VIVEK KUMAR SRIVASTAVA    Resi.

-C-132/344,Deewan Bazar(South)
   Advocate     Near Samay Sthan,Gorakhpur-273001
                                                                       Office – Client Shed, Civil, Court, Gorakhpur
.                                                                           Mob No.9415386949
______________________________________________________________________ 
Ref.No. HOU/VAR/0419/673496                                                        Date:13.04.2019

To,
The Branch Manager
PNB Housing Finance Ltd
C-19/134, M-B, 2nd Floor, Tulsi Complex
Shastri Nagar, Sigra,
Varanasi - 221010

 Type of Case : B.T + Top Up

 Status : Clear 
Sir,
            As desired by you the records of Sub-Registrar, Gorakhpur, have been verified by me
for the period of last 13 years for investigation of title in respect of below property. I have also
verified documents mentioned in schedule. On the basis of below Photo copy documents my
Report/ Certificate is given as under:-

SUB: - T I T L E C L E A R A N C E CERTIFICATE
1. Name/s Owner
Smt. Sunita Yadav w/o Sri Aniruddh Yadav Residence- VIll & Po. Naugo
Tehsil Mehdawal Distt. Santkabirnagar U.P.
2. Name/s of the person/s offering mortgage.
3. Smt. Sunita Yadav w/o Sri Aniruddh Yadav Residence- VIll & Po. Naugo
Tehsil Mehdawal Distt. Santkabirnagar U.P.
3. Status of the Owner/s
Individual
4. Status of Mortgagor/s:
Individual/s
5.Description of the Property:-
Mauja- Jungle Chatradhari, Tappa -Khuthan, Paragana-haveli, Tah.-
sadar,Distt.-Gorakhpur Aaraji no.546, area-1500 sq. feet
Bounded as per deed :-
East:- Land Naumi Nishad
West- Rasta 30 feet wide
North- Land Prabhunath
South- Land Prabhunath

4. Particulars of all documents made available for verification:-

Photocopies examined of the following documents:-
 1. Photocopy of sale deed dated 17.11.2014 executed by Prabhu Nath s/o
Raghubar in favour of Smt. Sunita Devi w/o Sri Aniruddh Yadav which is
registered in the office of sub registrar Gorakhpur at Bahi no .1, jild no. 10690,
page no. 397 to 430 serial no. 12372
2.True copy of Latest khatauni 1426 fasli to 1431 fasli khata no. 00349 related
aaraji no. 546
3.Photocopy of LOD issued by DHFL in favour of Smt. Sunita Devi w/o Sri
Aniruddh Yadav in respect of said property

7.DEVOLUTION OF TITLE:-

[Evolution, Background and Tracing of title property/properties i.e. flow of title during
last 13 years (tracing of the title should be explained in chronological order beginning
with the earliest available title deed. All the title deeds should be discussed fully, stating
registration number, document number, dates of execution, name of executors and
executants, etc. & complete history of mutation entries, village records. The chain of
title deeds should clearly establish the title of the property holder. If the chain is broken,
the same should be explained in convincing manner.)]:-
A. Initially, The recital of deed & above mention documents indicate that Prabhu
Nath s/o Raghubar was owner of the property aaraji no. 546 situated Mauja-
Jungle Chatradhari, Tappa -Khuthan, Paragana-haveli, Tah.-sadar,Distt.-
Gorakhpur with transferable right since 1360 fasli.
B. Thereafter Prabhu Nath s/o Raghubar executed registered sale deed dated
17.11.2014 in favour of Smt. Sunita Devi w/o Sri Aniruddh Yadav in respect
of for aaraji no. 546 area 1500 sq. Feet which is registered in the office of sub
registrar Gorakhpur at Bahi no .1, jild no. 10690, page no. 397 to 430 serial no.
12372
C. The name of Smt. Sunita Devi w/o Sri Aniruddh Yadav is recorded in
khatauni.
D. Vendee is major so no minor interest involve in the property. The chain of
property is complete.
E. Thus I am of the view that Smt. Sunita Devi w/o Sri Aniruddh Yadav is
owner of the property with transferable right.
F. As per list of document & statement of account D.H.F.L. Gorakhpur indicate
that, Smt. Sunita Devi w/o Sri Aniruddh Yadav deposit the original title deed
in D.H.F.L. Gorakhpur and take loan. A valid mortgage u/s 58-F transfer of
property act already created in favour of D.H.F.L. Gorakhpur.
G. Thus I am of the view that A valid mortgage can be created in faour of PNBHFL after
collection of original title chain Documents .
5. Year up to which the property tax/society charge has been paid (Description of
property tax/society charge receipt): -
Receipts not made available to us, bank to obtain/verify the same.
6. Whether the particulars of registration as given in the title deeds shown to the
counsel tally with the particulars as stated in the records of the Registrar’s office?
–
Yes
7. Whether the property/properties has/have been mutated in the name/s of the
person/s offering the mortgage?–
Yes.
8. Where there is any bar under any local law for creation of the mortgage on the
property? Whether there are any liabilities or encumbrances over the said
property? -
Yes DHFL Gorakhpur
9. Whether all approval clearance/sanctions required for creation of the mortgage
have been obtained, what are such sanctions, approvals and clearances yet to be
obtained? –
Not Applicable
10. Whether equitable mortgage can be created on this property/ properties?–
After payment of loan liability of DHFL Gorakhpur and release the original title
deed from DHFL Gorakhpur
11. Where the property/properties under consideration involves Land, whether the
Land is Agricultural/ Non Agricultural land, in case of N.A. land/plot-whether it is
allowed for use of Residential/Commercial /Industrial Purpose:-
Residential and non agricultural.
12. Whether there is any construction over the said land and any Permission or
Approved Lay-out plan obtained from Competent Authority? (Please state here
about the permission and approved lay-out for construction and whether the
construction area is as per Approved Lay-out plan and copies verified in original
or photo copy):-
To be checked by the Valuer/Chartered Engineer of the PNBHFL
13. Whether the property/properties is/are coming under the preview of Urban Land
& Ceiling Act?-
Not Applicable
14. Whether the property/ properties is/are owned by the person/s offering mortgage
or on lease? Furnish details for that: -
Freehold Property.
15. Whether the whole/part of the property/properties being offered for mortgage
is/are rented or leased out to any third party? –
Please Refer To Technical Report
16. Description of the inspection receipt issued by the Sub-registrar (number and date,
copy of inspection receipt and year wise search report be attached along with the
report):-
Receipt No. 2019161008977 dated 10.04.2019
17. AT THE TIME OF DELIVERY OF PAY ORDER (S)/DEMAND DRAFT (3) TO
BE MADE BY PNBHFL for BT favouring DHFL Gorakhpur & Top Up in
favouring Smt. Sunita Devi w/o Sri Aniruddh Yadav
18. DOCUMENTS REQUIRED WHILE CREATING E.M. [LIST/DETAILS OF
TITLE DEEDS/DOCUMENTS TO BE DEPOSITED FOR CREATING
MORTGAGE BY DEPOSIT OF TITLE DEEDS]: -
Annexure-A
Prior to Sanction of loan
Critical Document

1.Attested copy of sale deed dated 17.11.2014 executed by Prabhu Nath s/o
Raghubar in favour of Smt. Sunita Devi w/o Sri Aniruddh Yadav which is
registered in the office of sub registrar Gorakhpur at Bahi no .1, jild no. 10690,
page no. 397 to 430 serial no. 12372
2.True copy of Latest khatauni 1426 fasli to 1431 fasli khata no. 00349 related
aaraji no. 546
3.Original LOD issued by DHFL Gorakhpur in favour of Smt. Sunita Devi w/o Sri
Aniruddh Yadav in respect of said property.

4.Original Foreclosure Letter issued by DHFL Gorakhpur in favour of Smt. Sunita

Devi w/o Sri Aniruddh Yadav in respect of said property

Annexure-B
At the time of Delivery of Pay Order(s)/ Demand Draft (s) to the Seller/ Borrowers
Critical Documents
1. Original payment receipt/acknowledgement issued by DHFL Gorakhpur

Annexure-C
Post Disbursal
Critical Documents

1) Original sale deed dated 17.11.2014 executed by Prabhu Nath s/o Raghubar
in favour of Smt. Sunita Devi w/o Sri Aniruddh Yadav for aaraji no. 546 area
1500 sq. Feet which is registered in the office of sub registrar Gorakhpur at
Bahi no .1, jild no. 10690, page no. 397 to 430 serial no. 12372
2) NOC given by DHFL Gorakhpur in favour of Smt. Sunita Devi w/o Sri
Aniruddh Yadav in respect of said property.

CERTIFICATE

THIS IS TO CERTIFY that Smt. Sunita Devi w/o Sri Aniruddh Yadav is the
absolute owner of said property Aaraji no 546 area 1500 sq. feet Situated at Mauja-
Jungle Chatradhari, Tappa -Khuthan, Paragana-haveli, Tah.-sadar,Distt.-Gorakhpur
which is duly registered in Office of Sub-Registrar Gorakhpur, The said property is not
free from all kind of encumbrances, lien, charges, mortgages, etc. After payment of loan
 liability of DHFL Gorakhpur and release the original title deed from DHFL Gorakhpur,
Smt. Sunita Devi w/o Sri Aniruddh Yadav is having valid absolute clear and
marketable title to the said property and can create valid equitable mortgage in favour
of PNB HFL. The mortgage of said property can be enforced (if required) under the
provisions of The Securitization and Reconstruction of Financial Assets and
Enforcement of Securities Act, 2002 and amendments thereto (“SARFAESI”) by PNB
HFL.

Gorakhpur Vivek Kumar Srivastava 

Date:13.04.2019 Advocate