Dated: 26-02-2022

N.Udaya Sagar M.A., L.L.B.

Manager - Legal & Operations (AP&TS)

LEGAL REPORT
Smt. Chatragadda Lakshmi, W/o. Gopala Krishna, for the Property to be mortgaged by
Simple situated at D.No.1-68, Sy no. 393/2, Gudur Village, Gudur Mandal, Krishna District.,,
measuring plot area as Item-1: 484 Sq.Yds, and Item-2: 96 Sq.Yds Yards with following
Boundaries:

Item-1 of the document Scheduled Property of 915/2022

North: Property belongs Tantipudi Nagendra,
South: Property Belongs To Chatragadda Bhaskara Rao ,
East: 2YDS way & Site belongs To Mendu raghavulu,
West: Proiperties belongs to Dasi Krishna and Penumala Venkateswara Rao.

Item-2 of the document Scheduled Property of 915/2022

North: Property belongs to donor,
South: Property Belongs To Rebba Koteswara rao ,
East: 2YDS way & property belongs To Mendu raghavulu,
West: Proiperty belongs To Chatragadda Bhasakara Rao.

Part 1. Details / Description of the Documents/Scrutinized/Verified/Documents to be

collected for Mortgage:

Whether Original / Certified True

Sl.N Date of the
Name of the Document & Type Copy to be taken for creation of
o Document
Mortgage
Copy of Gift Settlement Deed
Original Gift Settlement Deed with Regd
with Regd Doc No. 915/2022/
Doc No. 915/2022/ dt. 04/02/2022
1 04/02/2022 dt. 04/02/2022 executed by
executed by Chiluvuri Gopala Krishna,
Chiluvuri Gopala Krishna, S/o
S/o Bhasakara Rao.
Bhasakara Rao..

Part 2. : Title Flow Chart (Title Tree): (Chain of title)

1. Gift Settlement Deed with Regd Doc No. 915/2022 dt. 04/02/2022 executed by By
Chiluvuri Gopala Krishna, S/o Bhasakara Rao., resident of Gudur Village,GudurMandal,
and Krishna District.

N. UDAYA SAGAR || Manager Legal || AP-TS ||For HMPL

 2. Possession and Enjoyment Certificate issued by Village Revenue Officer/Mucipal
Commissioner/Concerned Authority, D.No.1-68, Sy no. 393/2, Gudur Village, Gudur
Mandal, Krishna District, on 25/02/2022for 20 years and above. This Certificate issued
in favour of Chatragadda Lakshmi.

3. Certificate of encumbrance on 64799141 dt. 25/02/2022from 01/01/1983 to

24/02/2022.

Part 3: Brief History of the Property and how the Mortgagor has derived the Title: (Special
importance to area of the Property and legal heirs):

The property situated within the fields of Gudur Village, Gudur Mandal, in Sy no. 393/2,

D.No.1-68, an extent of as Item-1: 484 Sq.Yds, and Item-2: 96 Sq.Yds Yards, Mrs Chatragadda

Lakshmi has having ownership the property through a Regd Gift Settlement Deed with

Registration No. 915/2022, dt. 04/02/2022 registered before Gudivada S.R.O. Mothert S.R.O.

Machilipatnam Sub Registrar.

This property is Ancestral and Gifted in nature. Chatragadda Lakshmi acquired the

property from chatragaddaGopala Krishna, S/o Bhasakara Rao., executed a Gift Settlement Deed

with Regd Doc No. 915/2022, on dt.04/02/2022 infavour of Smt. Chatragadda Lakshmi.

Chatragadda Gopala Krishna, S/o Bhasakara Rao., Possessed the entire property on 04/02/2022

and handed over the schedule property on the same day. As per the available documents and

recitals in the documents Chatragadda Lakshmi is the Owner of the property and enjoying the

schedule mentioned property without interruption from the date of Settlement to till date.

Possession and Enjoyment Certificate issued by Village Revenue Officer/Mucipal

Commissioner/Concerned Authority, D.No.1-68, Sy no. 393/2, Gudur Village, Gudur Mandal,

Krishna District, on 25/02/2022for 20 years and above in break-up. This Certificate issued in

favour of Chatragadda Lakshmi. Presently Chatragadda Lakshmi having an extent of as Item-1:

484 Sq.Yds, and Item-2: 96 Sq.Yds Yards. She was in peaceful possession and enjoyment of the

schedule property without interruption till date.

N. UDAYA SAGAR || Manager Legal || AP-TS ||For HMPL

 Part 4: Search (Receipt & Date) and Investigation / E. C. and any adverse comments on Title:

Certificate of encumbrance on 64799141 dt. 25/02/2022from 01/01/1983 to 24/02/2022 issued

by SRO Gudivada S.R.O. Mothert S.R.O. Machilipatnam.

No encumbrances seen

Part 5: List of Documents (please Specify Original / Certified copy) for Creation of Mortgage:

Original or

Sl.No. Document Particulars Certified True

Copy

Original Gift Settlement Deed with Regd Doc No. 915/2022 dt. 04/02/2022
1 executed by By Chatragadda Gopala Krishna, S/o Bhasakara Rao., resident  Original
of Gudur Village,Gudur Mandal, krishna District.,. 
Possession and Enjoyment Certificate issued by Village Revenue
Officer/Mucipal Commissioner/Concerned Authority, D.No.1-68, Sy no.
2 393/2, Gudur Village, Gudur Mandal, Krishna District, on 25/02/2022for Original
20 years and above. This Certificate issued in favour of Chatragadda
Lakshmi
 Certificate of encumbrance on 64799141 dt. 25/02/2022from
3 01/01/1983 to 24/02/2022 issued by SRO Gudivada S.R.O. Mothert S.R.O.  Original
Machilipatnam.

Part 6: CERTIFICATE: I Certify that on the basis of above documents seen and verified, along with
attached enclosure Smt Chatragadda Lakshmi, W/o Gopala Krishna(borrower/s) is having clear,
marketable and unencumbered/ Possessary title and they can Mortgage the property by Simple /
Registered Mortgage in favour of Godavari Urban Multi State Credit Co-Operative Society
Limited/Hindusthan MicroFinance Private Limited(BC Partner).

Kind information: This is also treated as a vetting and final scrutiny report.

(SIGNATURE OF LEGAL OFFICER ALONGWITH NAME & OFFICE SEAL)

N. UDAYA SAGAR || Manager Legal || AP-TS ||For HMPL

 Smt : Chatragadda Lakshmi W/o Gopala Krishna Remarks
Mortgaged Property Address: D.No.1-68, Sy.No. 393/2,. Gudur Village, Gudur Mandal,
Krishna District.,, measuring plot area as Item-1: 484 Sq.Yds, and Item-2: 96 Sq.Yds Yards.  

Whether the Borrower/(s) had Absolute, Clear and Marketable title over the Having Ownership right
Property/ies proposed to be mortgaged on the property/ies and create valid Mortgage

a) What is the nature of the title of the owner i.e. tenancy right, full ownership, occupancy
right, possessory right, minor's right or any other type of right? Clarify Ownership Right

(b) Leasehold immovable property/ies (whether the land building(s) is/are lease hold
lease verify the terms of the lease(s) the name and address (es) of the lessor (s) and
whether any permission/NOC from the lessor(s) Company authority is required for
transfer (such as mortgage, sale etc.) of the property/ies). Not Applicable
Whether there is any restriction/Prohibition under the property/ies under the title deeds
through which he/she has derived the title. No Such Restricted
Whether the latest title deeds and the immediately previous title deeds are available in Yes
Originals
Whether the Building tax/land revenue has been paid upto date No Dues

In case the loan is sought for construction purpose - whether the land has been converted
under the land revenue laws? If not required to be converted, give reasons Not Applicable
(a) Is / Are the property/ies free from encumbrances Yes

(b) Please give detailed account of charge/mortgage or redemptions for a minimum

period of 13 years and also state the subsisting charge / mortgage if any, mentioned in
the encumbrance certificate for the last 13 years. Not Applicable
Simple Mortgage
Type of Mortgage (Registered or Simple). If Simple, whether all original title deeds are Yes
available for creation of Simple Mortgage

Whether property/ies is/are freehold or leasehold or sell occupied or tenanted? If

tenanted, whether the property/ies can be take as mortgage and what precautions to be
taken. Free hold Property
Whether NOC obtained from concerned in case of Flats / office owned / controlled by
societies. Not Applicable
Whether all owners of the Property joined in the creation of mortgage of the
property/ies either by deposit of title deeds or by registered mortgage, etc. Yes

There are No Prior Mortgage/Charge whatsoever as could be seen from the record of
Index-II, for the period of 13 or 30 years pertaining to the immovable property/ies by the
above said title deeds. Not Applicable
There are no claims from minor/s and his/their interest in the property/ties is/are to the
extent of (specify the share of Minor's with name). No Minor Claims
The Mortgage is created will be perfect and available to the GODAVARI URBAN MULTY
STATE CREDIT CO-OPERATIVE SOCIETY LIMITED/HINDUSTHAN MICRO FINANCE
PRIVATE LIMITED(BC PARTNER) for the liability of the intending borrower Yes Simple Mortgage
If Any Adverse remark observed in Title and or in Creation of Mortgage (Simple /
Registered), please specify : Nil
( SIGNATURE OF LEGAL OFFICER ALONGWITH NAME & OFFICE SEAL )

N. UDAYA SAGAR || Manager Legal || AP-TS ||For HMPL

N. UDAYA SAGAR || Manager Legal || AP-TS ||For HMPL