LEGAL SCRUTINY REPORT
Name of the Borrower
KUPPUSAMY
Name of the Title Holder
KUPPUSAMY
[Link]. [Link]., B.L., D.L.L.,
SBI Panel Advocate
278, 5TH Cross, Periyasamy Nagar,Alagapuram Periapudur,Salem - 636016.
Mobile : 95009 14403 Email : ovgobinath@[Link]
Page 1
[Link]. [Link]., B.L., D.L.L., To
SBI Panel Advocate The Chief Manager,
278, 5TH Cross, Periyasamy Nagar,Alagapuram Canara Bank,
Periapudur,Salem - 636016. Hasthampatty Branch
Mobile : 95009 14403
Email : ovgobinath@[Link]
Legal Scrutiny Report
Date 17-09-2024
Ref 19
Sir,
Sub: Legal scrutiny report on property owned by:KUPPUSAMY
Ref:Your request.
Name and address of the Title Holders:
KUPPUSAMY
Status
(Whether Individual / HUF / Trust, Company, Individual
Partnership Firm)
Name of the Borrower/Unit
KUPPUSAMY
Constitution
Individual
Nature of the Property
(Whether Free hold / Lease hold) Free Hold
I am herewith enclosing Appendix I to IV and all documents listed in Appendix III.
Yours faithfully,
Bank Panel Advocate, Salem
Page 2
ANNEXURE
LEGAL SCRUTINY REPORT
Date & Nature of
[Link] [Link] & Extent Particulars of deeds
Doc. No Document
01 02-05-1987 21/2 - 2500 Sq. Ft. A - Register Extract issued by VAO, Sankari infavour of True Copy
Mallika
02 05-04-1995 21/2 - 2500 Sq. Ft. Partition Deed executed by Mallika, Vimalarasan, Ramu, SRO Copy
Komu infavour of Mallika
03 04-04-1998 21/2 - 2500 Sq. Ft. Gift Settlement Deed executed by Mallika infavour of Komu Original
04 06-06-2000 21/2 - 2500 Sq. Ft. Sale Agreement executed among Komu and Kuppusamy [ Original
The Total Sale Consideration Of Rs - 1000000.00; The
Advance Amount is Rs - 100000.00; The Period of Sale
Agreement is for the period from 3 Months ]
05 31-05-2022 21/2 - 2500 Sq. Ft. Sale Deed executed by Komu infavour of Kuppusamy Original
06 04-06-2024 21/2 - 2500 Sq. Ft. Online Patta issued by [Link] infavour of Online Copy
Kuppusamy
07 02-07-2024 21/2 - 2500 Sq. Ft. Building Construction Approval and Blue Print Plan issued Original
by President, Iveli Panchayat infavour of Kuppusamy
08 02-07-2024 21 - FMB Sketch issued by VAO, Iveli Village infavour of Online Copy
09 02-07-2024 21/2 - Encumbrance Certificate for the period from 01-01-1987 to Online SRO Copy
16-09-2024
[Link], [Link]., B.L., D.L.L.,
Place: Salem
Date : 17-09-2024 -
B. Description of Property/Properties:
Salem District, Sankari Taluk, Iveli Village, S. No.21/2 measuring an extent of 2500 Sq. Ft.
Boundaries: -
Measurements: -
TRACING OF TITLE
Thereafter above said Mallika, Vimalarasan, Ramu, Komu executed Partition Deed for the above property in 21/2 to
an extent of 2500 Sq. [Link] and in favour of them vide Doc. No.4242/1995 dated 05-04-1995 on the file of
Sankari SRO. Under the above said Partition Deed, A Schedule property comprised in 21/2 to an extent of 2500
Sq. Ft. was / were allotted to Mallika. (Serial No.02)
Thereafter above said Mallika executed Gift Settlement Deed for the above property in 21/2 to an extent of 2500 Sq.
[Link] favour of Komu vide Doc. No.897/1998 dated 04-04-1998 on the file of Sankari SRO. (Serial No.03)
Thereafter above said Komu and Kuppusamy executed Sale Agreement for the above property in 21/2 to an extent
of 2500 Sq. Ft. among and in favour of them vide Doc. No.656/2000 dated 06-06-2000. (Serial No.04)
Under the above said Sale Agreement the following conditions are found: -
Total Sale Consideration is Rs.1000000.00
Advance Amount is Rs.100000.00
The Period of Sale Agreement is for the period from 3 Months
Thereafter above said Komu executed Sale Deed for the above property in 21/2 to an extent of 2500 Sq. Ft. in
favour of Kuppusamy vide Doc. No. 3434/2022 dated 31-05-2022 on the file of Sankari SRO. (Serial No.05)
The President, Iveli Panchayat issued Building Construction Approval and Blue Print Plan in name of Kuppusamy
dated 02-07-2024 is produced. Page 3
Total Sale Consideration is Rs.1000000.00
Advance Amount is Rs.100000.00
The Period of Sale Agreement is for the period from 3 Months
Thereafter above said Komu executed Sale Deed for the above property in 21/2 to an extent of 2500 Sq. Ft. in
favour of Kuppusamy vide Doc. No. 3434/2022 dated 31-05-2022 on the file of Sankari SRO. (Serial No.05)
The President, Iveli Panchayat issued Building Construction Approval and Blue Print Plan in name of Kuppusamy
dated 02-07-2024 is produced.
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D. ENCUMBRANCE CERTIFICATE
The above said encumbrance certificates shows the following entries :-
1 .Mallika, Vimalarasan, Ramu, Komu executed Partition Deed in favour of Mallika vide Doc. No. 4242/1995 dated 05
-04-1995
2 .Mallika executed Gift Settlement Deed in favour of Komu vide Doc. No. 897/1998 dated 04-04-1998
3 .Komu and Kuppusamy executed Sale Agreement in favour of vide Doc. No. 656/2000 dated 06-06-2000
4 .Komu executed Sale Deed in favour of Kuppusamy vide Doc. No. 3434/2022 dated 31-05-2022
On perusal of the Encumbrance Certificates produced there is no subsisting encumbrance over this property and the
property is free from all encumbrances. Subsequent EC’s to be obtained and verified.
Page 5
E . EVIDENCE OF POSSESSION
Subsequently, the title holder i.e.,KUPPUSAMY mutated the revenue records in his/ her name. Title holder produced
He / She has produced A - Register Extract,Online Patta,Building Construction Approval and Blue Print Plan,FMB
Sketch,Encumbrance Certificate
The above revenue record confirm his / her title and possession of the property.
The above title holder KUPPUSAMY obtained the permission from the Competent Authority for Construction of
building there in Salem District, Sankari Taluk, Iveli Village, S. No.21/2 measuring an extent of 2500 Sq. Ft.
Boundaries: -
Measurements: - and the above revenue record confirm his / her title and possession of the property.
F. The documents to be deposited (Original/Certified) for creation of valid and enforceable mortgage and the specific
persons who are required to create mortgage/to deposit documents creating the mortgage:-
All documents listed in [Link].A IN ANNEXURE-IV to be deposited for creation of valid and enforceable
Mortgage and KUPPUSAMY to create mortgage / to deposit documents creating the mortgage
CERTIFICATE OF TITLE:
On perusal of the documents listed above I hereby certify that;
KUPPUSAMY has got an absolute, clear and marketable title over the property proposed to be mortgaged.
KUPPUSAMY can execute valid Equitable mortgage in favour of the Bank.
The property intended to be given by way of mortgage is not subject to any minor’s or any other claims.
Remarks:Nil
[Link], [Link]., B.L., D.L.L.,
Place: Salem
Date : 17-09-2024 -
Page 6
Appendix - VI Certificate
Inspection / Verification of Records of Landed Property at Registrar / Sub Registrar’s Office at Sankari SRO
To
The Chief Manager,
Canara Bank,
Hasthampatty Branch
Sub: Verification of Records of landed property at Registrar / Sub Registrar’s Office at Sankari SRO
This is to confirm that I have visited at Sankari SRO on 15/09/2024 and verified the details of the property/ies
standing in the name of KUPPUSAMY
The properties details are as Under:
Under Survey No. Mentioned Below
Khata No. -
Ward No. Mentioned Below
Salem District, Sankari Taluk, Iveli Village, S. No.21/2 measuring an extent of 2500 Sq. Ft.
Boundaries: -
Measurements: -
Further, I Certify as Under:
1. That I have verified the Certified Copy of material Title Deeds., i.e.,SRO Copy of Original registered
as [Link].3434/2022 dated 31-05-2022; etc., from the Office of Sankari SRO and confirm that the Original SRO
Copy of Original available with the bank is/are genuine.
2. That there is NO prior charge over the said property except stated above and KUPPUSAMY is the
absolute owner of the said property as per the records available and verified by me in the Sankari SRO
Amount mentioned in the
Date
(OR)of document Description of the document In whose favour
document
--- --- --- ---
3. That as per the records available at Registrar / Sub-registrar’s office, the property is mortgaged /
charged to: NIL
[Link], [Link]., B.L., D.L.L.,
Place: Salem
Date : 17-09-2024 -
Page 7
E. Whether any mortgage / charge was created
As per CERSAI Report – NO.
against the property under CERSAI (Yes/ No)
If yes, whether the same is satisfied or not NIL
Charge Details against the property lime Bank Name,
NIL
Loan Amount, Duration of the loan etc.,
F. Certificate of Title should clearly disclose:
1) Whether the party has an absolute, clear and
marketable title over the properties proposed to be -
mortgaged.
2) Whether the party can execute valid simple /
YES
equitable mortgage in favour of the Bank
3) Whether any of the property intended to be given
by way of mortgage is subject to any minor’s or any NO
other claims.
H. Whether the property documents are verified /
validated online? (applicable in those states
Verified with Online Copy of EC
where online validation system of property
documents is available) – YES / No / NA
If yes, details of such online verification Mentioned below
Whether proff of
the property
Date & document
Description of
Reference No. verified online
Date of the property
[Link] of the Particulars of deeds enclosed along
Verification document
Document with the list of
verified online
Verified documents
verified? (Yes/
No)
01 15/09/2024 21/2 - 2500 Sq. Ft. 1987-05-02/ A - Register Extract issued by VAO, Sankari True Copy
infavour of Mallika
02 15/09/2024 21/2 - 2500 Sq. Ft. 1995-04- Partition Deed executed by Mallika, SRO Copy
05/4242/1995 Vimalarasan, Ramu, Komu infavour of
Mallika
03 15/09/2024 21/2 - 2500 Sq. Ft. 1998-04- Gift Settlement Deed executed by Mallika Original
04/897/1998 infavour of Komu
04 15/09/2024 21/2 - 2500 Sq. Ft. 2000-06- Sale Agreement executed among Komu Original
06/656/2000 and Kuppusamy [ The Total Sale
Consideration Of Rs - 1000000.00; The
Advance Amount is Rs - 100000.00; The
Period of Sale Agreement is for the period
from 3 Months ]
05 15/09/2024 21/2 - 2500 Sq. Ft. 2022-05- Sale Deed executed by Komu infavour of Original
31/3434/2022 Kuppusamy
06 15/09/2024 21/2 - 2500 Sq. Ft. 2024-06- Online Patta issued by Online Copy
04/Patta No.111 [Link] infavour of
Kuppusamy
07 15/09/2024 21/2 - 2500 Sq. Ft. 2024-07- Building Construction Approval and Blue Original
02/Patta No.111 Print Plan issued by President, Iveli
Panchayat infavour of Kuppusamy
08 15/09/2024 21 - 2024-07-02/ FMB Sketch issued by VAO, Iveli Village Online Copy
infavour of
09 15/09/2024 21/2 - 2024-07-02/ Encumbrance Certificate for the period from Online SRO Copy
01-01-1987 to 16-09-2024
Page 8
[Link], [Link]., B.L., D.L.L.,
Place: Salem
Date : 17-09-2024 -
CERTIFICATE TO BE ISSUED BY THE ADVOCATE WHO SCRUTINISED THE
DOCUMENTS
I have gone through the SRO Copy of Title Deeds intended to be deposited by the intending the title holder after
clearing the mortgage which was relating to the property and offered as security by way of Simple / Equitable
Mortgage and that the documents of title referred to the above are perfect evidence of title and that the documents
of title referred to above are perfect evidence of title and that if the said simple/equitable mortgage is created are
deposited in the mannerrequired by law, it will satisfy the requirements of creation of simple/equitablemortgage and
I further certify that:
1) I have made a search in the land/revenue records and do not find anyadverse features, which would prevent the
titleholders from creating avalid mortgage.
2) I have visited the Registrar/ Sub Registrar’s Office on 15/09/2024 and verified the records/details of the property
belonging to KUPPUSAMY
3) There are no prior mortgages / charges whatsoever as could be seen from the encumbrance certificate for the
period from 07/09/2024 to 15/09/2024 pertaining tothe immovable property/ies covered by the above said title deeds.
4) There are prior mortgages/chargesto the extentNIL which are liableto be cleared or satisfied by complying with the
following:
5) There are claims from minor/s and his/their interest in the property/ies is tothe extent (specify the share of the
minor/s with name).NIL
6) The undivided share of the minor/s is (whether there is a claim or not) _____(specify the share of minor/s).NIL
7) The property/ies is /are subject to the payment ofNIL (specifythe liability that is fastened on the property/ies).
8) Provisions of Urban Land Ceiling Act are not applicable/permission obtained. – NIL
9) Holding/acquisition is in accordance with the provisions of the Land ReformsAct. – NIL
10) The mortgage if created will be available to the Bank for the liability of the intending borrower KUPPUSAMY
I certify that KUPPUSAMY has a valid and marketable title in the property/ies shown above
The Bank can enforce its rights under SARFAESI ACT in respect of the property which has been offered as security
to secure the present loan– Yes.
[Link], [Link]., B.L., D.L.L.,
Place: Salem
Date : 17-09-2024 -
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