Legal Documentation Checklist: 15 Documents to Verify Before Buying Any Property

Why Legal Due Diligence is Non-Negotiable

Property fraud costs Indian buyers thousands of crores annually. Simple legal verification can save you from a lifetime of regret. Here is your complete checklist.

The 15 Documents Checklist

1. Title Deed (Sale Deed)

The most important document proving ownership. Verify it at the Sub-Registrar office.

2. Encumbrance Certificate (EC)

Shows all transactions and liabilities on the property. Get EC for minimum 30 years.

3. Khata Certificate & Extract

Municipal document showing property entry in government records. Required for loans.

4. RERA Registration Certificate

Mandatory for projects with 8+ units. Verify on state RERA portal.

5. Building Plan Approval

Sanctioned plan from local municipal authority. Check if actual construction matches approved plan.

6. Completion Certificate (CC)

Issued when construction meets approved plan. Without CC, property is illegal.

7. Occupancy Certificate (OC)

Confirms property is fit for occupation. Banks require OC for home loans.

8. Property Tax Receipts

Confirm no pending dues. Check last 5-10 years receipts.

9. NOC from Society/Builder

For resale apartments, get NOC confirming no pending dues.

10. Legal Opinion

Hire a qualified real estate advocate to give written legal opinion on title clarity.