continued on next page...
 Jagjit Singh Sangar & Mrs. Tina Singh Sangar as Purchasers of the Third Part.

Certificate:

In view of the above, I/we hereby certify that the current owner/s, Sri Manoj Kumar Das,
Smt. Madhavi Saha and Manashi Modak has a good, clear and marketable title to the
aforesaid property free from all encumbrances, charges, liens, lis pendens, liabilities,
attachments or impediments of any nature whatsoever.

This report is to be treated as a part and parcel of my/our LSR dated 17.06.2025 issued with
respect to the aforesaid property.

Remarks: Period of search is limited to the records available in the official website of Govt.
of West Bengal i.e. wbregistration.gov.in.

Page 22 of 22
Page 31 of 54
l Continued on next page...
 LEGAL SCRUTINY REPORT
Date: 17.06.2025

To
Piramal Finance Limited
Barasat Branch

Dear Sir/Madam,

Sub: Legal Scrutiny Report in respect of the loan application of Jagjit Singh Sangar
as desired by you vide the above referred letter, I/we are furnishing hereunder the legal
scrutiny report in respect of the property (described in part I hereto)

PART I:

1) Name of the Borrower & Co-Borrower: Jagjit Singh Sangar & Tina Singh Sangar.

2) Description/ Address of the Property:

ALL THAT one residential Flat No. '2/A' in the Second Floor measuring Carpet area 447 Sq.ft.
and super built up area measuring 760 Sq.ft a little more or Less consisting of 02 Bed room,
Kitchen, Dining cum Dining Room Toilet, Balcony of the said Multi Storied Building (G+4)
constructed on the Land and Premises together with undivided impartible proportionate
share or interest in ALL THAT piece and parcel of "BASTU" land admeasuring 05 decimals
equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen) St. a little
more or less, along with 100 sq.ft. R.T. Shed covered area in ground floor situated at Mouza
Khardah, J.L. No. 2, Re. Su. No. 18, Touzi no 145. 218, 2998, R.S. Khatian No. 561, R.S. Dag
No.3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag No. -3160, (land
measuring 0343 Acre) as per English measurement land measuring 05 Acre. L.R. Dag No.
1214, L.R. Khatian No. 1788, 3242, 4012,4103 within the limits of Titagarh Municipality,
being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist. North 24-Parganas,
Kolkata-700119:

butted and bounded as under -

ON THE NORTH BY: By Land of others;

ON THE SOUTH BY: By Land of R.S. Dag No. 3161;

Page 1 of 22
Page 32 of 54
l Continued on next page...
 ON THE EAST BY: By 8 feet wide Common Passage;

ON THE WEST BY: By Land of R.S. Dag No. 3160,3161;

3) Name of Current Owners(s): Sri Manoj Kumar Das, Smt. Madhavi Saha and
Manashi Modak.

4) Nature / Status of Property

Freehold

5) Permitted land usage as per the documents

Builder Purchase

6) Purpose of loan and Type of Transaction: Residential

7) Lead ID: HLSA000DFBB0

PART II List of Documents submitted before me/us for Scrutiny

Sl. No. Description

1 Photocopy of Deed of Sale executed dated 27.07.1970, made between RAM
TAHOL CHAMAR (vendor) and Madan Chandra Das (vendee).

The said Deed was duly registered in the office of the S.R.O. Barrackpore and
recorded in being No. 5258 for the year 1970.

(Chain Deed – 1)

2 Photocopy of Legal Heir Certificate executed before the Ld. 1 st Class Judicial
Magistrate at Barrackpore dated 24.04.2025 certifying that certifying that
Madan Chandra Das died intestate on 30.12.2000 and his wife Manju Das died
intestate on 24.03.2025 leaving behind their one son Manoj Kumar Das and two
daughters Madhabi Saha and Manashi Modak as their only legal heirs and
successors.

3 Photocopy of Deed of Development Agreement executed dated 10.11.2022, made

between Smt. Manju Das, Manoj Kumar Das, Madhabi Saha and Manashi
Page 2 of 22
Page 33 of 54
l Continued on next page...
 Modak (Land Lords) and Ganapati Enterprise represented by its partners
Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw
(Developer).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2022, Pages from 332073 to
332112, being No. I-152410234 for the year 2022.

(Chain Deed – 3)
4 Photocopy of Deed of Development Power of Attorney after Registered Development
Agreement executed dated 18.11.2022, made between Smt. Manju Das, Manoj
Kumar Das, Madhabi Saha and Manashi Modak (Principles) and M/S.
Ganapati Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay
Kumar Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2022, Pages from 332656 to
332681, being No. I-152410356 for the year 2022.

(Chain Deed – 4)
5 Photocopy of Deed of Development Agreement executed dated 08.04.2025, made
between Manoj Kumar Das, Madhabi Saha and Manashi Modak (Land Lords)
and Ganapati Enterprise represented by its partners Sri. Pappu Rajak, Sri
Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Developer).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2025, Pages from 73921 to 73953,
being No. I-152402521 for the year 2025.

(Chain Deed – 5)

6 Photocopy of Deed of Development Power of Attorney after Registered Development

Agreement executed dated 08.04.2025, made between Manoj Kumar Das,
Madhabi Saha and Manashi Modak (Principles) and M/S. Ganapati
Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar
Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2025, Pages from 73902 to 73920,
Page 3 of 22
Page 34 of 54
l Continued on next page...
 being No. I-152402524 for the year 2025.

(Chain Deed – 6)
7 Photocopy of Mutation Certificate issued by Titagarh Municipality dated
08.06.2021in the name of Smt. Manju Das, Manoj Kumar Das, Madhabi Saha
and Manashi Modak.

8 Photocopy of Property Tax receipt in the name of Smt. Manju Das, Manoj
Kumar Das, Madhabi Saha and Manashi Modak dated 24.02.2025 issued by
Titagarh Municipality.

9 Photocopy of Building Sanction Plan in respect of the said building.

10 Photocopy of Parcha dated 28.04.2025 in the name of Manoj Kumar Das.

11 Photocopy of Khazna dated 11.06.2025 in the name of and paid by Manoj

Kumar Das.

12 Photocopy of Parcha (Online Dager Tathya) dated 17.06.2025 in the name of

Madan Chandra Das.

13 Photocopy of Khazna dated 21.02.2025 in the name of and paid by Madan

Chandra Das.

14 Photocopy of Application for Mutation dated 18.05.2025 in the name of

Madhabi Saha.

15 Photocopy of Agreement for Sale executed in 2025, between Manju Das, Sri
Manoj Kumar Das, Smt. Madhavi Saha and Manashi Modak represented
by their constituent Attorney Holder Ganapati Enterprise represented by
its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar
Shaw as owner/Vendor of the First Part, and Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri.
Sanjay Kumar Shaw as Developer/Confirming Party of the Second Part and
Mr. Jagjit Singh Sangar & Mrs. Tina Singh Sangar as Purchasers of the Third
Part.

Page 4 of 22
Page 35 of 54
l Continued on next page...
 PART III FLOW OF TITLE OF PROPERTY - (HISTORY OF TITLE)

Ownership of Sri Manoj Kumar Das, Smt. Madhavi Saha and Manashi Modak:

WHEREAS by an Indenture of sale Deed dated 27th day of July, 1970, RAM TAHOL
CHAMAR, son of Late Ghate Chamar, being the then owner sold, transferred, conveyed a
piece or parcel of land admeasuring an area of 3 cottah 0 chittak 18 Sft. to Sri Madan
Chandra Das, son of Late Ramlal Das (now deceased) by virtue of a registered sale Deed
being Deed no 5258 for the year 1970, which was registered before the S.R. office at
Barrackpore, situated under Mouza- Khardah, J.L. no. 2, Re. Su. no. 18, Touzi no 145, 218,
2998, R.S. Khatian no. 561, R.S. Dag no 3161, (land measuring 0157 Acre) and R.S. Khatian
no. 1409, R.S. Dag no 3160, as per English measurement land measuring 05 Acre. within the
limits of Titagarh Municipality and after purchasing the said land, Madan Chandra Das duly
mutated his name in the records of Titagarh Municipality and erect kuchha and Pucca house
thereon and paid rent and taxes regularly before the concern B.L.& L.R.O. and Titagarh
Municipality thereof.

AND WHEREAS said Madan Chandra Das during his peaceful possession and enjoyment
of the above said property died intestate on 30/12/2000 leaving behind him surviving his
wife Smt. Manju Das, one son Manoj Kumar Das and two daughters Madhabi Saha (Das)
and Manashi Modak (Das) as his only legal heirs to inherit his aforesaid and schedule
mentioned property.

AND WHEREAS thereafter said legal heirs of Madan Chandra Das, i.e., Smt. Manju Das,
one son Manoj Kumar Das and two daughters Madhabi Saha (Das) and Manashi Modak
(Das) became the joint owners of the aforesaid total property admeasuring an area of 3
cottah 0 chittak 18 Sft. of land with kutcha and pucca structure thereon, situated at Mouza-
Khardah, J.L. no. 2, Re. Su. no. 18, Touzi no 145, 218, 2998, R.S. Khatian no. 561, R.S. Dag
no 3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag no 3160, (land
measuring 0343 Acre) as per English measurement land measuring 05 Acre. within the limits
of Titagarh Municipality, being Holding No. 31. Natun Pally, P.O. Titagarh, P.S. Khardah, Dist.
North 24-Parganas, Kolkata-700119 and in which each of having undivided 1/4th share of
the same and thereafter all the landowners duly mutated their names in the records of
Titagarh Municipality and they have been in peaceful possession of the total property under
ward no- 17 of Titagarh Municipality having valid, clear right and marketable title of the
same.

AND WHEREAS while thus seized and possessed the above said property the Landowner
herein desire to construct a multi-storied building consisting several Flats and Shop Rooms
Garage over the aforesaid land, which is more fully and particularly described in the
Schedule A below after demolishing the existing structure and for the said purpose of

Page 5 of 22
Page 36 of 54
l Continued on next page...
 construction of a Multi storied building the aforesaid Owner searching for a reputed
Promoter/Developer who would construct multi-storied building on the said land under
certain terms and conditions inter alia at its own costs and expenses after obtaining
necessary sanction plan from the competent authority and the very intention of the Owner
to allow them to construct the said proposed multi-storied building on their property.

AND WHEREAS the Land Owner have shown their intention to the present Developer herein
i.e. GANAPATI ENTERPRISE for developing the said property by way of constructing a multi-
storied building and the Developers herein accepted the same and expressed their
eagerness to take charge of such proposal of construction over the said property.
AND WHEREAS the land owner have agreed to authorize the aforesaid Developer, namely,
GANAPATI ENTERPRISE, to construct a Multi-storied Building over the said property
according to the Building Plan to be approved by the Titagarh Municipality as specification
with floors, plans, elevation, sections made in compliance with the statutory requirements
in the said property at the cost of the Developer and accordingly the Land Owners entered
into a Development agreement with Developer GANAPATI ENTERPRISE for developing the
aforesaid plot by constructing a Multi-storied building over the said land, admeasuring 05
decimals equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen)
Sqft, a little more or less, alongwith 100 sft. R.T. Shed covered area situated within the limits
of Titagarh Municipality, being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist.
North 24-Parganas, Kolkata-700119 vide Development Agreement being No. I-1524 10234
for the year 2022, which was duly registered at A.D.S.R. Office at Sodepur and recorded
there in Book No. 1, Volume No. 1524-2022, Pages from 332073 to 332112 and they also
executed a Development Power of Attorney vide Development Power of Attorney being
No. 1-1524 10356 for the year 2022, registered at A.D.B.R. Office at Sodepur and
recorded there in Book No. 1, Volume No. 1524-2022, Pages from 332656 to 332681 in
favour GANAPATI ENTERPRISE to that effect.

AND WHEREAS in terms of the said Development Agreement executed in between Land
owner and Developer, the Developer/ Second Party herein duly submitted a Building Plan
before the Titagarh Municipality at their own cost and expenses and obtained a sanctioned
Plan of (0+4) storied building from the Titagarh Municipality.

AND WHEREAS after the executing of the Development Agreement with the landowners
and thereafter getting the sanctioned building plan from the Titagarh Municipality started
construction of the building over the schedule property by the fund of the Developer

AND WHEREAS during the period of construction of the multi-storied building said land
owner Smt. Anju Das suddenly died on 24/03/2025 leaving behind him surviving her son Sri
Manoj Kumar Das, and two married daughter Smt. Madhavi Saha, and Manashi Modak
as her only legal heirs to inherit her undivided 1/4th share of the total property.

Page 6 of 22
Page 37 of 54
l Continued on next page...
 AND WHEREAS thereafter on due negotiation with the present landowners and to regularize
the process of Construction of Building, execution of the Sale Agreement, and registration
of the Agreement and Deed of Conveyance it was necessary to execute one new
Development Agreement and considering the same the landowner on the area of land they
inherited from the ownership of their mother. Therefore they, have agreed to execute a
Development Agreement with the Developer namely, GANAPATI ENTERPRISE, a
Partnership Firm for the purpose of continuation of the Development of Multi-storied
Building over their property according to the Building Plan approved by the Titagarh
Municipality at the cost of the Developer considering the previous terms and conditions and
landowner Allocation mentioned in the said previous Registered Development Agreement
and the details of the terms and conditions stipulated herein under. There for the said land
owners and developers had executed a Development Agreement vide Development
Agreement being No. I-1524 02521 for the year 2025, which was duly registered at
A.D.S.R. Office at Sodepur and recorded there in Book No. 1, Volume No. 1524-2025,
Pages from 73921 to 73953 and they also executed a Development Power of Attorney
vide Development Power of Attorney being No. 1-1524 02524 for the year 2025,
registered at A.D.B.R. Office at Sodepur and recorded there in Book No. 1, Volume No.
1524-2025, Pages from 73902 to 73920 in favour GANAPATI ENTERPRISE to that effect.

AND WHERAS as per the said Development Agreements In consideration of the Owner's
permission and/or allowing the Developer herein to develop the said premises by
amalgamating the adjacent plot of land if required and availability of the same and to
construct a Multi Storied Building thereon in the manner and in terms of conditions of this
agreement and according to Plan to be sanctioned by the Titagarh Municipality and further
allowing and empowering the Developer to enter into agreement for sale and receive
earnest money and full consideration moneys from the intending buyers and upon receiving
full consideration to sell and transfer the flats of the said proposed Building from the
Developer Allocation to be constructed over the below schedule property together with
proportionate share of land to the intending purchaser/s. That, the Owners will get their
share of the Proposed Multi-storied Building to be sanctioned by the Titagarh Municipality
in respect of proportionate share of the schedule property only of the Owners and which will
be provided by the Developer herein to the landowners as per following manner-

That the Landowners will get-

1) 04 (Four) Nos. residential flat each of which measuring 500 St. covered area, out of
which One Flat at 4th floor facing to South, Two Nos. Flat at 3rd Floor facing to South
and one Flat at Ground Floor Back Side, over the Schedule Property.

Rest of the portions will be considered as Developers Allocation.

Page 7 of 22
Page 38 of 54
l Continued on next page...
 Agreement for Sale:

Agreement for Sale executed in 2025, Sri Manoj Kumar Das, Smt. Madhavi Saha and
Manashi Modak represented by their constituent Attorney Holder Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar
Shaw as owner/Vendor of the First Part, and Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw as
Developer/Confirming Party of the Second Part agreed to Sale, transferred, convey or ALL
THAT one residential Flat No. '2/A' in the Second Floor measuring Carpet area 447 Sq.ft.
and super built up area measuring 760 Sq.ft a little more or Less consisting of 02 Bed room,
Kitchen, Dining cum Dining Room Toilet, Balcony of the said Multi Storied Building (G+4)
constructed on the Land and Premises together with undivided impartible proportionate
share or interest in ALL THAT piece and parcel of "BASTU" land admeasuring 05 decimals
equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen) St. a little
more or less, along with 100 sq.ft. R.T. Shed covered area in ground floor situated at Mouza
Khardah, J.L. No. 2, Re. Su. No. 18, Touzi no 145. 218, 2998, R.S. Khatian No. 561, R.S. Dag
No.3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag No. -3160, (land
measuring 0343 Acre) as per English measurement land measuring 05 Acre. L.R. Dag No.
1214, L.R. Khatian No. 1788, 3242, 4012,4103 within the limits of Titagarh Municipality,
being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist. North 24-Parganas,
Kolkata-700119 (hereinafter referred to as the said Property), unto and in favour of Mr.
Jagjit Singh Sangar & Mrs. Tina Singh Sangar as Purchasers of the Third Part.

PART IV EVIDENCE OF TITLE OF PROPERTY

Deed of Sale executed dated 27.07.1970, made between RAM TAHOL CHAMAR (vendor)
and Madan Chandra Das (vendee) registered in the office of the S.R.O. Barrackpore and
recorded in being No. 5258 for the year 1970.
&

Deed of Development Agreement executed dated 10.11.2022, made between Smt. Manju
Das, Manoj Kumar Das, Madhabi Saha and Manashi Modak (Land Lords) and Ganapati
Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay
Kumar Shaw (Developer) registered in the office of the ADSR Sodepur and recorded in Book
No. 1, Volume No. 1524-2022, Pages from 332073 to 332112, being No. I-152410234 for the
year 2022.
&

Deed of Development Power of Attorney after Registered Development Agreement

Page 8 of 22
Page 39 of 54
l Continued on next page...
 executed dated 18.11.2022, made between Smt. Manju Das, Manoj Kumar Das, Madhabi
Saha and Manashi Modak (Principles) and M/S. Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder)
registered in the office of the ADSR Sodepur and recorded in Book No. 1, Volume No. 1524-
2022, Pages from 332656 to 332681, being No. I-152410356 for the year 2022.
&

Deed of Development Agreement executed dated 08.04.2025, made between Manoj Kumar
Das, Madhabi Saha and Manashi Modak (Land Lords) and Ganapati Enterprise represented
by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Developer)
registered in the office of the ADSR Sodepur and recorded in Book No. 1, Volume No. 1524-
2025, Pages from 73921 to 73953, being No. I-152402521 for the year 2025.
&

Deed of Development Power of Attorney after Registered Development Agreement

executed dated 08.04.2025, made between Manoj Kumar Das, Madhabi Saha and Manashi
Modak (Principles) and M/S. Ganapati Enterprise represented by its partners Sri. Pappu
Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder) registered in the
office of the ADSR Sodepur and recorded in Book No. 1, Volume No. 1524-2025, Pages from
73902 to 73920, being No. I-152402524 for the year 2025.

PART V OTHER PROVISIONS:

5.1. Whether provisions of Urban Land Ceiling Act are applicable?

NO

5.2. Whether property to be given as security is subject to any minor's claim/share?

NO

5.3 Whether the property is affected by any revenue and tenancy regulations?

NO

5.4. Whether the user land has been converted into Non-Agricultural for Residential use
by the order of the competent Authority?
Page 9 of 22
Page 40 of 54
l Continued on next page...
 YES (Not needed)

5.5. Whether up to date tax/Land Revenue has been paid on the property.

NO

5.6. Whether all original documents for last 13 years have been scrutinized?

YES

5.7. Whether required documents are available for creating mortgage?

YES

5.8. Whether all previous owners had the right/competency to transfer the property?

YES

5.9. Whether proposed mortgage by deposit of title deeds is possible?

YES

5.10. Whether the property has been transferred /to be transferred by a POA holder of the
original land owner in favor of the loan Applicant?

YES

5.11. Whether POA holder of original land owner has/had authority under POA.

YES

5.12. Whether the said POA as recorded in 5.11 is registered?

YES

5.13. What is the tenure of the land if it leased?

NA

5.14. Whether the land is Adivasi (Tribal) Land?

Page 10 of 22
Page 41 of 54
l Continued on next page...
 NO

5.15. Whether the land/property is joint family property?

NO

5.16. Is the land/property/flat is subject to any reservations/acquisitions/requisitions?

NO

5.17. Whether Search Report is obtained and submitted? – YES

Search Report Details – No adverse entry found.

Search Conducted Years 13.00

Name of the Advocate – Pranayan Chandra

Search Report Date – 17/06/2025

5.18. Whether EC is obtained? Where applicable EC Details – NA

No. of Years EC Obtained 0.00

Any Encumbrance to Specify

EC Applied by

5.19. Whether Builder is a Private/Limited Company? NA

ROC Search Report Submitted/Carried Out - NA

Any Charge/Mortgage is created on the project/Property/Flat/Apartment – NA

If Mortgage/Charged, Name of the Bank/FI - NA

Whether NOC/Release Letter Obtained or Not - NA

Page 11 of 22
Page 42 of 54
l Continued on next page...
 PART VI: CERTIFICATE: -

In view of the foregoing, I/We certify that the title deeds intended to be deposited, relating
to the property and offered as security by way of equitable mortgage and the documents
of title referred to above are perfect evidence of the title and that if the said equitable
mortgage is created in the manner required by law, it would satisfy the requirements of
creation of equitable mortgage.

I/We further certify that Sri Manoj Kumar Das, Smt. Madhavi Saha and Manashi Modak
would derive a valid, clear, marketable and unencumbered title in the property stated
above and competent to create the mortgage in favour of the Piramal Finance Ltd., free
from all encumbrances. The mortgage if created will be available to PCHFL for the
liability of the intending Borrower Jagjit Singh Sangar & Tina Singh Sangar.

We further certify that the subject property is enforceable under SARFAESI Act 2002 by the
Lender

11. Steps/Documents required for creation of equitable mortgage:

I. DOCUMENTS TO BE COLLECTED BY PIRAMAL FINANCE LIMITED FOR CREATION OF

EQUITABLE MORTGAGE OF THE SAID PROPERTY PRIOR TO THE DISBURSEMENT.
Critical documents – documents which are “must to have” for creation of

equitable mortgage:

Sl. No. Description

1 Photocopy along with original verification of Deed of Sale executed dated
27.07.1970, made between RAM TAHOL CHAMAR (vendor) and Madan
Chandra Das (vendee).

The said Deed was duly registered in the office of the S.R.O. Barrackpore and
recorded in being No. 5258 for the year 1970.

(Chain Deed – 1)

2 Photocopy of Legal Heir Certificate executed before the Ld. 1 st Class Judicial
Magistrate at Barrackpore dated 24.04.2025 certifying that certifying that
Madan Chandra Das died intestate on 30.12.2000 and his wife Manju Das died
intestate on 24.03.2025 leaving behind their one son Manoj Kumar Das and two
Page 12 of 22
Page 43 of 54
l Continued on next page...
 daughters Madhabi Saha and Manashi Modak as their only legal heirs and
successors.

3 Photocopy along with original verification of Deed of Development Agreement

executed dated 10.11.2022, made between Smt. Manju Das, Manoj Kumar Das,
Madhabi Saha and Manashi Modak (Land Lords) and Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri.
Sanjay Kumar Shaw (Developer).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2022, Pages from 332073 to
332112, being No. I-152410234 for the year 2022.

(Chain Deed – 3)

4 Photocopy along with original verification of Deed of Development Power of

Attorney after Registered Development Agreement executed dated 18.11.2022, made
between Smt. Manju Das, Manoj Kumar Das, Madhabi Saha and Manashi
Modak (Principles) and M/S. Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw
(Attorney Holder).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2022, Pages from 332656 to
332681, being No. I-152410356 for the year 2022.

(Chain Deed – 4)
5 Photocopy along with original verification of Deed of Development Agreement
executed dated 08.04.2025, made between Manoj Kumar Das, Madhabi Saha
and Manashi Modak (Land Lords) and Ganapati Enterprise represented by
its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar
Shaw (Developer).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2025, Pages from 73921 to 73953,
being No. I-152402521 for the year 2025.

(Chain Deed – 5)

Page 13 of 22
Page 44 of 54
l Continued on next page...
 6 Photocopy along with original verification of Deed of Development Power of
Attorney after Registered Development Agreement executed dated 08.04.2025, made
between Manoj Kumar Das, Madhabi Saha and Manashi Modak (Principles)
and M/S. Ganapati Enterprise represented by its partners Sri. Pappu
Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw (Attorney Holder).

The said Deed was duly registered in the office of the ADSR Sodepur and
recorded in Book No. 1, Volume No. 1524-2025, Pages from 73902 to 73920,
being No. I-152402524 for the year 2025.

(Chain Deed – 6)
7 Photocopy of Mutation Certificate issued by Titagarh Municipality dated
08.06.2021in the name of Smt. Manju Das, Manoj Kumar Das, Madhabi Saha
and Manashi Modak.

8 Photocopy along with original verification of Property Tax receipt in the name
of Smt. Manju Das, Manoj Kumar Das, Madhabi Saha and Manashi Modak
dated 24.02.2025 issued by Titagarh Municipality.

9 Photocopy of Building Sanction Plan in respect of the said building.

10 Photocopy of Parcha dated 28.04.2025 in the name of Manoj Kumar Das.

11 Photocopy of Khazna dated 11.06.2025 in the name of and paid by Manoj

Kumar Das.

12 Photocopy of Parcha (Online Dager Tathya) dated 17.06.2025 in the name of

Madan Chandra Das.

13 Photocopy of Khazna dated 21.02.2025 in the name of and paid by Madan

Chandra Das.

14 Photocopy of Application for Mutation dated 18.05.2025 in the name of

Madhabi Saha.

15 Photocopy of Parcha in the name of Smt. Madhavi Saha and Manashi

Modak.

Page 14 of 22
Page 45 of 54
l Continued on next page...
 16 Photocopy of Khazna in the name of Smt. Madhavi Saha and Manashi
Modak.

17 Original rectified Agreement for Sale executed in 2025, between Sri Manoj
Kumar Das, Smt. Madhavi Saha and Manashi Modak represented by their
constituent Attorney Holder Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar
Shaw as owner/Vendor of the First Part, and Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri.
Sanjay Kumar Shaw as Developer/Confirming Party of the Second Part and
Mr. Jagjit Singh Sangar & Mrs. Tina Singh Sangar as Purchasers of the Third
Part.

Remarks: the name of Manju Das to be excluded from the name of owners as
she has already died.

II. Documents to be collected by Piramal Finance Limited at the time of Delivery of Pay
Order(s)/Demand Draft(s) to the Developer / Builder:
Critical documents – documents which are “must to have” for creation of equitable mortgage:

1. IGR (Registration Receipt) in original duly signed by the presenter on the reverse
which should not be kept pending for any additional stamp duty assessed by
the Registrar.
2. Possession Letter from the Seller.
3. Margin Money receipt issued by the seller.
The above documents are required before disbursement of the loan for creating
valid mortgage.
III. DOCUMENTS TO BE COLLECTED BY PIRAMAL FINANCE LIMITED FOR CREATION OF
EQUITABLE MORTGAGE OF THE SAID PROPERTY POST DISBURSEMENT.
1. Original Deed of Sale made between Sri Manoj Kumar Das, Smt. Madhavi Saha and
Manashi Modak represented by their constituent Attorney Holder Ganapati
Enterprise represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw &
Sri. Sanjay Kumar Shaw as owner/Vendor of the First Part, and Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay
Kumar Shaw as Developer/Confirming Party of the Second Part and Mr. Jagjit Singh
Sangar & Mrs. Tina Singh Sangar as Purchasers of the Third Part.

Page 15 of 22
Page 46 of 54
l Continued on next page...
 Remarks: -

I. Certification and conclusion given in this opinion are as per your prescribed format

II. We have given our opinion on perusal of the copies of the documents and the originals
were not examined and have derived the chain of title on the basis of the documents
submitted and the representations made therein.

III. All original title related documents including KYC of present owner(s) and/or borrower
should be verified before disbursement.

IV. We have not examined whether there is any litigation or dispute or acquisition with
respect to the subject property to be mortgaged as it is out of the scope of our work.

V. It is advised to check any kind of registered encumbrances with respect to the subject
property between the period of opinion date and date of remittance from your end.

VI. It is advised to check and verify that there is no tenant on the subject property and the
same is in the possession of the present owner.

VII. Draft Deed should be Vetted by the panel Advocate.

VIII. Appropriate Deed of Conveyance should be registered in favour of the applicant and
draft of which shall require examination and obtain the IGR in original duty signed by
the presenter on the reverse which should not be kept pending for payment of any
additional stamp duty assessed by the Registrar wherein
specification/location/orientation of the Flat should be mentioned.

IX. Please note that we are neither handwritten experts nor experts at detecting fraudulent
documents as submitted. Hence, we shall not be responsible in this regard. We are
submitting this encumbrance certificate/title report on inspection of Index records as
being made available at the official website of Govt. of West Bengal i.e.
www.wbregistration.gov.in.

Page 16 of 22
Page 47 of 54
l Continued on next page...
 SEARCH REPORT

Dated: 17.06.2025

To,
Piramal Finance Ltd.,
Barasat Branch.

Name of Borrower & Co-Borrowers:

Jagjit Singh Sangar (Borrower)

Tina Singh Sangar (Co-Borrower)

Lead ID: HLSA000DFBB0

Ref: Legal Scrutiny Report (LSR) dated 17.06.2025 issued by me.

Description of the Property:

ALL THAT one residential Flat No. '2/A' in the Second Floor measuring Carpet area 447 Sq.ft.
and super built up area measuring 760 Sq.ft a little more or Less consisting of 02 Bed room,
Kitchen, Dining cum Dining Room Toilet, Balcony of the said Multi Storied Building (G+4)
constructed on the Land and Premises together with undivided impartible proportionate
share or interest in ALL THAT piece and parcel of "BASTU" land admeasuring 05 decimals
equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen) St. a little
more or less, along with 100 sq.ft. R.T. Shed covered area in ground floor situated at Mouza
Khardah, J.L. No. 2, Re. Su. No. 18, Touzi no 145. 218, 2998, R.S. Khatian No. 561, R.S. Dag
No.3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag No. -3160, (land
measuring 0343 Acre) as per English measurement land measuring 05 Acre. L.R. Dag No.
1214, L.R. Khatian No. 1788, 3242, 4012,4103 within the limits of Titagarh Municipality,
being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist. North 24-Parganas,
Kolkata-700119:

Page 17 of 22
Page 48 of 54
l Continued on next page...
 butted and bounded as under -

ON THE NORTH BY: By Land of others;

ON THE SOUTH BY: By Land of R.S. Dag No. 3161;

ON THE EAST BY: By 8 feet wide Common Passage;

ON THE WEST BY: By Land of R.S. Dag No. 3160,3161;

Current Owner/s of the Property: Sri Manoj Kumar Das, Smt. Madhavi Saha and
Manashi Modak.

Details of the Searches conducted & NEC/EC retrieved/perused:

Necessary searches were conducted in official website of West Bengal Registry office i.e.
wbregistration.gov.in for the period from 2010 - 2025 and as per the same, no adverse entry
was found.

History of the Devolution of Title based on the documents submitted, searches

conducted and on perusal of the NEC/EC:

Ownership of Sri Manoj Kumar Das, Smt. Madhavi Saha and Manashi Modak:

WHEREAS by an Indenture of sale Deed dated 27th day of July, 1970, RAM TAHOL
CHAMAR, son of Late Ghate Chamar, being the then owner sold, transferred, conveyed a
piece or parcel of land admeasuring an area of 3 cottah 0 chittak 18 Sft. to Sri Madan
Chandra Das, son of Late Ramlal Das (now deceased) by virtue of a registered sale Deed
being Deed no 5258 for the year 1970, which was registered before the S.R. office at
Barrackpore, situated under Mouza- Khardah, J.L. no. 2, Re. Su. no. 18, Touzi no 145, 218,
2998, R.S. Khatian no. 561, R.S. Dag no 3161, (land measuring 0157 Acre) and R.S. Khatian
no. 1409, R.S. Dag no 3160, as per English measurement land measuring 05 Acre. within the
limits of Titagarh Municipality and after purchasing the said land, Madan Chandra Das duly
mutated his name in the records of Titagarh Municipality and erect kuchha and Pucca house
thereon and paid rent and taxes regularly before the concern B.L.& L.R.O. and Titagarh
Municipality thereof.

AND WHEREAS said Madan Chandra Das during his peaceful possession and enjoyment
of the above said property died intestate on 30/12/2000 leaving behind him surviving his
Page 18 of 22
Page 49 of 54
l Continued on next page...
 wife Smt. Manju Das, one son Manoj Kumar Das and two daughters Madhabi Saha(Das)
and Manashi Modak(Das) as his only legal heirs to inherit his aforesaid and schedule
mentioned property.

AND WHEREAS thereafter said legal heirs of Madan Chandra Das, i.e., Smt. Manju Das,
one son Manoj Kumar Das and two daughters Madhabi Saha(Das) and Manashi
Modak(Das) became the joint owners of the aforesaid total property admeasuring an area
of 3 cottah 0 chittak 18 Sft. of land with kutcha and pucca structure thereon, situated at
Mouza- Khardah, J.L. no. 2, Re. Su. no. 18, Touzi no 145, 218, 2998, R.S. Khatian no. 561,
R.S. Dag no 3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag no 3160,
(land measuring 0343 Acre) as per English measurement land measuring 05 Acre. within the
limits of Titagarh Municipality, being Holding No. 31. Natun Pally, P.O. Titagarh, P.S.
Khardah, Dist. North 24-Parganas, Kolkata-700119 and in which each of having undivided
1/4th share of the same and thereafter all the landowners duly mutated their names in the
records of Titagarh Municipality and they have been in peaceful possession of the total
property under ward no- 17 of Titagarh Municipality having valid, clear right and marketable
title of the same.

AND WHEREAS while thus seized and possessed the above said property the Landowner
herein desire to construct a multi-storied building consisting several Flats and Shop Rooms
Garage over the aforesaid land, which is more fully and particularly described in the
Schedule A below after demolishing the existing structure and for the said purpose of
construction of a Multi storied building the aforesaid Owner searching for a reputed
Promoter/Developer who would construct multi-storied building on the said land under
certain terms and conditions inter alia at its own costs and expenses after obtaining
necessary sanction plan from the competent authority and the very intention of the Owner
to allow them to construct the said proposed multi-storied building on their property.

AND WHEREAS the Land Owner have shown their intention to the present Developer herein
i.e. GANAPATI ENTERPRISE for developing the said property by way of constructing a multi-
storied building and the Developers herein accepted the same and expressed their
eagerness to take charge of such proposal of construction over the said property.
AND WHEREAS the land owner have agreed to authorise the aforesaid Developer, namely,
GANAPATI ENTERPRISE, to construct a Multi-storied Building over the said property
according to the Building Plan to be approved by the Titagarh Municipality as specification
with floors, plans, elevation, sections made in compliance with the statutory requirements
in the said property at the cost of the Developer and accordingly the Land Owners entered
into a Development agreement with Developer GANAPATI ENTERPRISE for developing the
aforesaid plot by constructing a Multi-storied building over the said land, admeasuring 05
decimals equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen)
Sqft, a little more or less, alongwith 100 sft. R.T. Shed covered area situated within the limits
of Titagarh Municipality, being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist.
Page 19 of 22
Page 50 of 54
l Continued on next page...
 North 24-Parganas, Kolkata-700119 vide Development Agreement being No. I-1524 10234
for the year 2022, which was duly registered at A.D.S.R. Office at Sodepur and recorded
there in Book No. 1, Volume No. 1524-2022, Pages from 332073 to 332112 and they also
executed a Development Power of Attorney vide Development Power of Attorney being
No. 1-1524 10356 for the year 2022, registered at A.D.B.R. Office at Sodepur and
recorded there in Book No. 1, Volume No. 1524-2022, Pages from 332656 to 332681 in
favour GANAPATI ENTERPRISE to that effect.

AND WHEREAS in terms of the said Development Agreement executed in between Land
owner and Developer, the Developer/ Second Party herein duly submitted a Building Plan
before the Titagarh Municipality at their own cost and expenses and obtained a sanctioned
Plan of (0+4) storied building from the Titagarh Municipality.

AND WHEREAS after the executing of the Development Agreement with the landowners
and thereafter getting the sanctioned building plan from the Titagarh Municipality started
construction of the building over the schedule property by the fund of the Developer

AND WHEREAS during the period of construction of the multi-storied building said land
owner Smt. Anju Das suddenly died on 24/03/2025 leaving behind him surviving her son Sri
Manoj Kumar Das, and two married daughter Smt. Madhavi Saha, and Manashi Modak
as her only legal heirs to inherit her undivided 1/4th share of the total property.

AND WHEREAS thereafter on due negotiation with the present landowners and to regularize
the process of Construction of Building, execution of the Sale Agreement, and registration
of the Agreement and Deed of Conveyance it was necessary to execute one new
Development Agreement and considering the same the landowner on the area of land they
inherited from the ownership of their mother. Therefore they, have agreed to execute a
Development Agreement with the Developer namely, GANAPATI ENTERPRISE, a
Partnership Firm for the purpose of continuation of the Development of Multi-storied
Building over their property according to the Building Plan approved by the Titagarh
Municipality at the cost of the Developer considering the previous terms and conditions and
landowner Allocation mentioned in the said previous Registered Development Agreement
and the details of the terms and conditions stipulated herein under. There for the said land
owners and developers had executed a Development Agreement vide Development
Agreement being No. I-1524 02521 for the year 2025, which was duly registered at
A.D.S.R. Office at Sodepur and recorded there in Book No. 1, Volume No. 1524-2025,
Pages from 73921 to 73953 and they also executed a Development Power of Attorney
vide Development Power of Attorney being No. 1-1524 02524 for the year 2025,
registered at A.D.B.R. Office at Sodepur and recorded there in Book No. 1, Volume No.
1524-2025, Pages from 73902 to 73920 in favour GANAPATI ENTERPRISE to that effect.

AND WHERAS as per the said Development Agreements In consideration of the Owner's
Page 20 of 22
Page 51 of 54
l Continued on next page...
 permission and/or allowing the Developer herein to develop the said premises by
amalgamating the adjacent plot of land if required and availability of the same and to
construct a Multi Storied Building thereon in the manner and in terms of conditions of this
agreement and according to Plan to be sanctioned by the Titagarh Municipality and further
allowing and empowering the Developer to enter into agreement for sale and receive
earnest money and full consideration moneys from the intending buyers and upon receiving
full consideration to sell and transfer the flats of the said proposed Building from the
Developer Allocation to be constructed over the below schedule property together with
proportionate share of land to the intending purchaser/s. That, the Owners will get their
share of the Proposed Multi-storied Building to be sanctioned by the Titagarh Municipality
in respect of proportionate share of the schedule property only of the Owners and which will
be provided by the Developer herein to the landowners as per following manner-

That the Landowners will get-

1) 04 (Four) Nos. residential flat each of which measuring 500 St. covered area, out of
which One Flat at 4th floor facing to South, Two Nos. Flat at 3rd Floor facing to South
and one Flat at Ground Floor Back Side, over the Schedule Property.

Rest of the portions will be considered as Developers Allocation.

Agreement for Sale:

Agreement for Sale executed in 2025, Sri Manoj Kumar Das, Smt. Madhavi Saha and
Manashi Modak represented by their constituent Attorney Holder Ganapati Enterprise
represented by its partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar
Shaw as owner/Vendor of the First Part, and Ganapati Enterprise represented by its
partners Sri. Pappu Rajak, Sri Vijay Kumar Shaw & Sri. Sanjay Kumar Shaw as
Developer/Confirming Party of the Second Part agreed to Sale, transferred, convey or ALL
THAT one residential Flat No. '2/A' in the Second Floor measuring Carpet area 447 Sq.ft.
and super built up area measuring 760 Sq.ft a little more or Less consisting of 02 Bed room,
Kitchen, Dining cum Dining Room Toilet, Balcony of the said Multi Storied Building (G+4)
constructed on the Land and Premises together with undivided impartible proportionate
share or interest in ALL THAT piece and parcel of "BASTU" land admeasuring 05 decimals
equivalent to land measuring 3 (three) Cottahs 0 (Zero) Chhittaks, 18(Eighteen) St. a little
more or less, along with 100 sq.ft. R.T. Shed covered area in ground floor situated at Mouza
Khardah, J.L. No. 2, Re. Su. No. 18, Touzi no 145. 218, 2998, R.S. Khatian No. 561, R.S. Dag
No.3161, (land measuring 0157 Acre) and R.S. Khatian no. 1409, R.S. Dag No. -3160, (land
measuring 0343 Acre) as per English measurement land measuring 05 Acre. L.R. Dag No.
1214, L.R. Khatian No. 1788, 3242, 4012,4103 within the limits of Titagarh Municipality,
being Holding No. 43, Natun Pally, P.O. Titagarh, P.S. Khardah, Dist. North 24-Parganas,
Kolkata-700119 (hereinafter referred to as the said Property), unto and in favour of Mr.
Page 21 of 22
Page 52 of 54
l Continued on next page...
 Jagjit Singh Sangar & Mrs. Tina Singh Sangar as Purchasers of the Third Part.

Certificate:

In view of the above, I/we hereby certify that the current owner/s, Sri Manoj Kumar Das,
Smt. Madhavi Saha and Manashi Modak has a good, clear and marketable title to the
aforesaid property free from all encumbrances, charges, liens, lis pendens, liabilities,
attachments or impediments of any nature whatsoever.

This report is to be treated as a part and parcel of my/our LSR dated 17.06.2025 issued with
respect to the aforesaid property.

Remarks: Period of search is limited to the records available in the official website of Govt.
of West Bengal i.e. wbregistration.gov.in.

Page 22 of 22
Page 53 of 54
l Continued on next page...
SIGN STAMP

Page 54 of 54