Before you buy any property in 2026, verify these nine documents — from the title deed to the sale agreement. A clean title today saves years of trouble tomorrow.
Buying a property is one of the biggest decisions you will make — and in real estate, the paperwork is everything. Before you pay a rupee, insist on seeing and verifying these nine documents. A clean title today saves years of trouble tomorrow.
1. Title Deed The title deed is proof that the seller legally owns the property and has the right to sell it. Verify that the name on the deed matches the seller, and trace the chain of ownership back at least 30 years to be safe.
2. Encumbrance Certificate The Encumbrance Certificate (EC) confirms the property is free of legal or financial liabilities such as an outstanding mortgage or unpaid loan. Obtain the EC for the last 15–30 years from the sub-registrar's office.
3. Occupancy Certificate Issued by the local municipal authority, the Occupancy Certificate (OC) certifies that the building was constructed as per the approved plan and is fit to occupy. Never take possession of a built property without it.
4. Property Advocate's Title Opinion An independent property advocate examines all documents and issues a written title opinion confirming the property's legal standing. This third-party legal check is your strongest safeguard.
5. RERA Registration For projects that fall under the Real Estate (Regulation and Development) Act, verify the RERA registration number on your state's RERA portal. It confirms the project is legally registered and lets you check approvals and timelines.
6. e-Khata Certificate The e-Khata (electronic khata) records the property in the municipal register for tax purposes and confirms the property is legally recognised by the local body. Ensure the khata is transferred to your name after purchase.
7. Property Tax Receipts Recent property tax receipts prove that all dues are paid up to date and that the property is registered with the municipal corporation. Unpaid taxes become your liability after purchase.
8. Approved Building Plan The sanctioned building plan, approved by the local development authority (BMRDA / DTCP / BBMP), confirms the construction is legal. Any deviation from the approved plan can lead to penalties or demolition.
9. Sale Agreement The sale agreement records the agreed price, payment schedule, timeline and the responsibilities of both parties. Read every clause carefully — this is the document that protects you if anything goes wrong.
The bottom line At GangaSagar Properties, every project we take to market is one where these checks are already complete — and we hand you the full document set at registration. If you are buying elsewhere, use this list as your checklist. When in doubt, involve a property advocate before you sign.
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