Thursday, 9 February 2017



It is an established fact that property prices around any city or town in a developing country will always be increasing. Industrial and commercial activities attract people to the urban areas in large numbers. The rising demand for commercial and residential land causes the cities to swell upwards through multi-storied buildings, and outward through the development of sub-urban areas. This observable fact is evident in all urban areas around the globe. Property prices are bound to increase along with economic progress. But the rate of increase can vary considerably from one place to another.

Persons who are considering fixed, short term or long term investments in urban and sub-urban areas should make a detailed study of the causes for existing prices in the particular area they have in mind. Speculative investments may trigger a sharp increase in prices though there are no specific reasons to warrant the rate of increase.A general guideline that can be applied to assess whether a specific rise in real estate prices at a specific place is warranted or not, is to check the proportionate rise in demand for industrial, commercial and residential areas around that place.

Property Development in Bangalore:

Looked among the largest growing cities in the world, Bangalore city has seen a sharp increase in property prices over the past couple of decades. The industrial development of the suburbs has led to the rise of a large number of affluent businessmen, professionals and upper middle class in the city, the majority of them not local residents. 

The rapid development of the information technology (IT) sector is mainly credited for the high rate of increase in property prices over the recent years, but the real expansion started during the 1970s with the development of huge industrial areas beyond the suburbs of the city. This gave rise to increased demand for commercial space in the central business district of the city. The surrounding residential areas were encroached into and this resulted in the outward expansion of the city.

Locations that were once considered far outside the city limits have now become fashionable & lucrative residential areas. The success and expansion of the IT industry increased the demand for commercial and residential space within the old city area, and this led to the upward expansion of Bangalore through high rise structures, and the process is still going on.

Current Trends:

To ensure that the land is available at reasonable rates for a healthy development of the city, the state government is taking procedures to check further congestion within the old city limits, while at the same time providing infrastructure for proper development in the outskirts. Zoning restrictions have been implemented to thwart haphazard development. Strict action is being taken to curtail the nefarious activities of unscrupulous real estate dealers, who produce forged title deeds and other documents to fraudulently sell property that belongs to others. Even there have been many cases cropping up wherein government lands were illegally disposed of in this manner. While genuine property developers are encouraged, speculators have been restrained from indiscriminately raising property prices. The government policy is to ensure that property, whether built up or as land, is available at reasonable rates.

Another major development is the approval of the Central cabinet for the proposed Bangalore Metro Rail Corporation Limited (BMRCL) which is planned to cover 33kms in two corridors.


Market value of the property,
Bangalore property value
Karnataka stamp act
guidance value for registration, 

Wednesday, 8 February 2017



Could an enlistment of an archive be guaranteed as an issue of right? Indian Registration Act, 1908, has beneath section17 recommended bound records that are compulsorily enlisted capable and underneath area 18, the archives, the enrollment of that is discretionary. All by itself will anyone claim as an issue of right, enlistment of a report that is required underneath section17 of Indian Registration Act 1908.Vareious States have corrected the most Registration Act and have surrounded principles there beneath. 

Karnataka Government has embedded a fresh out of the plastic new segment 22-A, with result from 23.10.1976 that engages the administration to boycott the enrollment of bound records as against open approach, by telling in authority journal, and along these lines the enlisting officers might decline to enlist any such report. 

Administration of state through Revenue Secretariat Notification No. RD/141 

MUNOMV/2005, date.23/04/2005, has in activity of forces given underneath area 22-An of Registration Act as altered by Karnataka Act 55 of 1976 has proclaimed enlistment of taking after records as against the overall population arrangement. This can be successful from 06/05/2005. 

1. Site with or without building in farming land that isn't changed over for non-horticultural reason underneath area ninety five of state Land Revenue Act 1964

2. Site portrayed as Gramathana site (frame no. 9, 10) or option site proclaimed beneath sort no.19 underneath standards encircled beneath state Municipality Act 1964, however not by any stretch of the imagination recover as site. on an income area depicted as Gramathana site or option site or a site with an expanding on that no design set up is endorsed and a discharge testament is issued from local concocting power like BDA, BMRDA, BIAAPA, BMIC

4. site on an income area spoke to as Gramathana site or option site, pads, modern site, mechanical site, while not essential consent underneath segment 79A and 7B filter with segment 109 of state Land Reforms Act. 

Accordingly the exchange of just the accompanying properties is admissible. 

a)Properties falling underneath Bruhat Bangalore Mahanagara Palike

b) Properties allotted by BDA 

c) Properties in BDA affirmed formats 

d) Properties in formats affirmed by option local concocting powers like BMRDA, BlAAPA, BMIC and so forth. 

In the introduction the warning, it's express that a ton of properties are enlisted upheld sham and created reports that don't leave this world lawfully flawless title to the purchaser. In a few cases, the horticultural area is exchanged by enlistment as non-agrarian area while not so much transforming it to a non-farming reason as per Section ninety five of state Land Revenue Act 1964 and state area stipend Rules 1989. This has prompted heedless development of city and option urban areas.


Market value of the property,
stamp duty & registration charge,
Karnataka stamp act

Tuesday, 7 February 2017



For completing any work identifying with House, we should specific, in picking an ideal individual for the right employment. Actually, parcel of hugeness should be given for selecting the correct individual for doing the work on 'contract'. 

Maybe it will rely on upon the nature of the work and the last result, would to a great extent rely on upon such choice. While selecting, one must constantly mull over different viewpoints about the temporary worker, including the notoriety and the involvement in the given field, redesigning of the information to the present needs and inclines additionally required to get by in the current focused world. Probably most importantly, trustworthiness in the work pays and it just make the contractual worker prominent among both the representatives and the proprietors. Truth be told, toward the starting, it is extremely hard to pick the opportune individual to complete the work. 

In this association, we propose a couple variables which may helpful, in picking an opportune individual for the right occupation. It is unnecessary to underscore that in the wake of spending tremendous part of cash in completing the works, we ought not apologize, if the same has not been completed or not finished, by taste and/or if anything has happened bringing about either evaluation of certain structure or changing of example. 

 Keep record: 
                      When you hunt down an authority for a specific administration it is important to screen his past execution and the reputation on the specific administration. The record ought to incorporate the time allotment he is taking to finish a specific errand and his aptitudes in the field. On the off chance that fundamental we have to request the past clients contact points of interest to settle on the choice right one. He ought to have the capacity to tweak our thoughts on the work. While redoing the given expense of target ought not be ignored and he ought to have the capacity to tell the general expense of the administration before accepting the employment. Furthermore, especially the time span ought to be unmistakably said before he begins the occupation. On the off chance that it is not completed at the stipulated time the cost overheads will go past our financial plan and it can be said as botch. 

 Nature of work:
                      He ought to have the capacity to give the work quality materials and in the event that where are we giving the materials the wastage ought to be minimized to the most minimal levels. The completing ought to be great standard just. 

 Legitimate check: 
                          The contractual worker ought to be free from any court cases and other lawful matters. Grants and capabilities to be checked to carry out the employment successfully. In the event that anybody does the electrical work without legitimate confirmation from the powers, then the powers might dismiss the permit or pay on the work if anything turns out badly. 

 Joined exertion: 
                    The work must be finished with his experience and the proprietors thoughts are to be actualized with no deviation. Also, a legitimate assertion must be made to take the necessary steps and it needs to contain the work points of interest and the time allotment and the nature of the materials. Just with the consolidated endeavors the work would be done as per the general inclination of the proprietor and the quality relies on upon the contractual worker's experience. 

 Issue administration aptitudes: 
                                 On doing the administration or work it is important to have the capacity to handle the issues emerging on the specialized some portion of the administration.


Market value of the property,
Bangalore property value
Karnataka stamp act
guidance value for registration, 

Monday, 6 February 2017



Area is that the most huge aspect before the decision of a property. There shouldn't be a city region close, a range of love associated with the property or a channel line helpful. The point of looking for a property decides the circumstance. It ought to be for self-occupation as a house or for speculation reason. 

If there should be an occurrence of house/level for own occupation, a private neighborhood in a matter of seconds detached from the guts of town is attractive. Constantly pick endorsed designs by pertinent powers that alter an individual to ask every one of the offices at interims the format. 

While picking a merchant/promoter, you might want to appear into his diary. Just as you must select a dependable area merchant to locate a satisfactory space for the property. On the off chance that anybody offers property at a less costly rate as against the overarching market rate, then its best, since it ought to connect with beyond any doubt concealed issues, that are difficult to follow. 

The region should have very much created streets, keen channel and along these lines the community workers should do the trash freedom as often as possible. The Low-lying zones should be dodged as they get immersed all through rainstorm. 

The nearness and availability to figure place, schools, commercial center, doctor's facilities, railroad, mentor station and recreational focuses is essential. The area should have sufficient managing an account office. Recurrence of open movement, distinctive methods of transport, handiness of open phone stalls and so on., got the chance to be investigated. An area that is way|shortly detached from the in vogue offices and foundation and all things considered sufficiently far to dodge the contamination of town, is attractive. Like a region settled by tight, instructed and enlightened people of cosmopolitan viewpoint. Ensure that the domain isn't home to hostile to social parts. 
There shouldn't be any assembling plant or workshop especially those that include night shifts, inside of the quick neighborhood. This winds up in sound contamination and restless evenings beside touching the standard of the capacity give. The domain should have normal give of consumable water, power give and brilliant well water table for bore well. 

Offices like open park/garden for strolls are worth considering. The circumstance of a sanctuary, spot of love or church and profound foundations that sort out standard talks amid this time of anxiety and strain, may be an appreciated issue. Beside the on top of, the size of the plot to fit your financial plan and subsequently the admissible so much (Floor territory Ratio) is imperative. Vaastu is of individual inclination. 

In the event that the procurement is for venture reason, the likelihood of offering is that the vital issue. A creating space is attractive to a created soaked space. The interest in creating space is moderately low and worth thankfulness is extra. 

Non-accessibility of parking area and activity limitations adverse affects the value of the property. Availability to the railroad/transport stations, air terminal, star inns and handiness of framework offices assume a vital part. 


Market value of the property,
Bangalore property value
Karnataka stamp act
guidance value for registration, 

Sunday, 5 February 2017



You require a law mode at the top of the priority list bound parameters though picking a lender thus accept a call subsequently. It's really troublesome to actuate the best in everything about ensuing parameters thus some sort of bargain must be done on the reason of your needs. 

The parameters are said underneath: 

Sort and Tenor:

 Regardless of whether the lender is giving an advance item to fit your necessities. Regardless of whether the agent is giving the residency of advance that you simply are hunting down. 

Rate of Interest:

                This could rely on the sort of Rate of interest that you simply are hunting down i.e. mounted or variable rates of hobby. You need to ceaselessly look at the viable rate when taking under thought every immediate charge and so on furthermore the way of interest estimation. i.e. month to month lessening, yearly decreasing and so forth. 

Least and most Loan Amount:

 The base advance amount offered by an agent is indispensable to search out if the lender will back the amount you're looking for. Most HFIs have a higher breaking point on the amount that they'd money. In case you're hunting down a truly gigantic sum, this may be a component that must be considered. 

Least and most Age of Customer:

 you'll must be constrained to consider this issue to discover in the event that you coordinate into the age standards orchestrated around the HFI. This could moreover kind a parameter in your approach choosing a HFI to back the procurement of your home. 

Greatest Permissible LTV Ratio:

 the most extreme credit that you just would get as respects the value of your home must be looked at. THE parts of the value would even be crucial. 

Least Income:

 The monetary profit standards of the HFI are a pertinent parameter that will affect your call. 

Prerequisite of private warrantors: 

Some HFIs execute a private Guarantor. You might want to analyze this out in the event that you have any reservations in regards to giving a warrantor. 

Necessity of Co-proprietors:

 If you plan to look for your home close by a co-proprietor, you'll must be constrained to check regardless of whether the HFI acknowledges the association in the middle of you furthermore the co-proprietor. 

Necessity of Co-candidate: 

As specified for co-proprietors, the HFI can likewise execute exclusively bound connections as association your application as a co-candidate. This must be checked while choosing a lender. 

Pre-Payment Charges: 

Some HFIs charge bound defrayment charges once you mastermind to pay your credit either mostly or completely. 

Preparing Fees: 

HFIs charge bound expenses as procedure charges that you simply can must be constrained to pay at the season of accommodation of utilization. 

Authoritative Fees: 

As specified on top of, HFIs also charge body expenses on the credit amount that has been endorsed by the HFI. This could shift from one HFI to an alternate. 

Credit Documents: 

the sort of credit reports that HFIs execute before affirming your advance would contradict from one HFI to an alternate. 

Most extreme time of property at the season of use:

 If you're looking for a property on resale, this parameter would be an essential one as HFIs may have a point of confinement on the age of the property at the season of dispensing the credit. 

Pre-endorsed property list:

 Most HFls have a pre-affirmed rundown of properties open that the documentation would be less demanding. 

Pre-endorsed rundown of bosses: 

HFIs may have extraordinary rate in case you're a laborer of 1 of its most very much preferred rundown of businesses. 

Pre-affirmed manufacturers and comes list: 

HFIs can likewise have totally distinctive standards of documentation in case you're looking for a property in any of their pre-endorsed rundown of developers. HFIs, as specified on top of for manufacturers, can likewise have separate plans absolutely comes. 

Pre-affirmed Professionals list: 

HFIs may have bound plans to suit clients of bound callings

The aforementioned territory unit some of the parameters that you simply can must be constrained to consider before choosing your lender. Getting a lender who might give you the best on the whole of the above parameters is about impractical. You would, thusly, must be constrained to decide your needs and determine the status of that lender would furnish you with the best probability.


Bangalore property value, 
Karnataka stamp act
guidance value for registration, 

Friday, 3 February 2017



The premise on which sinking asset commitment is settled: 

Each building has its ordinary life. Its life is reached out by some more years via completing certain repairs. It is however hazardous to proceed in control of the building which has run its life. A Co-agent lodging society has along these lines to reproduce the building after it has run its life. As it might be troublesome for any co-agent lodging society to raise the assets for reproducing the building from its individuals in a short spell of time, it gets to be important to set up a Sinking Fund right from the beginning of society. A procurement has, in this manner, been made in the bye-laws, empowering a co-agent lodging society to gather commitment towards this asset from its individuals at an altered rate for every month. The rate settled under the bye-laws is ¼ per penny per annum of the expense (b) A level incorporates a godown, showroom shop or a carport. It might be noticed that the commitments at the rate said above are to be gathered just on the expense of development and the estimation of the area incorporated into the expense of development must be barred. A building sinks in course of time because of its wear and tear yet the area stays as it is regardless of the possibility that the building breakdown. 

The technique for finding out the expense of development of a level in a level proprietors' general public: 

In the event of an open plot sort co-agent lodging society (which has bought or taken a real estate parcel on lease and built building/structures consequently) it is not hard to work out the expense of development of a level just. The trouble in working out the expense of development of a level emerges in specific cases, especially the level proprietor's general public (in which pads are taken by buyers under understandings under area 4 of the Maharashtra Owners Flats (Regulation of the Promotion of Construction, Sale, Management and Transfer) Act 1963. A manufacturer promoter offers the pads on distinctive events to diverse buyers at diverse costs, despite the fact that the pads are of indistinguishable sizes and there is no distinction in the kind of development and the comforts gave. The cost paid for a level proportionate land likewise and further that the expense of development of a level is not on the premise of actuals. In dominant part of cases the genuine cost paid by a buyer is more than that specified in the understanding. It would in this manner not be right to recoup commitment from individuals at the altered rate towards the Sinking Fund on the premise of worth appeared in the understandings. The developer may be most unwilling to give the genuine expense of development. A Co-agent society has in this way to utilize the office of a draftsman or a valuer, designated in the general body meeting of the development of the building and allot such cost amongst expenses of a level so landed at may be taken as the premise for settling the measure of commitment to the sinking asset in admiration of the level/shop/carport and so forth., 

Venture of sinking asset commitment with premium earned consequently: 

Venture of Sinking Fund made Obligatory: 

The sum in the sinking asset is required to be used when the recreation of the building is expected. This is a long stretch. Amid this period the commitment got from individuals by a general public ought to stand contributed on long haul premise so that such a venture will get generous come back to the general public. According to Bye-law No.15 and Section 70 of M.C.S.Act. 1960. Notwithstanding, the social orders which have not embraced the new procurement, in regards to venture of sinking asset commitment on long haul premise, need not put off the inquiries of the said bye-law in light of the fact that it is to their greatest advantage to guarantee that the commitments are gotten from individuals towards sinking asset on long haul premise every once in a while. 

The requirement for contributing enthusiasm on Sinking Fund Investment

It is conveyed to the notification of the Co-agent lodging social orders that in the event that they continue contributing just the commitment from individuals towards sinking asset at the rate of ¼ per penny per annum of the expense of development of the pads and use the premium earned on such interests in their organizations, the aggregate sum to the production of sinking asset won't be adequate to meet the expense of remaking of the building just if the sinking asset is contributed on long haul premise, alongside the premium earned on such speculation. 

Methods of speculation of Sinking Fund: 

A co-agent lodging society can put its asset in the State Co-agent Bank i.e., the Maharashtra State Co-agent Bank Ltd., Bombay or the area Co-agent Bank i.e., the Bombay District Central Co-agent Bank Ltd., of the securities determined under segment 20 of Indian Trusts Act. Despite the fact that the Registrar can allow Co-operation. Lodging Societies to put their assets in the National banks or other business banks or the Urban Co-agent Banks

This office is given just to facilitate everyday managing an account exchanges. A long haul venture has, along these lines to be made by Co-agent Housing Societies with both of the two banks named previously. All Co-agent Housing Societies ought to along these lines, take note of that they need to contribute their sinking asset accumulation is one of the above two banks. So far as securities under segment 20 of the Indian Trustees Act are concerned, the rundown of the securities in which Co-agent lodging can put their sinking asset is distributed in the new bye-law.

Bangalore property value,
Karnataka stamp act,
guidance value for registration,

Thursday, 2 February 2017



Testamentary Document or a testament means a document made by a person whereby he disposes of his property but unlike a disposal inter vivo, it is unilateral and comes into effect on his death, and therefore, the document comes into effect on the death of the testator only.

A WILL or testament is defined as a ‘declaration, made in accordance with the formalities required by statute, of the intention of the person making it with regard to the matters which he wishes to take effect upon or after his death. Until then, it is an inchoate or ambulatory document which can be revoked, modified or substituted by another such document.

‘WILL’ is defined in Section 2 (1) of the Indian Succession Act, 1925 as the ‘legal declaration of the intention of a testator with respect to his property which he desires to be carried into effect after his death’.

A will must deal with the intention of the testator as to how his property is to be dealt after his death. If such an intention is disclosed and the property is also dealt with, it is a will, but not otherwise, by whatever name it is called, and provided it is executed as required by the Law.

A will has no standard form but generally the contents of a will fall under the following heads:

(1) Name, address, age, occupation and community of the testator;
(2) Clause revoking all previous wills and other testamentary documents;
(3) Clause appointing executors, and trustees.

There is no maximum limit prescribed under Indian Law as to their number unlike English Law where the maximum limit prescribed is four under Section 160 of the

But as far as possible the number of executors should not exceed three.
(4) Then will come the clause mentioning specific bequests followed by two clauses:
      (a) one containing general bequest; and
      (b) the second containing residuarybequest.
The last one is very necessary otherwise if any property is not generally or specifically dealt with, the testator may be considered as having died intestate in
      respect thereof.
(5) A clause is also inserted stating that the testator is in sound health and proper state
      of understanding though that clause has not much value;   
(6) The last clause is about the testimonium and attestation;
(7  Date of the will can be given in the beginning or at the end, the latter being the standard practice.

So far as Muslims are concerned, the provisions of Part VI of the Succession Act, containing Sections57 to 191 and which deal with execution of a will, the construction of the provisions of a will and the different types of legacies do not apply to Muslims in India. Sections 211 and 212 of Part VI of the Succession Act also do not apply to Muslims in India.

Therefore, so far as matters such as power to make a will, nature of the will, execution and attestation thereof etc., are concerned, the Muslims in India are governed by the Muslim Personal Law. Under that Law, a Muslim can make a WILL orally or in writing and no form is required for such writing. If the Will is in writing it need not be attested. A person who is a major and of sound mind can make a will and he can dispose of his all or any part of his property by will.  

However, there are two basic restrictions on the power of a Muslim to make a will namely:

1.a bequest to an heir is not valid except to the extent to which the persons who are heirs of the testator, at the time of his death, expressly or impliedly consent to the bequest after his death; and

2.Muslim cannot dispose of his property to a person who is not his heir in excess of one third part thereof, except in cases such as
(i) where such excess is permitted by a valid custom;
(ii) where there are no heirs of the testator;
(iii) where the heirs existing at the time of the testator’s death have consented to such bequest after his death; and
(iv) where the only heir is the husband or the wife and the bequest of such excess does not affect his or her share.

Any legacy bequeathed in such excess will abate according to the rules of the Law.A Muslim may change his will during his life time or cancel his legacy.A will may also become void if the testator, after making the will, becomes of unsound mind and continues to be so till his death.Similarly, a bequest which is contingent, or conditional or in future or is alternative would be void.


Bangalore property value, 
Stamp duty & registration charge,
Karnataka stamp act
Guidance value for registration, 

Wednesday, 1 February 2017



Open as a rule oftentimes utilize encumbrance authentications in property exchanges on the grounds that the sole confirmation to set up free and attractive title of the vender. They're underneath the feeling that the encumbrance declaration would unveil every one of the expenses made on a property. Yet, it's not in this way. There is additionally numerous sorts of encumbrances, which can not be reflected inside of the encumbrance declaration. Applying for encumbrance authentication is to be submitted at the regional Sub-Registrar's working environment underneath whose locale the property falls. The endorsed structure for getting an encumbrance authentication is Form No.22

Keeping in mind the end goal to actuate a right and legitimate authentication, it's critical that the candidate ought to unmistakably specify inside of the application the sum that the encumbrance testament is required, watchful depiction of the property, its estimations, limits, furthermore the one that is applying. The encumbrance year starts from April first of a logbook and closes on March thirty first of taking after date-book year. Any part of the encumbrance year pulls in charge for the complete year. The charge recommended is for single property and per individual structure. 

Structure No.15 or 16 

The encumbrance declaration is issued either in sort No. 15 or 16. In the event that the property doesn't have any encumbrance all through the genuine sum that encumbrance authentication is needed, then encumbrance endorsement in sort No.16 are issued i.e., Certificate of nil Encumbrance are issued. On the off chance that the property has any encumbrance enlisted all through the genuine sum that encumbrance declaration is needed, then encumbrance authentication in sort No.15 are issued. The authentication in sort No.15 unveils the records enrolled in appreciation of the property, the gatherings to the deed, way of encumbrance, sums secured or executed inside of the same deed, enlisted assortment of the report, book no., volume no., and date. 

The encumbrance authentication issued dependably is inside of the dialect amid which lists territory unit prepared particularly Registrar or Sub-Registrar's working environment. In the event that the lists aren't in English furthermore the spirit needs endorsement to be prepared in English, then the solicitation of the spirit are consented to the degree feasible. In territory, now handled encumbrance declarations zone unit issued. 


In spite of the fact that an encumbrance authentications reveals every enlisted encumbrance on a chose property all through a sum, its bound constraints. The Encumbrances uncovered inside of the declaration zone unit for the sum that endorsement is issued and encumbrance made all through the sum past this time or all through the later period isn't reflected inside of the authentication. The encumbrance testament is issued in admiration of the property as watchful inside of the structure and not according to the enrolled records of the property. In this way, if the framework of the property spoke to inside of the application doesn't coordinate with the little print of the property as appeared inside of the enlisted archives, then points of interest of such records aren't reflected inside of the encumbrance declaration. 

The encumbrance authentication uncovers the encumbrances made by reports that zone unit enlisted in an exceedingly express working environment. In distinctive words, it's the concentrate of the property register kept up inside of the Sub-Registrar's working environment furthermore the archive that isn't enlisted and wherever underneath any charge is shaped doesn't get reflected inside of the encumbrance testament. Further, there are a unit bound archives that enlistment isn't required however enrollment is nonmandatory. These records grasp authority archive reports, archive making lease for a measure of not surpassing one year, any declaration or request of a court, or recompense. Since these exchanges aren't compulsorily enrolled prepared, they are doing not see any notice in encumbrance endorsement. 

Horticultural Land 

Horticultural terrains territory unit regularly familial. The change of ownership is recorded in income records, transformation register of town panchayath. Such changes of ownership aren't enlisted. Naturally encumbrance declarations don't reflect verity ownership of the agrarian area. R.T.C, Mutation concentrates give complete points of interest of correction of ownership, subtle elements of ownership, transformation of horticultural area to non-farming capacities. Consequently, it's higher to demand and trust RTC and change separates just if there should be an occurrence of rural terrains moreover to the encumbrance declaration. 

It is persistently sensible to get encumbrance declarations for a base measure of forty three years and to confirm regardless of whether the encumbrance endorsement is issued for the whole measure of your interest and regardless of whether it contains the limits furthermore the estimations of the property, mark of enlisting power furthermore the work environment stamp aside from uncovering the names furthermore the mark of the persons who have looked and checked the records of the property. It's moreover sensible for the planned buyer of property to analyze the property in individual and to confirm and guarantee that the beginning title records range unit available with the dealer. Also to the present, some additional protections like paper notice, watching out in jurisdictional courts for any pending cases might moreover be embraced to shield the hobbies of the vendee. 

It is recommended that for following the reasonable and attractive title of the property, the buyers mustn't in the primary trust the encumbrance testament issued by the Registrar or Sub-Registrar's office, however ought to look at all changed significant reports, similar to title deeds, most recent khata authentication, khata concentrate, and expense paid receipts.


Market value of the property,
Bangalore property value
Karnataka stamp act
guidance value for registration, 

Tuesday, 31 January 2017



In recent times, dealings in real estate in Bangalore have been at the peak. Predominant reason for this is the growth of IT sector and the eagerness of the people to invest their money in real estates in and around Bangalore. As the realestates require huge investments, the purchaser has to take necessary precautions before investing his money to save himself from future complications. If the property transferred suffers from any defect in the title of the vendor, the purchaser does not get good and marketable title. Therefore, the purchaser has to make doubly sure before finalizing the deal, that the vendor has got a valid and marketable title. 

Marketable Title:

The term “Marketable title” means a title which is clear and free from reasonable doubts and is a title good against everybody. Thus, it is the title which establishes full ownership of the vendor to the property intended to be conveyed, without reasonable doubt. A buyer is not bound to complete the sale if there are defects in the title to the property which are material and latent. The defect to be material, it is to be of such a nature that if the purchaser were aware of it he would not have entered into the contract of sale at all. 

Doubtful or defective title:

A title is said to be doubtful when the vendor does not have any conclusive evidence to prove the ownership. The defects in title are generally latent defects which can be found only on investigation of title by perusal of documents, by an eminent advocate,carrying out searches of Government Departments and Municipal records and by making reasonable enquiries. The vendor is bound to disclose such latent defects known to him. 

A title becomes doubtful:

1.Where the doubt arises by reason of some uncertainty in law itself;

2.Where the doubt pertains to the application of some settled principle or rule of law.

3.Where a matter of fact upon which a title depends is either not in its nature capable of satisfactory proof or is capable of such proof but yet not satisfactorily proved.

The ownership of the vendor to the property intended to be sold, must be the property traceable from the previous title deeds commencing from the Deed which can be considered as a good root of title and for this purpose at least 30 years previous title would need to be verified. The property should have already been properly transferred from all predecessors-in-title and no third person other than the Vendor should have any right or claim thereto.

Thus, for example, if ‘A’ has sold the property to B and if it is found that the property under sale belonged to a Hindu Joint Family property and ‘A’ has sold it neither for legal necessity nor after obtaining the consent from Co-Parceners, then the property sold to ‘B’ is said to be defective.

The following are a few instances where the title cannot be termed as defective:

-An omission to disclose a prior agreement for sale by the Vendor is not a defect in title.

-Title by adverse possession is marketable and not a defective title, if proper title by such possession can be successfully made out. A title may be good although there are no Deeds but there must have been such a long uninterrupted possession, enjoyment and dealing with the property as to form a reasonable presumption that the title is absolute .

-Loss of title deed is not a defect, if the loss can be explained satisfactorily.

Defect in property:

Defect in property is different from the defect in title. A defect in the property only prejudices the purchaser in the physical enjoyment of the property but the defect in title exposes the purchaser to adverse claims. This difference has been enunciated in Section 55 (1) (a) of the Transfer of Property Act, which provides that the vendor is bound to disclose to the purchaser any material defect in the property or in the vendor’s title. The defects in property are generally patent defects which can be seen on an inspection of the property and the Vendor need not disclose the same so long as the same does not lead to defect in title.

Root of title:

In investigating title and in considering whether the title is marketable and free from reasonable doubts, it is necessary to find out the root of the title. Documents are considered as root of the title. A good root of title is a document purporting to deal with the entire property conveyed, which does not depend upon the validity of any previous instrument and without inviting any suspicion on the title of the Vendor. It may also be described as a document of transfer of property showing nothing to cast any doubt on the title. An instrument, the effect of which depends on some earlier document is considered as an instrument with insufficient root of title. In India, there is no law which stipulates statutory period for examination of root or commencement of title. However, it is advisable to investigate the title for a minimum period of 30 years unless the circumstances warrant production of documents beyond 30 years.

Though our law makes it obligatory on the part of the vendors to disclose the defects in title before the sale of a property, purchasers have also to exercise due diligence and investigate the title of the property before purchasing the same, to avoid future complications.


Bangalore property value,
stamp duty & registration charge,
Karnataka stamp act,