Sharmistha Das ADVOCATE

CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
Ref…………………………………… Annexure-B Date:-06.12.2024.
Report of Investigation of Title In Respect of Immovable Property
1 a) Name of the Branch/ Business Unit/ Office seeking : S.B.I. Midnapore PBB
opinion. Branch,
b) Reference No. and date of the letter under the cover : BM:-NIL

t)e a
of which the documents tendered for scrutiny are
forwarded.

c
c) Name of the Borrower. : MRS. DEEPA JHA,
w/o Amit Kumar Ranjan.

o
2. a. Type of Loan, : House Building Loan,

v
b. Type of Property : Ownership Right.

d
3. a) Name of the unit/ concern/ company/ : Mrs. Deepa Jha.
security.
A
person offering the property/ (ies) as Mob-
(
b) Constitution of the unit/ concern/ person/ body/ : Person.
s
authority offering the property for creation of charge.
a
c) State as to under what capacity is security offered : Borrower.
(whether as joint applicant or borrower or as
D
guarantor, etc.)
4. Value of loan Rs.
a
5. Complete or full description of the immovable property (ies) offered as security including
the following details.
a) Survey No. :
b) Door/ House no. (in case of house property), : Midnapore Municipal limits, Ward
no.7, Holding no.751, at- Station Road.
ihts

c) Extent/ area including plinth/ : Total Area=0.0640 acre in R.S. & L.R. Plot no.275,
built up area in case of house of Mouza- Keranitola, L.R. Khatian no.629 & 630.
rma

property.
d) Locations like name of the place, village, : Dist- Paschim Medinipur, P.S-
Midnapore, Mouza- Keranitola. J.L.
h

city, registration, sub-district etc. No.171.

S

e) Boundaries : As mentioned in the schedule below.

6 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 Document. Original/ In case of copies,
certified copy/ whether the
certified original was
extract/ scrutinized by the
photocopy, advocate.
etc.

1
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
1. 04.12.202 Agreement for Sale in between Ballari Original N/A,
4, Panda (Maity) & Suvayu Panda
(Landlords) and Mrs. Deepa Jha (intending
purchaser).
2. 07.01.201
6
Registered Deed of Gift being Photoco No,
py
No.190300021/ 2016 in favour of Suvayu
Panda,

t)e a
3. 26.02.201
6,
Registered Deed of Declaration being Photoco No,
py
No.190300472/2016 in favour of Suvayu

c
Panda,

o
4. 11.06.201
3,
Legal heir certificate of deceased Mira Photoco
py
No,
Maity,

v
5. 26.08.20 Death certificate of Mira Maity, Photoco No,

d
01, py
6. 22.11.200
1,
7. 21.05.197
5,
8. 06.05.197
1,
A
Succession Certificate case no.6/2001 in
favour of Ballari Maity (Panda).
(
Registered Deed of Sale being
No.4196/1975 in favour of Mira Maity.
s
Registered Deed of Sale being
a
No.3004/1971 in favour of Mira Maity.
Cert.
copy,
Cert.
copy
Cert.
copy
No.
No,
No.
D
9. 12.05.202
2,
L.R.R.O.R. Kh. no.629 of Mouza- Photoco
py
No.
Keranitola, in the name of Suvayu Panda,
a
10. 12.05.202
2,
L.R.R.O.R. Kh. no.630 of Mouza- Photoco
py
No.
Keranitola, in the name of Smt. Ballari
Panda (Maity),
11. 25.03.201
5,
Land use compatibility certificate with Site Photoco
py
No.
map issued from MKDA.
ihts

12. 18.06.201
5,
Building Plan, vide P.W. No.150 in favour of Photoco
py
No.
Smt. Ballari Panda (Maity).
13. 18.06.201 Building permit no.150 in favour of Smt. Photoco No.
rma

5, Ballari Panda (Maity). py

14. Govt. rent receipt, paid up to 1431 B.S., Photoco No.
h

py
15. Municipal Tax receipt, paid up to 2023- Photoco No.
S

2024. py
16. 06.12.202
4,
Reply of RTI dt.05.12.2024 from B.L. & Photoco
py
No.
L.R.O. Sadar Paschim Medinipur memo
no.3103.
17. 29.09.201
6,
Order of T.S. No.650/2016 of 01st Court of Cert.
copy
Verified
Civil Judge Junior Division, Midnapore.
18. Arrangement Letter of Bank of India in the Photoco No.
py
name of Ballari Panda (Maity) & Suvayu
Panda,
19. 05.06.20 Khatian and Plot information report. Online report.

2
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
24,
20 06.12.202 Court & registry office searches report. Online report.
. 4,
7. a) Whether certified copy of all title documents are obtained from the : Copy of Deed
relevant sub-registrar office and compared with the documents made no.4196/1975 &
available by the proposed mortgagor ? (Please also enclose all such 3004/1971

t)e a
certified copies and relevant fee receipts along with the TIR.) enclosed
herewith.

c
b) i) Whether all pages in the certified copies of title documents which :- Yes.

o
are obtained directly from Sub-Registrar’s office have been verified

v
page by page with the original documents submitted?

d
b) ii) Where the certified copies of the title documents are not :- N/A,
available, the copy provided should be compared with the original to
page with the original produced.
A
ascertain whether the total page numbers in the copy tally page by
( s
(In case originals title deed is not produced for comparing with the
a
certified or ordinary copies should be handled more diligently &
cautiously).
D
8. a) Whether the records of registrar office or revenue authorities :- Yes,
relevant to the property in question are available for verification No.190300021/
a
through any online portal or computer system? 2016 &
190300472/2016
b) If such online/ computer records are available, whether any :- Checked and
verification or cross checking are made and the comments/ verified.
findings in this regard.
ihts

c) Whether the genuineness of the stamp paper is possible to be got : No.

verified from any online portal and if so whether such verification
rma

was made?
9. a) Property offered as security falls within the jurisdiction of which :- ADSR- Midnapore,
h

sub-registrar office?
b) Whether it is possible to have registration of documents in : DSR-Midnapur,
S

respect of the property in question, at more than one office of sub R.A-Kolkata,
-registrar/ district registrar/ registrar- general. If so, please name
all such offices?
c) Whether search has been made at all the offices named at (b) :- Yes.
above?
d) Whether the searches in the offices of registering authorities or :- No.
any other records reveal registration of multiple title documents in
respect of the property in question?

3
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
10. a. Chain of title tracing the title from the oldest title deed to the latest : As described in
title deed establishing title of the property in question from the separate sheet/s,
predecessors in title/interest to the current title holder. attached with TIR.
b. And wherever Minor’s interest or other clog on title is involved, : No minor interest
search should be made for a further period, depending on the is involved.
need for clearance of such clog on the Title. In case of property

t)e a
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

c
mandatory.
c. Nature of Minor’s interest, if any and if so, whether creation of : N/A.

o
mortgage could be possible, the modalities/procedure to be

v
followed including court permission to be obtained and the

d
reasons for coming to such conclusion.

If Ownership Rights,
a. Details of the Conveyance Documents. A
11. Nature of Title of the intended Mortgagor over the Property (whether : Full ownership
full ownership rights, Leasehold Rights, Occupancy/ Possessory Right.
(
Rights or Inam Holder or Govt. Grantee/ Allottee etc.)
sa
: After execution & registration of
title deed in favour of DEEPA JHA.
D
b. Whether the document is properly stamped. : Do.
c. Whether the document is properly registered. : Do.
a
If Leasehold, whether; : No.
a) Lease Deed is duly stamped and registered : N/A,
b) Lessee is permitted to mortgage the Leasehold right, : N/A,
c) Duration of the Lease/unexpired period of lease, : N/A,
ihts

d) If, a sub-lease, check the lease deed in favour of Lessee as to : N/A,

whether Lease deed permits sub-leasing and mortgage by Sub-
Lessee also.
rma

e) Whether the leasehold rights permits for the creation of any : N/A,
superstructure (if applicable)?
h

f) Right to get renewal of the leasehold rights and nature thereof. : N/A,
S

If Govt. grant/ allotment/Lease-cum/Sale Agreement, whether; : No.

a. Grant/ agreement etc. provides for alienable rights to the : N/A,
mortgagor with or without conditions?
b. The mortgagor is competent to create charge on such property? : N/A,
c. Any permission from Govt. or any other authority is required for : N/A,
creation of mortgage and if so whether such valid permission is
available?
If Occupancy right, whether; : No.
a) Such right is heritable and transferable, : N/A,
b) Mortgage can be created. : N/A,

4
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
12. Has the property has been transferred by way of Gift/ Settlement : Gift Deeds,
Deed-
a) The Gift/ Settlement Deed is duly stamped and registered; : Yes,
b) The Gift/ Settlement Deed has been attested by two witnesses; : Yes,
c) Whether there is any restriction on the Donor in executing the : No restriction is
gift/ settlement deed in question ? detected,

t)e a
d) The Gift/ Settlement Deed transfers the property to Donee; : Yes,
e) Whether the Donee has accepted the gift by signing the Gift/ : By signing,

c
Settlement Deed or by a separate writing or by implication or by
actions?

o
f) Whether the Donee is in possession of the gifted property ? : Yes,

v
g) Whether any life interest is reserved for the Donor or any other : No life interest

d
person and whether there is a need for any other person to join is reserved,
the creation of mortgage;
the gift/ settlement deed.
settlement deed A
h) Any other aspect affecting the validity of the title passed through
( s
13. Has the property been transferred by way of partition / family
a
a) Whether the original deed is available for deposit. If not the
:- N/A,
:- No,
:- N/A.
D
modality/ procedure to be followed to create a valid and
enforceable mortgage.
a
b) Whether mutation has been effected. :- N/A.
c) Whether the mortgagor is in possession and enjoyment of his :- N/A.
share.
d) Whether the partition made is valid in law and the mortgagor has :- N/A.
acquired a mortgage-able title thereon.
ihts

e) In respect of partition by a decree of court, whether such decree :- N/A.

has become final and all other conditions/ formalities are
rma

completed/ complied with.

f) Whether any of the documents in question are executed in :- N/A,
h

counterparts or in more than one set? If so, additional precautions

to be taken for avoiding multiple mortgages?
S

14. Whether the title documents include any testamentary documents :- No,
/wills ?
a) In case of wills, whether the will is registered will or unregistered :- N/A,
will ?
b) Whether will in the matter needs a mandatory probate and if so :- N/A,
whether the same is probated by a competent court ?
c) Whether the property is mutated on the basis of will ? :- N/A,
d) Whether the original will is available ? :- N/A,
e) Whether the original death certificate of the testator is available ? :- N/A,

5
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
f) What are the circumstances and/or documents to establish the :- N/A,
will in question is the last and final will of the testator ?
(Comments on the circumstances such as the availability of a :- N/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

t)e a
deeds are to be explained.)
15. Whether the property is subject to any wakf rights/ belongs to :- No.

c
church/ temple or any religious/ other institutions?
a) Any restriction in creation of charges on such properties? :- No.

o
b) Precautions/ permissions, if any in respect of the above cases for :- N/A,

v
creation of mortgage?

d
16. a) Where the property is a HUF/joint family property, mortgage is :- No,

17.
A
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.
s
b) Please also comment on any other aspect which may adversely
affect the validity of security in such cases?
a
a) Whether the property belongs to any trust or is subject to the
:- N/A,
:- No.
D
rights of any trust?
b) Whether the trust is a private or public trust and whether trust :- N/A,
a
deed specifically authorizes the mortgage of the property?
c) If YES, additional precautions/permissions to be obtained for :- N/A,
creation of valid mortgage?
d) Requirements, if any for creation of mortgage as per the :- N/A,
central/state laws applicable to the trust in the matter.
ihts

18. If the property is Agricultural land, : No.

a) Whether the local laws permit mortgage of Agricultural land and :- N/A,
rma

whether there are any restrictions for creation/ enforcement of

mortgage?
h

b) In case of agricultural property other relevant records/ documents :- N/A,

as per local laws, if any are to be verified to ensure the validity of
S

the title and right to enforce the mortgage?

c) In the case of conversion of Agricultural land for commercial :- N/A,
purposes or otherwise, whether requisite procedure
followed/permission obtained?
19. a) Whether the property is affected by any local laws or other :- No, the
regulations having a bearing on the creation security (viz. property is not
Agricultural Laws, weaker Sections, minorities, Land Laws, SEZ affected any
regulations, Costal Zone Regulations, Environmental Clearance, local laws.
etc.)?

6
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
b) Additional aspects relevant for investigation of title as per local : N/A,
laws.
20 a) Whether the property is subject to any pending or proposed land :- No,
. acquisition proceedings?
b) Whether any search/ enquiry is made with the Land Acquisition :- No outcome is
Office and the outcome of such search/ enquiry? found.

t)e a
21. a) Whether the property is involved in or subject matter of any :- No litigation is
litigation which is pending or concluded ? detected at

c
present,
b) If so, whether such litigation would adversely affect the creation of :- N/A,

o
a valid mortgage or have any implication of its future

v
enforcement?

d
c) Whether the title documents have any court seal/ marking which :- No court seal/
points out any litigation/ attachment/security to court in respect marking is

22
.
seal/marking?
A
of the property in question? In such case please comment on such
(
a) In case of partnership firm, whether the property belongs to the
s
firm and the deed is properly registered?
a
b) Property belonging to partners, whether thrown on hotchpotch?
detected,
:- N/A,
:- N/A,
D
Whether formalities for the same have been completed as per
applicable laws?
a
c) Whether the person(s) creating mortgage has/have authority to :- N/A,
create mortgage for and on behalf of the firm?
25 a) Whether the property belongs to a Limited Company, check the :- No,
. Borrowing powers, Board resolution, authorization to create
mortgage/execution of documents, Registration of any prior charges
ihts

with the Company Registrar (ROC), Articles of Association /provision

for common seal etc.
rma

b) i) Whether the property (to be mortgaged) is purchased by the :- N/A.

above Company from any other Company or Limited Liability
Partnership (LLP) firm ? Yes / No.
h

ii) If yes, whether the search of charges of the property (to be :- N/A,
S

mortgaged) has been carried out with Registrar of Companies (RoC)

in respect of such vendor company / LLP (seller) and the vendee
company (purchaser) ?
iii) Whether the above search of charges reveals any prior charges/ :- N/A,
encumbrances, on the property (proposed to be mortgaged) created
by the vendor company (seller)?
iv) If the search reveals encumbrances/ charges, whether such :- N/A,
charges/ encumbrances have been satisfied?
24 In case of Societies, Association, the required authority/power to :- N/A,
. borrower and whether the mortgage can be created, and the requisite

7
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
resolutions, bye-laws.
25 a) Whether any POA is involved in the chain of title during the period :- No,
. of search?
b) Whether the POA involved is one coupled with interest, i.e. a :- N/A,
Development Agreement-cum-Power of Attorney. If so, please
clarify whether the same is a registered document and hence it

t)e a
has created an interest in favour of the builder/ developer and as
such is irrevocable as per law.

c
c) In case the title document is executed by the POA holder, please :- N/A,

o
clarify whether the POA involved is (i) one executed by the

v
Builders viz. Companies/ Firms/Individual or Proprietary Concerns
in favour of their Partners/ Employees/ Authorized

d
Representatives to sign Flat Allotment Letters, NOCs, Agreements

A
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 copy of POA is
s
available and the same has been verified/ compared with the
original POA.
a :- N/A,
D
e) In case of Common POA (i.e. POA other than Builder’s POA), : No,
please clarify the following clauses in respect of POA.
i) Whether the original POA is verified and the title investigation :- N/A,
a
is done on the basis of original POA ?
ii) Whether the POA is a registered one ? :- N/A,
iii) Whether the POA is a special or general one ? :- N/A,
iv) Whether the POA contains a specific authority for execution of :- N/A,
ihts

title document in question?

f) Whether the POA was in force and not revoked or had become :- N/A,
invalid on the date of execution of the document in question?
rma

(Please clarify whether the same has been ascertained from the
office of sub-registrar also?)
h

g) Please comment on the genuineness of POA? :- N/A,

S

h) The unequivocal opinion on the enforceability and validity of the :- N/A,

POA.
26 Whether mortgage is being created by a POA holder, check :- N/A,
. 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.
27 If the property is a flat/ apartment or residential/ commercial :- No,
. complex, check and comment on the following:
I. a) Promoter’s/ Land owner’s title to the land/ building; :- N/A,
b) Development Agreement/ Power of Attorney; :- N/A,

8
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
c) Extent of authority of the Developer/builder; :- N/A,
d) Independent title verification of the Land and/or building in :- N/A,
question;
e) Agreement for sale (duly registered); :- N/A,
f) Payment of proper stamp duty; :- Yes,
g) Requirement of registration of sale agreement, development :- N/A,

t)e a
agreement, POA, etc.;
h) Approval of building plan, permission of appropriate/local :- N/A,

c
authority, etc.;
i) Conveyance in favour of Society/ Condominium concerned; :- N/A,

o
j) Occupancy Certificate/allotment letter/letter of possession; :- N/A,

v
k) Membership details in the Society etc.; :- N/A,

d
l) Share Certificates; :- N/A,
m) No Objection Letter from the Society;

A
n) All legal requirements under the local/ Municipal laws, regarding
(
ownership of flats/ Apartments/ Building Regulations,
etc.;
s
Development Control Regulations, Co-operative Societies’ Laws
a
o) Requirements, for noting the Bank charges on the records of the
:- N/A,
:- N/A,

:- N/A,
D
Housing Society, if any;
p) If the property is a vacant land and construction is yet to be :- N/A,
a
made, approval of lay-out and other precautions, if any.
II. q) Whether the numbering pattern of the units/flats tally in all
documents such as approved plan, agreement plan, etc.
:- Yes,
a) Whether the Real Estate Project comes under Real Estate :- N/A,
(Regulation and Development) Act, 2016 ? Y/N.
ihts

b) Whether the project is registered with the Real Estate Regulatory :- N/A,
Authority ? If so, the details of such registration are to be
rma

furnished,
c) Whether the registered agreement for sale as prescribed in the :- N/A,
h

above Act/ Rules there under is executed?

S

d) Whether the details of the apartment/ plot in question are :- N/A,

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?
28 Encumbrances, Attachments, and/or claims whether of Government, : Encumbered
. Central or State or other Local authorities or Third Party claims, Liens with Bank of
etc. and details thereof. India, Midnapore
Branch
29 The period covered under the Encumbrances Certificate and the :- Registry Offices and
. name of the person in whose favour the encumbrance is created and Court searches 2011 to
2024.

9
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
if so, satisfaction of charge, if any.
30 Details regarding property tax or land revenue or other statutory dues Rent Paid up to
. paid/payable as on date and if not paid, what remedy? 1431 B.S.
31. a) Urban land ceiling clearance, whether required and if so, details :- N/A,
thereon.
b) Whether No Objection Certificate under the Income Tax Act is :- N/A.

t)e a
required/ obtained?
32 a) Details of RTC extracts/ mutation extracts/ Katha extract :- Mutated in the

c
. pertaining to the property in question. name of owner.
b) Whether the name of mortgagor is reflected as owner in the :- Yes,

o
revenue/ Municipal/ Village records?

v
33 a) Whether the property offered as security is clearly demarcated? :- Yes,

d
. b) Whether the demarcation/ partition of the property is legally valid? :- Yes,

34
. A
c) Whether the property has clear access as per documents? (The
property should be legally accessible through normal carriers to
(
transport goods to factories / houses, as the case may be).
s
a) Whether the property can be identified from the following
a
documents,- a) Document in relation to electricity connection; b)
Document in relation to water connection; c) Document in relation
:- Yes,

: Electric Bill,
D
to Sales Tax Registration, if any applicable; d) Other utility bills, if
any.
a
b) Discrepancy/ doubtful circumstances, if any revealed on such : No.
scrutiny?
35 Whether the documents i.e. Valuation report / approved sanction plan :question
Boundary in
. reflect / indicate any difference / discrepancy in the boundaries in in sketch
map and title deed is
relation to the Title Document / other document. (If the valuation
ihts

same;
report and /or approved plan are not available at the time of
preparation of TIR, please provide these comments subsequently, on
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receipt of the same)

36 a) Whether the Bank will be able to enforce SARFAESI Act, if :- SARFAESI Act
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. required against the property offered as security? is enforceable.

b) Property is SARFAESI compliant (Y/N) :- Yes.
S

37 a) Whether original title deeds are available for creation of equitable :- Yes, After execution
. mortgage & registration of title
deed in favour of
DEEPA JHA,
b) In case of absence of original title deeds, details of legal and other : N/A,
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.
38 Additional suggestions, if any to safeguard the interest of Bank/ :- No.
. ensuring the perfection of security.

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Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
39 The specific persons who are required to create mortgage to deposit :- Mrs. Deepa
. documents creating mortgage. Jha.

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Date:-06.12.2024.

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Place- Midnapore. Signature of the

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Advocate.

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CERTIFICATE OF TITLE
1. I have examined the Xerox copies & Certified copies of Title Deed being No.I-
Annexure-C2
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3004/1971 & 3004/1971 and photocopies of deed no.190300021/2016,

190300472/2016 (Deed of Declaration) (copies applied but yet no obtained) & in
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the name of Smt. Sri Suvayu Panda & Mira Maity, and original sale agreement
intended to be deposited relating to the schedule property/(ies) to be offered as
security by way of Equitable Mortgage and certify that the documents of title referred
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to in the Opinion are valid evidence of Right, title and Interest and if the said Equitable
S

Mortgage is created in the name of Mrs. Deepa Jha, it will satisfy the requirements of
creation of Equitable Mortgage and I further certify that:
2. I have examined the Original/ Certified copy of Documents in detail, taking into
account all the Guidelines in the check list vide Annexure-B and the other relevant
factors and undertake to re-examine the original title deed after completion of
registration formalities and as and when produced.
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
11
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
Acquisition Office, Registrar of Companies Office, Wakf Board (wherever applicable). I
do not find anything adverse which would prevent the proposed Title Holders from
creating a valid Mortgage on production of the original title deed. 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 and relative Original/ Certified

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copy of Title Deeds, certified copies of such title deeds obtained from the concerned
registrar office and encumbrance certificate (EC), I hereby certify the genuineness of

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the Title Deeds in the name of the Sri Suvayu Panda & Mira Maity (since deceased).
Suspicious/ Doubt, if any, has been clarified by making necessary enquiries.

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5. There are prior Mortgage/ Charges/ encumbrances with Bank of India, Midnapore
Branch whatsoever, as could be seen from the Encumbrance Certificate for the

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period from 2011 to 2024 pertaining to the Immovable Property/(ies) covered by
above said Title Deeds.

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6. In case of second/ subsequent charge in favour of the Bank, there are no other
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mortgages/ charges other than already stated in the Loan documents and agreed to
by the Mortgagor and the Bank (Delete, whichever is inapplicable).
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7. Minor/(s) and his/ their interest in the property/(ies) is to the extent of ______NIL______
(Specify the share of the Minor with Name). (Strike out if not applicable).
a
8. The Mortgage if created along with the original sale deed in the name of Mrs. Deepa
Jha, will be available to the Bank for the Liability of the Intending Borrower, Mrs. Deepa
Jha.
9. I certify that Sri Suvayu Panda & Smt. Ballari Panda (Maity) sole legal heir of
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deceased Mira Maity has an absolute, clear and Marketable title over the Schedule
property/ (ies).
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10.I further certify that the above original/ certified copy of title deeds appear to be
genuine and a valid mortgage can be created on the basis of the original title deeds
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including sale deed in the names of Mrs. Deepa Jha and said Mortgage would be
enforceable.
S

11. In case of creation of Mortgage by Deposit of title deeds, I certify that the deposit of
following title deeds/ documents would create a valid and enforceable mortgage:
ON EXECUTION, REGISTRATION AND COLLECTION OF TITLE DEED IN THE NAME
OF MRS. DEEPA JHA, EQUITABLE MORTGAGE IS TO BE CREATE.

12. There are no legal impediments for creation of the Mortgage under any applicable
Law/ Rules in force.
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Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
13. It is certified that the property is SARFAESI compliant.
14. The properties are not related with u/s 14T & 14U of W.B.L.R. Act.

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SCHDULE OF THE PROPERTY/ IES.

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District- Paschim Medinipur, P.S. & A.D.S.R.O- Midnapore, Mouza- Keranitola, J.L. no.171.
Midnapore Municipality limits, ward no.7, Holding no.751, at- Station Road.

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L.R. Kh. no. R.S.Plot L.R. Plot no. Sub- Plot Area Classification.

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no.
629, 275, 275, A, 0. 0350 acre, Danga Pu.
630, 275, 275,
Total measuring an area=0.0640 acre.
Butted and Bounded by:- A ( sa 0.0290 acre -do-
Patit.
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North- 12 ft. wide Municipal Road, South- Ashok Jana, East- House of Sunil Roy, West- Tapas
Maity.
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Place:- Midnapore,
Date:-06.12.2024. Signature of
the advocate
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Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]

CHAIN OF TITLE
That the property measuring an area 0.0640 acre together with building being situated

t)e a
in R.S. & L.R. Plot no.275 of Mouza- Keranitola, J.L No.171, presently recorded under L.R.
Khatian no.629 & 630, under P.S- Midnapore within the District of Paschim Medinipur is

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the subject matter of this TIR.

o
Considering the above mentioned documents and papers, and as per narrations of title

v
deeds, I found and ascertained that-
On 06.05.1971, one Mira Maity purchased measuring an area 0.032 acre with proper

d
boundary and measurement in Plot no.275 of Mouza- Keranitola from Rama Kshay Dutta

A
by virtue of a registered deed of sale being no.3004/1971 SRO- Midnapore.
(
In addition, on 21.05.1975, one Mira Maity further purchased measuring an area 0.032
acre with proper boundary and measurement in Plot no.275 of Mouza- Keranitola from
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Sibendra Kumar Mitra by virtue of a registered deed of sale being no.4196/1975 SRO-
Midnapore.
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And thereby said Mira Mitra purchased total measuring an area 0.0640 acre in Plot
no.275 and possessed such property with her exclusive right title interest thereof. And
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on 28.06.2000 she died leaving behind only daughter Smt. Ballari Panda (Maity) as sole
body of legal heir and said Ballari Panda (Maity) inherited such property under Hindu
Succession Act. Said Smt. Ballari Panda (Maity) also got Succession Certificate from Ld.
District Deligate, Midnapore on 22.11.2001 through Succession Case no.6/2001.
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That on acquisition mutated and recorded her name under L.R. Khatian no.630 of Mouza
- Keranitola, and constructed a pucca building over part of such property after getting
necessary permission from Midnapore Municipality vide P.W. No.150 dt.18.06.2015.
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And thereafter on 07.01.2016, said Smt. Ballari Panda (Maity) transferred and delivered
measuring an area 0.0350 acre out of 0.640 acre in R.S. Plot no.275 in favour of present
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owner Sri Suvayu Panda by executing a registered deed of Gift being

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no.190300021/2016 before ARA-II- Kolkata.

In addition, due to typing mistake in L.R. Plot no.788 of Deed no.190300021/2016, said
Smt. Ballari Panda (Maity) executed and registered a deed of Declaration being
no.190300472/2016 in favour of Suvayu Panda, and morally stating that- L.R. Plot
no.788 has wrongly written instead of actual L.R. Plot no.787, otherwise R.S. Plot no.,
situation, measurement & butted and boundary written correctly in Gift deed. And on
acquisition, said Suvayu Panda mutated and recorded her name under L.R. Khatian
no.629 of Mouza- Keranitola by providing L.R. Plot no.275 thereof.
They have paid Govt. rent and Municipal tax as homestead property to the competent
14
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]
authorities.
And one Mrs. Deepa Jha intended to purchase such land with building from said Smt.
Ballari Panda (Maity) and Suvayu Panda, and in this regards Mrs. Deepa Jha entered into
an agreement for sale dt.04.12.2024 (valid up to three months) with the landlords Smt.
Ballari Panda (Maity) and Suvayu Panda, the terms and conditions as mentioned therein.

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In my opinion, there will be no legal impediment to execute and registered the concerned
sale deed in favour of the applicant Mrs. Deepa Jha.

c
On execution, registration and collection of the original title deed from the concerned

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A.D.S.R.O. / D.S.R.O, the equitable mortgage is to be create in favour of the Bank.

vd
NB- In view of present R.O.R. no.629 & 630 & Online recording system, the area of land
is 0.0640 acre classified as “Danga Puratan Patit”. As well as local Municipal authority
land. A
has sanctioned building plan for constructing multi-storied building (G+3 storied) on
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16.08.2015 thereon, so, this land may be treated as Bastu land as per mode of use of
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In addition, On reply of a letter of SBI dt.05.12.2024, Ld. B.L. & L.R.O. stated that, “the
D
concerned raiyat has paid land revenue for the above mentioned land as per present
mode of use of land i.e. Bastu which may be treated as homestead, not agricultural” vide
a
a letter memo no.3103 dt.06.12.2024 (a copy of such memo letter being attached
herewith).
The property already been mortgaged in favour of Bank of India, Midnapore Branch in
connection with existing loan. SBI may after sanction loan firstly liquidated loan amount
ihts

of said Smt. Ballari Panda (Maity) and Suvayu Panda in Bank of India, and on collection of
original title deedsfrom Bank of India advise to Mrs. Deepa Jha for registration of
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concerned Title Deed in her favor. And on collection of Original Title deed equitable
mortgage is to be create by Bank as per Bank norms.
h

During search, one T.S. No.650/2016 has been found in the name of Suvayu Panda in
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respect of schedule of property under section 34 of Specific Relief act. And on

29.09.2016 said T.S. No.650/2016 dismissed on compromise by the parties of suit. (a
copy of order attached ehrewith).
I have applied for certified copies of title deed no.190300021/2016 & 190300472/2016
at ARA-II Kolkata, the copies of same yet not allow by such office. (Copies of application
attached herewith)

15
Sharmistha Das ADVOCATE
CHAMBER &
B.E.-22 Bidhan Nagar (East)
Approved Lawyer of State Bank of India, Punjab National Bank, P.O.: Midnapore
Vidyasagar Central Co-Op. Bank Ltd, Indian Railway, National Dist.: Paschim Medinipur PIN- 721101
Insurance Co. Ltd. and United India Insurance Co. Ltd. Mob.: 9832134697/ 8250438850
e-mail: [email protected]

Place:- Midnapore,
Date:-06.12.2024. Signature of the
advocate.

t)e ac ovdA ( saD a

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