Ref. no. 89469918 Dated:- 15.1.

2024
ANNUXRE – I
LEGAL OPINION IN LOAN PROPOSAL NO 89469918
Credit Manager,
HDFC Bank Limited
Location: Tapa.
: Title Search Report Bhola Singh S/o Sukhdev Singh& Leimber Singh S/o Bhola Singh & Amarjit
in the case of: Singh S/o Bhola Singh R/o Sooch Distt. Bathinda.
Property: Agriculture Land 160 Kanals 17,1/5 Marlas i.e 20.10 Acers situated with in
revenue limits of village Sooch Teh. Balianwali Distt. Bathinda.
Sir,
Please refer to your instructions on the captioned matter for conducting complete title search report.
In this connection, I submit our report as under, I confirm that report is submitted on personal
verification of records kept with Circle Patwari, Sub Registrar and verification that
documents submitted were verified from concerned government officer and were genuine.
1 Name of the applicant /borrower & Co Applicant: Bhola Singh S/o Sukhdev Singh& Leimber Singh S/o
& Bhola Singh & Amarjit Singh S/o Bhola Singh R/o
2 Sooch Distt. Bathinda.
3 Name of Owners Bhola Singh S/o Sukhdev Singh& Leimber Singh S/o
Bhola Singh & Amarjit Singh S/o Bhola Singh R/o
Sooch Distt. Bathinda.
4 Status of Owner Individual Property
(I confirm that owners of property are individual)
5 Total Agriculture land owned (Calculation bases on records verified):- Copy of Jamabandi for the Year 2020-
(a) 21 Sooch Tehsil Balianwali District Bathinda in the name of Bhola Singh S/o Sukhdev Singh& Leimber
Singh S/o Bhola Singh & Amarjit Singh S/o Bhola Singh R/o Sooch Distt. Bathinda.

Khewat/ Khataui No. Total share Owner-ship Cultivation Gair Mumkin/

Khewat (K-M) (K-M) Other land
Ownership of Bhola Singh 543/10715 share, Leimber Singh 5343/42860 share, Amarjit Singh 5343/42860 share
in village Sooch
3/6 to 10 536-04 3/10 160-17,1/5 148-02,2/5
Total Land 160-17,1/5 148-02,2/5

Detail of the Property as under:-

Land measuring 160 Kanals 17,1/5 Marlas

Land 160 Kanals 17,1/5 Marlas comprised in Khata/Khatoni No. 3/6 to 10 Khasra Nos.

situated at Sooch Distt. Bathinda Jamabandi year 2020-21 Hadbast No. 3.

Remaining free land

B Breif Facts: Total Land in Acres Agriculture Land 160 Kanals 17,1/5
(Ownership) Marlas i.e 20.10 Acers situated with in
revenue limits of village Sooch Teh.
Balianwali Distt. Bathinda.
(Cultivation) Cultivation of land measuring 148 Kanals
02,2/5 Marlas as per jamabandi which is
provide to me.

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C Present Encumbrance on land
Name of Bank Rapat No Date of Creation Amount Remarks
HDFC Bank 558 30-8-2012 1320000/- Bhola Singh
Branch
Rampura Phul
SBOP (now 862 21-8-2008 275000/- Amarjit Singh
SBI) Branch
Chauke
SBOP (now 868 26-8-2008 275000/- Leimber Singh
SBI) Branch
Chauke
D Agriculture Land offered for Mortgage:
Detail of Agriculture land offered for mortgage:-nil
6 Nature of Property Agriculture (Nehri)
Please Confirm whether the property is:
Freehold acquired from parties other than government :- yes
Freehold acquired from government :-No
Leasehold acquired from parties other than government or it agencies/ authorities:- No
Leasehold acquired from governmental agencies (such as GIDC, MIDC, etc) :-NO
Government land :- No
Owned by Hindu Undivided Family :- No
Owned by/acquired from joint stock limited liability company with/without appropriate powers granted by its
Memorandum of Association and/or Articles of Association concerning ownership, mortgage and transfer of
properties, including the subject property:-No
Acquired or in the process of acquisition under the
Land Acquisition Act:- No
7 Details of documents examined/perused: (Please specify whether original/copy)
A) Copy of Jamabandi for the Year 2020-21 Sooch Tehsil Balianwali District Bathinda.
B) Khasra Girdawari for the period Sauni 2021 Harri 2021.
C) Record inspection receipt for the period for 13 years.
D) Affidavit : NO.
8 Details of any Acquisition proceedings etc. pending as per the NO
revenue records:
9 Purpose of Loan: Agriculture
10 Special comments like Legislative Interventions viz. Land No
Reforms Act, Urban Ceiling Act, Hindu Minority Act etc.
(optional).
11 Steps/Documents required prior to disbursement of loan:
1.Copy of Jamabandi Certified
2.Copy of Girdawari Certified
3.Id Proof of Applicant and Co-applicant Attested Copies
4. NEC, TSR Original
5. Registered Mortgaged deed/Schedule (4)(1) in favour of Original
H.D.F.C Bank Ltd.
6. Affidavit of Applicants/Borrower Original
MUST (Critical Documents)Please state whether required in Original
original or copy
DESIRABLE (Non Critical Documents): Please state whether Original
required in original or copy.
12 Steps/Documents required for registered mortgage Post
disbursement of loan:

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 1. Jamabandi with Charge/Rapat in favour of Bank.
13 Flow of Title:-
(Lawyer Should Mention the detail as of how the applicant
became the owner of the land, or how the land was inherited,
whether family transfer of land took place or land was
partitioned etc. details should be given in brief)
Certified
In above mention Khewats applicants are
owner in possession in Ownership Coloum
which is Shown as owner in the revenue
record i.e.):-):- Copy of Jamabandi for the
Year 2020-21 Sooch Tehsil Balianwali
District Bathinda

CHECK LIST:
Please State in Yes / No with reasons, if any
1 Whether the history and flow of Title has been traced adequately for Yes, Inspection of index:- personally
a period of 13 years or more? search with Halqa patwari. I Verified the
land records online with Govt. site and
same is matching with physical land
record provided.
2 Whether the Ownership is Obtained through any G.P.A or Will or N.A
any other Way?
3 Whether the chain of title to property from person/s has been Yes, ):- Copy of Jamabandi for the Year
maintained throughout and up-to date. 2020-21 Sooch Tehsil Balianwali
District Bathinda
4 Whether the Encumbrance Certificate or Search Report covering Yes,
the period of 13 years prior to scrutiny of title has been verified,
5 In case the property to be mortgaged is a flat/apartment whether its Not applicable to agriculture land
title has been certified as clear, marketable with reference to special
enactment if any applicable to the respective flat/apartment?
6 In case the property to be mortgaged is a flat/apartment whether its N.A, property is agriculture land.
title has been and no special enactment is applicable to it, whether
the title to the flat/apartment has been certified together with
undivided share in the land on which the building comprising the
flats has been constructed and right for common areas and
amenities?.
7 Whether the title of the applicant to the property/apartment is clear, Yes
Marketable. Free from encumbrances and free from claim of minors
or HUF-
8 Whether equitable mortgage Can be Created on the basis of the No, as Agriculture land Only Registered
documents as listed in 7 and 11 above? Mortgage be Created as agriculture land.

9 If the title holder is a company, wheter search report of register of No

charges maintained by the registrar of Companies (ROC) has been
made to ensure that the property is free from Charge?
Whether search @ SRO office and Tehsildar has been made to Yes, Personal search was conducted by
10. ensure that the property offered as mortgage is property mutated in me in respect of above stated property of
the mortgagor name and is free from charge. applicant/borrower and inspected the
revenue records for last 13 years.
Conclusion/Observations.
If any(to be highlighted any discrepancies Notified).
1 On scrutiny of ownership/revenue documents at SRO office no Yes
discrepancy was found. All documents/Indexes required for
conducting the search were available for scrutiny.
2 On scrutiny of ownership/revenue documents at Tehsil/Patwari Yes
office No discrepancy noticed on flow of title.
3 Genuineness (ownership and extend of land holding) of land Yes

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 revenue records is checked at Tehsil/Patwari office (Yes/No)
4. There is no charge of other Bank/Society. Yes, nothing except mentioned in
ownership table
5. Does property has no deficient/ missing title document. Yes
Final Certificate:
A) I have visited the SRO office/Tehsil office and conducted search at SRO for 13 years. (Search fee receipt is
enclosed as proof of search) vide Receipt no. 56887537 Dated 15.1.2024.
B) I Have Visited the revenue the revenue officer/Tehsil office and conducted search at the office for 13 years.
C) I have checked and confirmed genuineness of documents submitted from Tehsil/Patwari office.
D) There are no encumbrances/charges on the said property as a result as a result of the search conducted. (Except
Mentioned in Para 5(C).
E) The property is clear and marketable for the purpose of creating mortgage.
Online Jambandi Check Done And Fonud Ok
F)
Submitted by
Nam of the Advocate
MANINDERPAL SINGH BRAR
ADVOCATE, BATHINDA.
Enrolment no. P/3206/2008

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