Title deed, mutation, encumbrance certificate, RERA registration — what each one proves, and the red flag hiding in each.
A property transaction in Haryana is a documentary exercise. If the paper is clean, the deal is clean. Here is the list we run on every property before it goes on our books.
Start with the mother deed and the chain of title going back thirty years. Gaps in the chain are the most common defect, and they are usually explained away as "the old owner lost it." That explanation is never good enough.
Then the mutation (intkaal) record, the encumbrance certificate from the sub-registrar, the approved building plan, the occupancy certificate, and — for anything sold as under-construction — a live RERA registration number you can verify on the Haryana RERA portal yourself.
The red flag we see most often: a seller who will show you photocopies but has a reason why the originals are unavailable this week. Walk away. There is always another property.
This article is general information, not financial, legal or investment advice. Property markets move and individual circumstances differ. Please take professional advice on your own situation before acting on anything here.
