Date: 10-11-2020

ANNEXURE – B:
REPORT OF INVESTIGATION OF TITLE IN RESPECT OF IMMOVABLE PROPERTY .
(All columns/items are to be completed/commented by the panel advocate)
1 a)Name of the Branch/ Business Unit/Office seeking State Bank Of
India
opinion.
Thirupapuliyur
branch
b) Reference No. and date of the letter under the At request of the
cover of which the documents tendered for scrutiny Branch Manager /
head
are forwarded.
c) Name of the Borrower. M/s. Hariharan
Dhali Mill.,
represented by its
managing partner
Mr.Krishnamurthy
S/o.Govinsamy
Chettiar,
2. a)Name of the unit/concern/ company/person Individual
offering the property/ (ies) as security.
b)Constitution of the unit/concern/ person/body
owner
/authority offering the property for creation of
charge.
c)State as to under what capacity is security offered Borrower
(whether as joint applicant or borrower or as
guarantor, etc.)
3. Complete or full description of the immovable Referred below
property/ (ies) offered as security including the
following details.
(a) Survey No. Referred below
(b) Door/House no. ( in case of house property) Referred below
(c) Extent/ area including plinth/ built up area in Referred below
case of house property
(d) Locations like name of the place, village, city, Referred below
registration, sub-district etc. Boundaries.

Schedule of Property:
ItemNo:1
Cuddalore R.D., Vadalur-Sub R.D., within the limits of Kurinjipadi
Panchayat union Ayan Punjai survey No.503/2 & 502 and new survey
no.51/1 (survey No.15/1A/1A as per Sub-division) Thillai nagar, Plot
No.202, 203 & 204 measuring 90 feet in east-west and 60 Ft. in south-
Page 1 of 20
 north to the extent of 5400 Sq.ft., within the boundaries of west of plot
No.205, east of plot no.201, south of layout road and north of plot No.207,
208 & 209.

Item No:2
In cuddalore R.D., Vadalur- sub R.D., within the limits of Kurinjipadi
panchayat union, Ayan punjai survey No.503/2 & 502 and new survey
No.15/1 (survey no.15/1A/1A as per Sub-division) Thilai nagar, plot No.2,
measuring 100 feet in east-west and 20ft in south –north to the total
extent of 2000 sq.ft., within the boundaries of west of 23 feet wide road,
east of kumbakonam road, south of plot No.1, north of plot No.3.
. a). Particulars of the documents scrutinized-serially and
chronologically.
b). Nature of documents verified and as to whether they are
originals or certified copies or registration extracts duly
certified.
Note: Only originals or certified extracts from the
registering/land/ revenue/ other authorities be examined.
Sl. Date Name/ Nature of the Original/ In case of
No. Document certified copies,
copy/ whether the
certified original was
extract/ scrutinized
photocop by the
y, etc. Advocate.
1. 30.07.1972 Sale deed executed by Photo Photo copy
Kridhnamurthy, copy verified
verified
K.Prasamma venkatachalam,
K.ashok,
K.P.Ramasubramanian, 2 &
3 through power agent and
her mother Akkama
Krishnamurthy to and in
favour of Seethalakshmi,
which is registered as
Doc.No.1661 /1972. (for
item No.1)
2. 10.07.2010 Legal heir certified Photo Photo copy
identifying that copy verified
verified
(1).Gopalakrishnan, (2).Jothi

Page 2 of 20
 and (3).Rajalakshmi are
legal heirs of deceased
Seethalakshmi, which is
issued by the village
Administrative officer
Panruti, cuddalore district.
(for item No.1)
3. 31.12.1997 Deed of general power of Photo Photo copy
Attorney is executed by copy verified
verified
(1).Gopalakrishnan, (2).Jothi
and (3).Rajalakshmi to and
in favour of sathishkumar.
Which is registered as Doc.
No.80/1997(for item No.1)
4. 02.11.1998 Sale deed executed by (1). Original Original
Gopalakrishnan, (2) Jothi verified verified

and (3). Rajalakshmi

(principal) through their
attorney Mr.Sathishkumar
(agent )to and in favour of
Krishnamurthy which is
registered as Doc.
1827/1998 (for itemNo.1)
5. 30.06.1972 Sale deed in the name of Photo Photo copy
Sachildanandham which is copy verified
verified
registered as Doc.No.1951 /
1972 (for item No.2)
6. 24.03.1980 Sale Deed In The Name Of Photo Photo copy
Sachildanadham Which Is copy verified
verified
Registered As Doc.
No.634/1980.(for item no.2)
7. 09.11.1998 Deed of General Power Photo Photo copy
Attorney executed by copy verified
verified
Sachidanandham to and in
favour of Jayavenkataraman
which is registered as Doc.

Page 3 of 20
 No.92/1998 (for item No.2)
8. 26.03.2002 Sale deed executed by Original Original
Sachidanandham ( principal) verified verified

through his power agent

Mr.Jayavenkattraman
(agent) to and in favour of
Mr.Krishnamurthy, which is
registered as Doc.No.1087 /
2002 (for item No.2)
9. 29.06.2010 E.C. for the period of 23- Certified Certified
years from 01.01.1987 to copy copy verified
verified
28.06.2010 (E.C.No.2012
/2010)
10 14.03.2013 MOD (Mortgage by deposit Original Original
of title deed) executed by verified verified

Mr.Krishnamurthy to and in
favour of State Bank of India
which is registered as
Doc.No.743/2013, dated
14.03.2013
11. 15.06.2017 E.C .for the period of the 8- Certified Certified
years from 01.01.2010 to copy copy verified
verified
14.06.2017 (E.C.No.2196
/20170
12. 24.03.2016 MOD (Mortgage by deposit Original Original
of title deed) executed by verified verified

Mr.Krishnamurthy to and in
favour of State Bank of India
which is registered as
Doc.No.1016 /2016
13. 10.11.2020 E.C. for the period from Downloa Downloaded
01.01.2016 to 09.11.2020 ded verified in
verified online portal
downloaded from and
in online tnreginet
verified in online portal portal
tn.reginet tnreginet
5. a) Whether certified copy of all title documents are obtained NO
from the relevant sub-registrar office and compared with
Page 4 of 20
 the documents made available by the proposed mortgagor?
(Please also enclose all such certified copies and relevant
fee receipts along with the TIR.)
b) i) Whether all pages in the certified copies of title NO
documents which are obtained directly from Sub-
Registrar’s office have been verified page by page with the
original documents submitted?
b) ii) Where the certified copies of the title documents are Not
not available, the copy provided should be compared with applicable
the original to ascertain whether the total page numbers in
the copy tally page by page with the original produced.
(In case originals title deed is not produced for comparing
with the certified or ordinary copies should be handled
more diligently & cautiously.)
6. a) Whether the records of registrar office or revenue Yes
Encumbranc
authorities relevant to the property in question are
e Certificate
available for verification through any online portal or
computer system?
b) If such online/computer records are available, whether Yes
any verification or cross checking are made and the
comments/ findings in this regard.
c) Whether the genuineness of the stamp paper is possible Not
applicable
to be got verified from any online portal and if so whether
such verification was made?
7. a) Property offered as security falls within the jurisdiction SRO, Vadalur
of which sub-registrar office?
b)Whether it is possible to have registration of documents No
in respect of the property in question, at more than one
office of sub-registrar/ district registrar/ registrar- general.
If so, please name all such offices?
c)Whether search has been made at all the offices named at Not
applicable
(b) above?
d)Whether the searches in the offices of registering No
authorities or any other records reveal registration of
multiple title documents in respect of the property in
question?
8. Chain of title tracing the title from the oldest title deed to
the latest title deed establishing title of the property in

Page 5 of 20
 question from the predecessors in title/interest to the
current title holder. And wherever Minor’s interest or
other clog on t
itle is involved, search should be made for a further period,
depending on the need for clearance of such clog on the
Title.
In case of property offered as security for loans of
Rs.1.00 crore and above, search of title/ encumbrances
for a period of not less than 30 years is mandatory.
(Separate Sheets may be used)
FLOW OF TITLE:
Flow on Title:
Item No.1

(1). The above mentioned schedule of property originally with larger extent and
belonged to seethalakshmi, who purchased from K.Prasanna,
venkatachalam, K.Ashok, K.P.Ramasubramanian , 2 & 3 rep by her mother
akkamma Krishnamurthy on 30.06.1972 by a sale deed which is registered as
Doc.No.1661/1972.

(2). Subsequently Seethalakshmi died intestate leaving behind her legal heirs
are Gopalakrishnan, Jothi and Rajalakshmi as her legal heirs namely
Gopalkrishanan , Jothi and rajalakshmi. Subsequently on 31.12.1997 the
above said 1.)Gopalakrishanan, 2.)Jothi and 3).Rajalakshmi executed a deed
of general power of Attorney to and in favour of sathishkumar, which is
registered as Doc.No.80/1997.

(3). Subsequently on 02.11.1998 (1).Gopalkrishanan, 2).Jothi and

3).Rajalakshmi (principal) through their attorney Mr.Sathishkumar (agent)
executed a sale deed to and in favour of Mr.Krishnamurthy in respect of plot
No.202, 203, and 204 which is registered as document No.1827/1998 and the
same property is offered herein for security for loan by the applicant herein.

Item No.2:

(4). The above mentioned 2nd item of property was originally belonged to
Schdnandham which is registered as sale deed document no.1951/1972 dated
30-06-1972 and document No.634/1980 dated 24-03-1980 herein.

Page 6 of 20
(5). Subsequently Mr.sachidanansham executed a deed of General power of
attorney to and in favour of Mr.Jayavenkatraman(agent), which is registered
as doc.no.92/1998, dated 09.11.1998.

(6).Subsequently Mr.Sachidnandam (principal) through his agent

Jayavenkatraman (agent) executed a sale deed to and in favour Krishnamurthy
on 26-03-2002, which is registered as doc.no.1087/2002 and the same is offered
for security by the present applicant for loan and the same.

(7). Thereafter Mr.Krishnamurthy has Obtained loan from SBI thereby MOD
(Mortgage by deposit of title deed) executed by Mr.Krishnamurthy to and in
favour of State Bank of India which is registered as Doc.No.743/2013, dated
14.03.2013

(8). Subsequently Mr.Krishnamurthy has Obtained top up/ Enhanced loan from
SBI, thereby Applicant Mr.Krishnamurthy has Executed Registered MOD to in
favour of State Bank of India Vide Doc No.743/2013 & 1016/2016 dated
24.03.2016.

(9). Encumbrance Certificate (E.C.No.2012/2012) (E.C.No.2196/2013) for the

Period from 01.01.1987 to 09.11.2020 issued by SRO Vadalur was Produced
Shows that the Scheduled Property was free from all Encumbrance Certificate.

(10). Hence I am of the opinion that (Applicant/ Borrower)

Mr.Krishnamurthy S/o.Govinsamy Chettiar, has possesses a clear, absolute
valid marketable title right and interest over the property
9. Nature of Title of the intended Mortgagor over the
Property (whether full ownership rights, Leasehold
Rights, Occupancy/ Possessory Rights or Inam
Holder or Govt. Grantee/Allottee etc.)
10. If leasehold, whether; Not Applicable
a)lease Deed is duly stamped and registered Not Applicable
b)lessee is permitted to mortgage the Leasehold Not Applicable
right,
c)duration of the Lease/unexpired period of lease, Not Applicable
d)if, a sub-lease, check the lease deed in favour of Not Applicable
Lessee as to whether Lease deed permits sub-leasing
and mortgage by Sub-Lessee also.
e)Whether the leasehold rights permits for the Not Applicable
creation of any superstructure (if applicable)?
Page 7 of 20
 f)Right to get renewal of the leasehold rights and Not Applicable
nature thereof.
11. If Govt. grant/ allotment/Lease-cum/Sale No
Agreement, whether;
grant/ agreement etc. provides for alienable rights to Not Applicable
the mortgagor with or without conditions,
the mortgagor is competent to create charge on such Not Applicable
property,
whether any permission from Govt. or any other Not Applicable
authority is required for creation of mortgage and if
so whether such valid permission is available.
12. If occupancy right, whether;
a)Such right is heritable and transferable, Yes
b)Mortgage can be created. Yes
13. Nature of Minor’s interest, if any and if so, whether Not applicable
creation of mortgage could be possible, the
modalities/procedure to be followed including court
permission to be obtained and the reasons for
coming to such conclusion.
14. If the property has been transferred by way of Not applicable
Gift/Settlement Deed, whether:
a) The Gift/Settlement Deed is duly stamped and Not applicable
registered;
b) The Gift/Settlement Deed has been attested by Not applicable
two witnesses;
c) The Gift/Settlement Deed transfers the property Not applicable
to Donee;
d) Whether the Donee has accepted the gift by Not applicable
signing the Gift/Settlement Deed or by a separated
writing or by implication or by actions;
e) Whether there is any restriction on the Donor in Not applicable
executing the gift/settlement deed in question;
f) Whether the Donee is in possession of the gifted Not applicable
property;
g) Whether any life interest is reserved for the Donor Not applicable
or any other person and whether there is a need for
any other person to join the creation of mortgage;
h) Any other aspect affecting the validity of the title Not applicable
passed through the gift/settlement deed.
15. (a).In case of partition/family settlement deeds, Not applicable

Page 8 of 20
 whether the original deed is available for deposit. If
not the modality/procedure to be followed to create
a valid and enforceable mortgage.
(b).Whether mutation has been effected and whether Not applicable
the mortgagor is in possession and enjoyment of his
share.
(c).Whether the partition made is valid in law and Not applicable
the mortgagor has acquired a mortgagable title
thereon.
(d).In respect of partition by a decree of court, Not applicable
whether such decree has become final and all other
conditions/ formalities are completed/ complied
with.
(e).Whether any of the documents in question are Not applicable
executed in counterparts or in more than one set? If
so, additional precautions to be taken for avoiding
multiple mortgages?
16. Whether the title documents include any Not applicable
testamentary documents /wills?
(a) In case of wills, whether the will is registered
will or unregistered will?
(b) Whether will in the matter needs a mandatory Not applicable
probate and if so whether the same is probated by a
competent court?
(c) Whether the property is mutated on the basis Not applicable
of will?
(d) Whether the original will is available? Not applicable

(e) Whether the original death certificate of the Not applicable

testator is available?
(f) What are the circumstances and/or Not applicable
documents to establish the will in question is the last
and final will of the testator?
(Comments on the circumstances such as the
availability of a declaration by all the beneficiaries
about the genuineness/ validity of the will, all parties
have acted upon the will, etc., which are relevant to
rely on the will, availability of Mother/Original title

Page 9 of 20
 deeds are to be explained.)
17. (a) Whether the property is subject to any wakf Not applicable
rights?
(b) Whether the property belongs to church/ Not applicable
temple or any religious/other institutions having any
restriction in creation of charges on such properties?
(c) Precautions/ permissions, if any in respect of Not applicable
the above cases for creation of mortgage?
18. (a) Where the property is a HUF/joint family Not applicable
property, mortgage is created for family
benefit/legal necessity, whether the Major
Coparceners have no objection/join in execution,
minor’s share if any, rights of female members etc.
(b) Please also comment on any other aspect Not applicable
which may adversely affect the validity of security in
such cases?
19. (a) Whether the property belongs to any trust or Not applicable
is subject to the rights of any trust?
(b) Whether the trust is a private or public trust Not applicable
and whether trust deed specifically authorizes the
mortgage of the property?
(c) If so additional precautions/permissions to be Not applicable
obtained for creation of valid mortgage?
(d) Requirements, if any for creation of mortgage Not applicable
as per the central/state laws applicable to the trust
in the matter.
20. (a) If the property is Agricultural land, whether Not applicable
the local laws permit mortgage of Agricultural land
and whether there are any restrictions for
creation/enforcement of mortgage.
(b) In case of agricultural property other relevant Not applicable
records/documents as per local laws, if any are to be
verified to ensure the validity of the title and right to
enforce the mortgage?
(c) In the case of conversion of Agricultural land Not applicable
for commercial purposes or otherwise, whether
requisite procedure followed/permission obtained.
21. Whether the property is affected by any local laws or Not applicable
other regulations having a bearing on the creation

Page 10 of 20
 security (viz. Agricultural Laws, weaker Sections,
minorities, Land Laws, SEZ regulations, Costal Zone
Regulations, Environmental Clearance, etc.),
22. (a) Whether the property is subject to any Not applicable
pending or proposed land acquisition proceedings?
(b) Whether any search/enquiry is made with the Not applicable
Land Acquisition Office and the outcome of such
search/enquiry.
23. (a) Whether the property is involved in or subject Not applicable
matter of any litigation which is pending or
concluded?
(b) If so, whether such litigation would adversely Not applicable
affect the creation of a valid mortgage or have any
implication of its future enforcement?
(c) Whether the title documents have any court Not applicable
seal/ marking which points out any litigation/
attachment/security to court in respect of the
property in question? In such case please comment
on such seal/marking.
24. (a) In case of partnership firm, whether the Not applicable
property belongs to the firm and the deed is
properly registered.
(b) Property belonging to partners, whether Not applicable
thrown on hotchpot? Whether formalities for the
same have been completed as per applicable laws?
(c) Whether the person(s) creating mortgage Not applicable
has/have authority to create mortgage for and on
behalf of the firm.
25. a)Whether the property belongs to a Limited Not applicable
Company, check the Borrowing powers, Board
resolution, authorisation to create
mortgage/execution of documents, Registration of
any prior charges with the Company Registrar
(ROC), Articles of Association /provision for
common seal etc.
b) i) Whether the property (to be mortgaged) is Not applicable
purchased by the above Company from any other
Company or Limited Liability Partnership (LLP)

Page 11 of 20
 firm? Yes / No.
b) ii) If yes, whether the search of charges of the Not applicable
property (to be mortgaged) has been carried out
with Registrar of Companies (RoC) in respect of such
vendor company / LLP (seller) and the vendee
company (purchaser)?
b) iii) Whether the above search of charges reveals Not applicable
any prior charges/encumbrances, on the property
(proposed to be mortgaged) created by the Vendor
Company (seller)? Yes / No.
b) iv) If the search reveals encumbrances/charges, Not applicable
whether such charges/ encumbrances have been
satisfied? Yes / No.
26. In case of Societies, Association, the required Not applicable
authority/power to borrower and whether the
mortgage can be created, and the requisite
resolutions, bye-laws.
27. (a) Whether any POA is involved in the chain of Yes POA registered
title?
(b) Whether the POA involved is one coupled with Not coupled with
interest, i.e. a Development Agreement-cum-Power interest
of Attorney. If so, please clarify whether the same is a
registered document and hence it has created an
interest in favour of the builder/developer and as
such is irrevocable as per law.
(c) In case the title document is executed by the NA
POA holder, please clarify whether the POA involved
is (i) one executed by the Builders viz. Companies/
Firms/Individual or Proprietary Concerns in favour
of their Partners/ Employees/ Authorized
Representatives to sign Flat Allotment Letters, NOCs,
Agreements of Sale, Sale Deeds, etc. in favour of
buyers of flats/units (Builder’s POA) or (ii) other
type of POA (Common POA).
(d) In case of Builder’s POA, whether a certified Not applicable
copy of POA is available and the same has been
verified/compared with the original POA.
(e) In case of Common POA (i.e. POA other than Not applicable
Page 12 of 20
 Builder’s POA), please clarify the following clauses in
respect of POA.
i. Whether the original POA is verified and the Yes
title investigation is done on the basis of original
POA?
ii. Whether the POA is a registered one? Yes
iii. Whether the POA is a special or general one? General
iv. Whether the POA contains a specific authority No
for execution of title document in question?
(f) Whether the POA was in force and not revoked POA was in force
or had become invalid on the date of execution of the and nor revoked.
document in question? (Please clarify whether the
same has been ascertained from the office of sub-
registrar also?)
(g) Please comment on the genuineness of POA? The POA is executed
and registered in
the required stamp
papers. It is true
and genuine one.
(h) The unequivocal opinion on the enforceability The POA was Valid
and validity of the POA? and enforceable
28. Whether mortgage is being created by a POA holder, Not applicable
check genuineness of the Power of Attorney and the
extent of the powers given therein and whether the
same is properly
executed/ stamped/ authenticated in terms of the
Law of the place, where it is executed.
29. If the property is a flat/apartment or Not applicable
residential/commercial complex, check and
comment on the following:
(a).Promoter’s/Land owner’s title to the land/ Not applicable
building;
(b).Development Agreement/Power of Attorney; Not applicable
(c).Extent of authority of the Developer/builder; Not applicable
(d).Independent title verification of the Land and/or Not applicable
building in question;
(e).Agreement for sale (duly registered); Not applicable
(f).Payment of proper stamp duty; Not applicable
(g).Requirement of registration of sale agreement, Not applicable
development agreement, POA, etc.;
Page 13 of 20
 (h).Approval of building plan, permission of Yes produce
appropriate/local authority, etc.;
(i).Conveyance in favour of Society/ Condominium Not applicable
concerned;
(j).Occupancy Certificate/allotment letter/letter of Not applicable
possession;
(k).Membership details in the Society etc.; Not applicable
(l).Share Certificates; Not applicable
(m).No Objection Letter from the Society; Not applicable
(n).All legal requirements under the local/Municipal Not applicable
laws, regarding ownership of flats/Apartments/
Building Regulations, Development Control
Regulations, Co-operative Societies’ Laws etc.;
(o).Requirements, for noting the Bank charges on the Not applicable
records of the Housing Society, if any;
(p).If the property is a vacant land and construction No
is yet to be made, approval of lay-out and other
precautions, if any.
(q).Whether the numbering pattern of the units/flats Not applicable
tally in all documents such as approved plan,
agreement plan, etc.
30. Encumbrances, Attachments, and/or claims whether No
of Government, Central or State or other Local
authorities or Third Party claims, Liens etc. and
details thereof.
31. The period covered under the Encumbrances From 01.01.1987 to
Certificate and the name of the person in whose 09.11.2020, reveals
that the present title
favour the encumbrance is created and if so,
owner is
satisfaction of charge, if any. Mr.Krishnamurthy
S/o.Govinsamy
Chettiar, and
Registered MOD to
in favour of State
Bank of India Vide
Doc No.743/2013,
by entered with sale
agreement no other
change is made as
per E.C.
32. Details regarding property tax or land revenue or Does not arise
other statutory dues paid/payable as on date and if

Page 14 of 20
 not paid, what remedy?
33. (a) Urban land ceiling clearance, whether required Does not arise
and if so, details thereon.
(b) Whether No Objection Certificate under the Does not arise
Income Tax Act is required/ obtained.
34. Details of RTC extracts/mutation extracts/Katha No
extracts pertaining to the property in question.
35. Whether the name of mortgagor is reflected as No
owner in the revenue/Municipal/Village records?
36. (a) Whether the property offered as security is YES
clearly demarcated?
(b). Whether the demarcation/ partition of the YES
property is legally valid?
(c). Whether the property has clear access as per YES
documents?
37. Whether the property can be identified from the Does not arise
following documents, and discrepancy/doubtful
circumstances, if any revealed on such scrutiny?
(a).Document in relation to electricity connection; Does not arise
(b).Document in relation to water connection; Does not arise
(c).Document in relation to Sales Tax Registration, if Does not arise
any applicable;
(d). Other utility bills, if any. Does not arise
38. In respect of the boundaries of the property, whether No
there is a difference/discrepancy in any of the title
documents or any other documents (such as
valuation report, utility bills, etc.) or the actual
current boundary? If so please elaborate/ comment
on the same.
39. If the valuation report and/or approved/ sanctioned Yes
plans are made available, please comment on the
same including the comments on the description and
boundaries of the property on the said document
and that in the title deeds.
(If the valuation report and/or approved plan are
not available at the time of preparation of TIR, please
provide these comments subsequently, on making
the same available to the advocate.)
40. Any bar/restriction for creation of mortgage under No
Page 15 of 20
 any local or special enactments, details of proper
registration of documents, payment of proper stamp
duty etc.
41. Whether the Bank will be able to enforce SARFESI Yes
Act, if required against the property offered as
security?
42. In case of absence of original title deeds, details of Not applicable
legal and other requirements for creation of a
proper, valid and enforceable mortgage by deposit of
certified extracts duly certified etc., as also any
precaution to be taken by the Bank in this regard.
43. Whether the governing law/constitutional Does not arise
documents of the mortgagor (other than natural
persons) permits creation of mortgage and
additional precautions, if any to be taken in such
cases.
44. Additional aspects relevant for investigation of title Does not arise
as per local laws.
45. Additional suggestions, if any to safeguard the MOD Was
interest of Bank/ ensuring the perfection of security. registered With SBI.
46. The specific persons who are required to create Mr.Krishnamurthy
mortgage/to deposit documents creating mortgage. S/o.Govinsamy
Chettiar,
47. 1) Whether the Real Estate project comes under Real No
Estate (Regulation and Development) Act, 2016? Yes
or No.
2) Whether the project is registered with the Real Not applicable
Estate Regulatory Authority? If so, the details of such
registration are to be furnished.
Whether the registered agreement for sale as
prescribed in the above Act / Rules there under is
executed?
3) Whether the details of the apartment / plot in Not applicable
question are verified with the list of number and
types of apartments or plots booked as uploaded by
the promoter in the website of Real Estate
Regulatory Authority?.
Note: In case separate sheets are required, the same may be used, signed and
annexed.
Page 16 of 20
Date: 10.11.2020.
Place:Cuddalore.
Signature of the Advocate.

Annexure – C
CERTIFICATE OF TITLE
1. I have examined the Original Title Deeds intended to be deposited relating to
the schedule property/(ies) and offered as security by way of *Registered/
Equitable/English Mortgage (*please specify the kind of mortgage) and that the
documents of title referred to in the Opinion are valid evidence of Right, title
and Interest and that if the said Registered/ Equitable Mortgage is created, it
will satisfy the requirements of creation of Registered/ Equitable Mortgage and
I further certify that:
Registered MOD to in favour of State Bank of India Vide Doc No.743/2013

2. I have examined the Documents in detail, taking into account all the
Guidelines in the check list vide Annexure B and the other relevant factors.

3. I confirm having made a search in the Land/ Revenue records. I also confirm
having verified and checked the records of the relevant Government
Offices,/Sub-Registrar(s) Office(s), Revenue Records, Municipal/ Panchayat
Office, Land Acquisition Office, Registrar of Companies Office, Wakf Board
(wherever applicable). I do not find anything adverse which would prevent the
Title Holders from creating a valid Mortgage. I am liable /responsible, if any
loss is caused to the Bank due to negligence on my part or by my agent in
making search.

4. Following scrutiny of Land Records/ Revenue Records, relative Title Deeds,

certified copies of such title deeds obtained from the concerned registrar office
and encumbrance certificate (EC), I hereby certify the genuineness of the Title
Deeds. Suspicious/ Doubt, if any, has been clarified by making necessary
enquiries.

5. There are no prior Mortgage/ Charges/ encumbrances whatsoever, as could

be seen from the Encumbrance Certificate for the period From 01.01.1987 to
09.11.2020 pertaining to the Immovable Property/(ies) covered by above said
Title Deeds. The property is free from all Encumbrances.
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6. In case of second/subsequent charge in favour of the Bank, there are no
other mortgages/charges other than already stated in the Loan documents and
agreed to by the Mortgagor and the Bank (Delete, whichever is inapplicable).

7. Minor/(s) and his/ their interest in the property/(ies) is to the extent of

____________ ( Specify the share of the Minor with Name). (Strike out if not
applicable).

8. The Mortgage if created, will be available to the Bank for the Liability of the
Intending Borrower, Shri/Smt./M/s. Mr.Krishnamurthy S/o.Govinsamy
Chettiar, thereby Registered MOD to in favour of State Bank of India Vide Doc
No.743/2013

9.I certify that Shri/ Smt./M/s. Mr.Krishnamurthy S/o.Govinsamy Chettiar,

and Registered MOD to in favour of State Bank of India Vide Doc
No.743/2013, has/have an absolute, clear and Marketable title over the
Schedule property/ (ies).I further certify that the above title deeds are genuine
and a valid mortgage can be created and the said Mortgage would be
enforceable.

10. In case of creation of Mortgage by Deposit of title deeds, we certify that the deposit of following title
deeds/ documents would create a valid and enforceable mortgage:

SL Date of Name/Nature of Document Required

No Document Original/
Certified copy/
certified
Extract/
Photocopy, etc.,
1. 30.07.1972 Sale deed executed by Kridhnamurthy, Photo copy
K.Prasamma venkatachalam, K.ashok, verified
K.P.Ramasubramanian, 2 & 3 through
power agent and her mother Akkama
Krishnamurthy to and in favour of
Seethalakshmi, which is registered as
Doc.No.1661 /1972.(for item No.1)
2. 10.07.2010 Legal heir certified identifying that Photo copy
(1).Gopalakrishnan, (2).Jothi and verified

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 (3).Rajalakshmi are legal heirs of
deceased Seethalakshmi, which is
issued by the village Administrative
officer Panruti, cuddalore district. (for
item No.1)
3. 31.12.1997 Deed of general power of Attorney is Photo copy
executed by (1).Gopalakrishnan, verified
(2).Jothi and (3).Rajalakshmi to and in
favour of sathishkumar. Which is
registered as Doc. No.80/1997(for item
No.1)
4. 02.11.1998 Sale deed executed by
(1). Original
Gopalakrishnan, (2) Jothi and (3). verified
Rajalakshmi (principal) through their
attorney Mr.Sathishkumar (agent )to
and in favour of Krishnamurthy which
is registered as Doc.1827/1998 (for
itemNo.1)
5. 30.06.1972 Sale deed in the name
of Photo copy
Sachildanandham which is registered as verified
Doc.No.1951 /1972 (for item No.2)
6. 24.03.1980 Sale Deed In The Name Of Photo copy
Sachildanadham Which Is Registered As verified
Doc. No.634/1980.(for item no.2)
7. 09.11.1998 Deed of General Power Attorney Photo copy
executed by Sachidanandham to and in verified
favour of Jayavenkataraman which is
registered as Doc. No.92/1998(for item
No.2)
8. 26.03.2002 Sale deed executed by Sachidanandham Original
( principal) through his power agent verified
Mr.Jayavenkattraman (agent) to and in
favour of Mr.Krishnamurthy, which is
registered as Doc.No.1087 /2002 (for
item No.2)
9. 29.06.2010 E.C. for the period of 23-years from Certified copy
01.01.1987 to 28.06.2010 verified

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 (E.C.No.2012 /2010)
10 14.03.2013 MOD (Mortgage by deposit of title deed) Original
executed by Mr.Krishnamurthy to and verified
in favour of State Bank of India which is
registered as Doc.No.743/2013.
11. 15.06.2017 E.C .for the period of the 8-years from Certified copy
01.01.2010 to 14.06.2017 verified
(E.C.No.2196 /20170
12. 24.03.2016 MOD (Mortgage by deposit of title deed) Original
executed by Mr.Krishnamurthy to and verified
in favour of State Bank of India which is
registered as Doc.No.1016 /2016
13. 10.11.2020 E.C. for the period from 01.01.2016 to Downloaded
09.11.2020 downloaded from and verified in
online portal
verified in online portal tn.reginet
tnreginet
11. There are no legal impediments for creation of the Mortgage under any
applicable Law/ Rules in force.
12. It is certified that the property is SARFAESI compliant.
SCHEDULE OF THE PROPERTY (IES)
Item No:1
Cuddalore R.D., Vadalur-Sub R.D., within the limits of Kurinjipadi Panchayat
union Ayan Punjai survey No.503/2 & 502 and new survey no.51/1 ( survey
No.15/1A/1A as per Sub-division) Thillai nagar, Plot No.202, 203 & 204
measuring 90 feet in east-west and 60 Ft. in south-north to the extent of 5400
Sq.ft., within the boundaries of west of plot No.205, east of plot no.201, south
of layout road and north of plot No.207, 208 & 209.
In cuddalore R.D., Vadalur- sub R.D., within the limits of Kurinjipadi
Item No:2
panchayat union, Ayan punjai survey No.503/2 & 502 and new
survey No.15/1 (survey no.15/1A/1A as per Sub-division) Thilai nagar, plot
No.2, measuring 100 feet in east-west and 20ft in south –north to the total
extent of 2000 sq.ft., within the boundaries of west of 23 feet wide road, east
of kumbakonam road, south of plot No.1, north of plot No.3.

Date:10.11.2020
Place: Cuddalore. Signature of the Advocate

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