Dated: 26-02-2022

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

Manager - Legal & Operations (AP&TS)

LEGAL REPORT

Smt. Kappala Naga Jyothi, W/o. Sundara Ramireddy, for the Property to be mortgaged by
Simple situated at D.No.NR 2-108A, Sy no. 3242/10, Pittalavanipalem H/o Pittuvaripalem
Village,Pittalavani Palem Mandal, Guntur District., measuring plot area 242 Sq Yards with
following Boundaries:

North: Site of Maturi Krishna Kumari,

South: Site of Borru Srinivasa Rao,
East: Panta Bode (Agri Canal),
West: Site of Pittu Govardhana Reddy.

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
o Document
Copy of Sale Deed with Regd Doc
No. 2271/2021/ dt. 28/08/2021
1 28/08/2021
executed by Thumma Venkata
Siva Reddy, S/o Polireddy.
As Link: Copy of Sale Deed with
Regd Doc No. 1362/2017/ dt.
2 25/07/2017 25/07/2017 executed by Borru
Srinivasa Rao, S/o Narasimha
Rao
As Link: Copy of Sale Deed with
Regd Doc No. 1628/2016/ dt.
3 27/10/2016
27/10/2016 executed by Vari
Ramireddy, S/o Subbareddy
Copy to be taken for creation of
Mortgage
Original Sale Deed with Regd Doc No.
2271/2021/ dt. 28/08/2021 executed by
Thumma Venkata Siva Reddy, S/o
Polireddy
As Link: Original/CC’s of Sale Deed with
Regd Doc No. 1362/2017/ dt.
25/07/2017 executed by Borru
Srinivasa Rao, S/o Narasimha Rao
As Link: Original/CC’s of Sale Deed with
Regd Doc No. 1628/2016/ dt.
27/10/2016 executed by Vari
Ramireddy, S/o Subbareddy

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

1. Sale Deed with Regd Doc No. 2271/2021 dt. 28/08/2021 executed by By Thumma
Venkata Siva Reddy, S/o Polireddy, resident of Pittalavanipalem H/o Pittuvaripalem
Village,Pittalavani Palem Mandal, and Guntur District.,.

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

 2. As Link: Copy of Sale Deed with Regd Doc No. 1362/2017/ dt. 25/07/2017 executed by
Borru Srinivasa Rao, S/o Narasimha Rao.

3. As Link: Copy of Sale Deed with Regd Doc No. 1628/2016/ dt. 27/10/2016 executed by
Vari Ramireddy, S/o Subbareddy.

4. Possession and Enjoyment Certificate issued by Village Revenue Officer/Mucipal

Commissioner/Concerned Authority, D.No.NR 2-108A, Sy no. 3242/10, Pittalavanipalem
H/o Pittuvaripalem Village,Pittalavani Palem Mandal, Guntur District, on 25/02/2022 for
30 years and above. This Certificate issued in favour of Kappala Naga jyothi.

5. Certificate of encumbrance on 64751541 dt. 23/02/2022 from 01/01/1983 to 22/02/2022.

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 Pittalavanipalem H/o Pittuvaripalem Village,
Pittalavani Palem Mandal, in Sy no. 3242/10, Door No. NR 2-108A, an extent of 242 Sq Yards,
Mr/Mrs Kappala Naga Jyothi has having ownership the property through a Regd Sale Deed with
Registration No. 2271/2021, dt. 28/08/2021 registered before M.V.Palem Sub Registrar.

This property is Self-Acquired in nature. Kappala Naga Jyothi acquired the property
Thumma Venkata Siva Reddy, S/o Polireddy, executed a Sale Deed with Regd Doc No. 2271/2021,
on dt.28/08/2021 infavour of Smt. Kappala Naga Jyothi. Thumma Venkata Siva Reddy, S/o
Polireddy, Possessed the entire property on 28/08/2021 and handed over the schedule property
on the same day. As per the available documents and recitals in the documents Kappala Naga
Jyothi is the Owner of the property and enjoying the schedule mentioned property without
interruption from the date of Sale to till date. Possession and Enjoyment Certificate issued by
Village Revenue Officer/Mucipal Commissioner/Concerned Authority, D.No.NR 2-108A, Sy no.
3242/10, Pittalavanipalem H/o Pittuvaripalem Village,Pittalavani Palem Mandal, Guntur District,
on 25/02/2022 for 30 years and above. This Certificate issued in favour of Kappala Naga jyothi.
Presently Kappala Naga Jyothi having an extent of 242 Sq 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 64751541 dt. 23/02/2022 from 01/01/1983 to 22/02/2022 issued

by SRO M.V.Palem.

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 Sale Deed with Regd Doc No. 2271/2021 dt. 28/08/2021 executed
by By Thumma Venkata Siva Reddy, S/o Polireddy, resident of
1  Original
Pittalavanipalem H/o Pittuvaripalem Village,Pittalavani Palem Mandal,
Guntur District.,. 
As Link: Copy of Sale Deed with Regd Doc No. 1362/2017/ dt. 25/07/2017
2 Original/CC’s
executed by Borru Srinivasa Rao, S/o Narasimha Rao
As Link: Copy of Sale Deed with Regd Doc No. 1628/2016/ dt. 27/10/2016
3 Original/CC’s
executed by Vari Ramireddy, S/o Subbareddy
Possession and Enjoyment Certificate issued by Village Revenue
Officer/Mucipal Commissioner/Concerned Authority, D.No.NR 2-108A, Sy
4 no. 3242/10, Pittalavanipalem H/o Pittuvaripalem Village,Pittalavani Original
Palem Mandal, Guntur District, on 25/02/2022 for 30 years and above.
This Certificate issued in favour of Kappala Naga jyothi
 Certificate of encumbrance on 64751541 dt. 23/02/2022 from
5  Original
01/01/1983 to 22/02/2022 issued by SRO M.V.Palem.

Part 6: CERTIFICATE: I Certify that on the basis of above documents seen and verified, along with
attached enclosure Smt Kappala Naga Jyothi, W/o Sundara Ramireddy(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.

NOTE: This Report Valid With all Link Documents in Original/Certified Copies.

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

 (SIGNATURE OF LEGAL OFFICER ALONGWITH NAME & OFFICE SEAL)

Smt : Kappala Naga Jyothi W/o Sundara Ramireddy Remarks

Mortgaged Property Address: D.No.NR 2-108A, Sy no. 3242/10, Pittalavanipalem H/o
Pittuvaripalem Village,Pittalavani Palem Mandal, Guntur District.,, measuring plot area
242 Sq 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

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

( SIGNATURE OF LEGAL OFFICER ALONGWITH NAME & OFFICE SEAL )

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