Diligence

Why we never accept the seller's encumbrance certificate

A printed EC or RTC can be altered in minutes. A certificate pulled independently from Kaveri 2.0 or Bhoomi cannot. This is the single cheapest fraud in the market, and the single cheapest defence against it.

There is a category of land fraud in this market that requires no forgery ring, no corrupt official and no sophistication whatsoever. It requires a printed document and image editing software. A name gets changed. A subsisting mortgage entry gets erased. The document is then handed to a buyer who has no particular reason to doubt it.

The defence is procedural, not forensic

You do not need to be able to detect a doctored document. You need to never rely on one. The encumbrance certificate is available to be pulled independently through Kaveri 2.0, at a cost measured in tens of rupees. The RTC is available as a digitally signed i-RTC through the Bhoomi portal. Both take a day or two. Neither requires the seller's cooperation.

What the record actually shows

The EC shows the transaction history registered against the property. The RTC shows the current revenue position — who the record says holds it, and what the extent is. The e-Khata shows the municipal position. Each answers a different question, and a gap between any two of them is the finding, not an inconvenience.

The online record does not reach all the way back

Post-2004 encumbrance records are generally available online in Karnataka. Earlier periods require a manual search at the Sub-Registrar office. A thirty-year search therefore has an online component and a physical component, and a diligence report that quietly omits the physical component has not done a thirty-year search.

The mutation timing tell

One pattern worth internalising: a mutation recorded unusually recently, shortly before a sale is proposed, is worth cross-verifying independently at source. It is frequently innocent. When it is not, it is the whole problem.

Apply it to your parcel

General is useful. Specific is what you are paying for.

Send a survey number and we will tell you which of the above actually binds on your land, free, in a couple of days.

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