SRABANI SARKAR

Advocate

To, Date: 06.02.2024

The Branch Manager

Durgapur Steel People’s Co-operative Bank Ltd.

Loan Department

Benachity, Durgapur

Annexure – B: Report of Investigation of Title in Respect of Immovable Property.

1 Name of the Branch / BU / Office Seeking Durgapur Steel People’s Co-

Opinion operative Bank Ltd.

Reference No. and date of the letter under Loan Department

the cover of which the documents tendered
for scrutiny are forwarded. Benachity, Durgapur

Name of the Borrower(s) Rajendra Kumar Choudhury, son of

Late Shivnath Choudhury, by faith
Hindu, by profession Service,
resident of Main Gate , P.O.-Durgapur
, Pin – 713203. , Dist- Paschim
Bardhaman, West Bengal.

2 Type of Loan Home Building Loan

Type of property Bastu

3 Name of the Rajendra Kumar Choudhury, son of

unit/concern/company/person offering the Late Shivnath Choudhury, by faith
property/(ies) as security. Hindu, by profession Service,
resident of Main Gate, P.O.-
Durgapur , Pin – 713203. , Dist. -
Paschim Bardhaman, West Bengal.

Constitution of the Individual

 unit/concern/person/body/authority
offering the property for creation of charge.

State as to under what capacity is security Borrower

offered (whether as joint applicant or
borrower or as guarantor, etc.)

4 Value of Loan 12, 00, 000/- (Twelve Lakhs Only)

5 Complete or full description of the A piece and parcel of Bastu Land

immovable property/(ies) offered as admeasuring 1.72 katha plot of
security including the following details. land in L.R. Plot No. – 372
corresponding to R.S. Plot No. 477
and 0.53 Katha plot of land in L.R.
Plot No. - 373, corresponding to
R.S. Plot No. 478/1279, in total
2.25 Katha or 3.7125 Decimal
within Mouza- Dhandabad, J.L.
No. - 66, under L.R. Khatian No. -
5954, under the jurisdiction of
Durgapur Municipality
Corporation, Dist. - Paschim
Burdwan, West Bengal.

b) Survey No. J.L. No. – 66

c) Door/House No. (in case of house property) “N.A.”

Extent / area including plinth / built up N/A

area in case of house property

Location like name of the place, village, city, J.L.No. - 66, Mouza- Dhandabag,
registration, sub-district etc. Boundaries. P.S – Durgapur, Durgapur Municipal
Corporation, ADSR, Durgapur,
Paschim Bardhaman, B.L. & L.R.O.
Butted & Bounded by :-

North: 12 ft wide proposed road.

South: R.S. Plot NO - 478/1279

East: R.S. Plot NO - 477 and

478/1279

West: R.S. Plot NO- 477 and

478/1279

6 Particulars of the documents scrutinized- Photocopy

 serially and chronologically.

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. No. Date Name/Nature of Original/Certified In case of

Documents copy/certified copies,
extract/photo whether the
copy, original was
scrutinized
by the
Advocate.

Verified Copy
Photocopy of Regd. deed of Sale being no - 2169
for the year 2016 of A.D.S.R. Durgapur
Original L.R Parcha in favour of Rajib Kumar
Choudhury
Photocopy of Khajna Receipt
Photocopy of Conversion Certificate and ADDA NOC
7. a) Whether certified copy of all title
documents are obtained from the
NO
relevant sub-registrar office and
compared with the documents
made available by the proposed
mortgagor? (Please also enclose all
such certified copies and relevant
fee receipts along with the TIR.)
(HL : if the value of loan => Rs. 1
Core and the case of commercial
loans irrespective of the land
component)

b) Whether all pages in the NO

certified copies of title documents
which are obtained directly from
Sub Registrar’s Office have been
 verified page by page with the
original documents submitted?

(in case originals title deed is not

produced for comparing with the
certified or ordinary copies should
be handled more diligently &
cautiously)

8. a) Whether the records of That verified from online site of

registrar office or revenue www.wbregistration.gov.in/&www.banglarbhumi.gov
authorities relevant to the .in/
property in question are
available for verification
through any online portal or
computer system?

b) If such online / computer www.banglarnhumi.gov.in/

records are available, whether
any verification or cross
checking are made and the
comments / findings in this
regard.

c) Whether the genuineness of No

the stamp paper is possible to
be got verified from any online
portal and if so whether such
verification was made?

d) Whether proper registration of Yes,

documents completed. Details
thereof to be provided.

9. a) Property offered as security ADSR, Durgapur

falls within the jurisdiction of
which sub-registrar office?

b) Whether it is possible to have Yes

registration of documents in
respect of the property in It can either be registered at DSR Asansol or ADSR
question, at more than one Durgapur or it can be registered at RA Kolkata
office or sub-registrar/district
registrar/registrar-general. If
so, please name all such office?

c) Whether search has been A Search for encumbrances has been made only at
made at all the offices named ADSR Durgapur office and the said Encumbrance Slips
 at (b) above?
d) Whether the searches in the No
offices of registering
authorities or any other
records reveal registration of
multiple title documents in
respect of the property in
question?
10 a) Chain of title tracing the title
. from the oldest title deed to the
latest title deed establishing the
title of the property in question
from predecessors in title/interest
to the current title holder.
b) Wherever Minor’s or other clog Minor’s interest is not involved in this mortgaged
on title is involved, search should property.
be made for a further period,
depending on the need for
clearance of such clog on the title.
c) Nature of Minor’s interest, if any Minor’s interest is not involved in this mortgaged
and if so, whether creation of property.
mortgage could be possible, the
modalities/procedure to be
are attached herewith. Not done in DSR Asansol, RA
Kolkata.
The proposed mortgage property belonged to Biswajit
Singha son of Late Sudhir Chandra Singha, Satyajit
Singha son of Late Sudhir Chandra Singha, and Mamta
Chatterjee wife of Rokshakar Chatterjee under LR
Khatian 2889, 2890 & 409 and thereafter in the year
of 2010 Mamta Chatterjee wife of Rokshakar
Chatterjee appointed her husband Rokshakar
Chatterjee as the lawful power of attorney holder for
her all property by virtue of Power of Attorney Deed
vide No. 00350 of 2010 registered before the ADSR,
Durgapur. The present borrower Rajendra Kumar
Choudhury purchased the proposed mortgage
property from the aforementioned three vendors
namely Biswajit Singha son of Late Sudhir Chandra
Singha, Satyajit Singha son of Late Sudhir Chandra
Singha, and Mamta Chatterjee wife of Rokshakar
Chatterjee under LR Khatian 2889, 2890 & 409.
After searching it was revealed that the total area of
the LR Plot No. 372 and 373 is large one and therefore
the Biswajit Singha son of Late Sudhir Chandra
Singha, Satyajit Singha son of Late Sudhir Chandra
Singha, and Mamta Chatterjee wife of Rokshakar
Chatterjee are selling plots in small parts to several
persons.
 followed including court
permission to be obtained and the
reasons for coming to such
conclusion.

a) Nature of Title of the intended

Mortgagor over the Property
11 (Whether full ownership rights, Full Ownership Rights
. Leasehold Rights, Occupancy /
Possessory Right or Name Holder
or Govt. Grantee / Allottee etc.)

b) if ownership Rights, Yes

c) Details of the Conveyance 2169 for the year 2016 of A.D.S.R., Durgapur
Documents

d) whether the documents are Yes

properly stamped

e) If leasehold, whether; Not Applicable

f) The Lease Deed is duly stamped Not Applicable

and registered

g) The lessee is permitted to Not Applicable

mortgage the Leasehold right,

h) duration of the Lease/unexpired Not Applicable

period of lease,

i) if, a sub-lease, check the lease Not Applicable

deed in favour of Lessee as to
whether Lease deed permits sub-
leasing and mortgage by Sub-
Lessee also.

j) Whether the leasehold rights Not Applicable

permits for the creation of any
superstructure (if applicable)?

k) Right to get renewal of the Not Applicable

leasehold rights and nature thereof.

l) If Govt. grant/ allotment/Lease- Not Applicable

cum/Sale Agreement / Occupancy /
Inam Holder / Allottee etc,
whether;
 m) grant/ agreement etc. provides Not Applicable
for alienable rights to the
mortgagor with or without
conditions?

n) the mortgagor is competent to Not Applicable

create charge on such property?

o) any permission from Govt. or Not Applicable

any other authority is required for
creation of mortgage and if so
whether such valid permission is
available?

p) If occupancy right, whether; Not Applicable

q) Such right is heritable and Not Applicable

transferable,

r) Mortgage can be created Yes

12 Has the property has been N/A

. transferred by way of
Gift/Settlement Deed,

a) The Gift/Settlement Deed is N/A

duly stamped and registered;

b) The Gift/Settlement Deed has N/A

been attested by two
witnesses;

c) The Gift/Settlement Deed N/A

transfers the property to
Donee;

d) Whether the Donee has N/A

accepted the gift by signing the
Gift/Settlement Deed by a
separated writing or by
implication or by actions’

e) Whether there is any N/A

restriction on the Donor in
executing the gift/settlement
deed in question;

f) Whether the Donee is in N/A

possession of the gifted
 property;

g) Whether any life interest is N.A.

reserved for the Donor or any
other person and whether
there is a need for any other
person to join the creation of
mortgage;

h) Any other aspect affecting the N.A.

validity of the title passed
through the gift/settlement
deed.

13 Has the property been Not Applicable

. transferred by way of partition
/ family settlement deed

a) whether the original deed is Not Applicable

available for deposit. If not the
modality/procedure to be
followed to create a valid and
enforceable mortgage

b) Whether mutation has been Not Applicable

effected

c) Whether the mortgagor is in Not Applicable

possession and enjoyment of
his share

d) Whether the partition made is Not Applicable

valid in law and the mortgagor
has acquired a mortgageable
title thereon.

e) In respect of partition by a Not Applicable

decree of court, whether such
decree has become final and
all other conditions/
formalities are completed/
complied with.

f) Whether any of the documents Not Applicable

in question are executed in
counterparts or in more than
one set? If so, additional
precautions to be taken for
 avoiding multiple mortgages?

14 Whether the title documents No

. include any testamentary
documents / wills?

a) In case of wills, whether the Not Applicable

will is registered will or
unregistered will?

b) Whether will in the matter Not Applicable

needs a mandatory probate
and if so whether the same id
probated by a competent
court?

c) Whether the property is Not Applicable

mutated on the basis of will?

d) Whether the original will is Not Applicable

available?

e) Whether the original death Not Applicable

certificate of the testator is
available?

f) What are the circumstances Not Applicable

and / or documents to
establish the will in question is
the last and final will of the
testator?

(Comments on the
circumstances such as the
available of 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 deeds are to be
explained.)

15 a) Whether the property is No

. subject to any wakf rights/
belongs to church / temple or
 any religious institutions

b) any restriction in creation of Not Applicable

charges on such properties?

c) Precautions/permissions, if Not Applicable

any in respect of the above
cases for creation of mortgage?

16 a) Where the property is a No

. HUF/Joint family property,

b) Whether mortgage is created No

for family

benefit/legal necessity,

whether the Major

Coparceners have no
objection/join in execution,
minors share if any, rights of
female members etc.

c) Please also comment on any Does Not arise

other aspect which may
adversely affect the validity of
security in such cases?

17 a) Whether the property belongs Does Not arise

. to any trust or is subject to the
rights of any trust?

b) Whether the trust is a private Does Not arise

or public trust and whether
trust deed specifically
authorized the mortgage of the
property?

c) If YES, additional Does Not arise

precautions/permissions to be
obtained for creation of valid
mortgage?

d) Requirements, if any for Does Not arise

creation of mortgage as per
the central/state laws
applicable to the trust in the
 matter.

18 a) If the property is Agricultural No restrictions for creation/enforcement of mortgage

. land,

whether the local laws permit

mortgage of Agriculture land
and whether there are any
restrictions for
creation/enforcement of
mortgage.

b) In case of agricultural property Does Not arise

other relevant records /
documents as per local laws, if
any are to be verified to ensure
the validity of the title and
right to enforce the mortgage?

c) In the case of conversion of Already converted the said land as Bastu

Agricultural land for
commercial purposes or
otherwise, whether requisite
procedure
followed/permission obtained.

19 a) Whether the property is affected The property is not affected by any local Laws
. by any local laws or other agricultural Laws, weaker section etc.
regulations having a bearing on the
creation security (Viz. Agricultural
Laws, weaker Sections, minorities,
Land Laws, SEZ regulations, Costal
Zone Regulations, Environmental
Clearance, etc.)

b) Additional aspects relevant for Not Applicable

investigation of title as per local
laws.

20 a) Whether the property is No

. subject to any pending or
proposed land acquisition
 proceedings?

b) Whether any search / enquiry No

is made with the Land
Acquisition Office and the
outcome of such search /
enquiry.

21 a) Whether the property is The property is not involved or any subject matter of
. involved in or subject matter any litigation.
of any litigation which is
pending or concluded?

b) If so, whether such litigation Not Applicable

would adversely affect the
creation of a valid mortgage or
have any implication of its
future enforcement?

c) Whether the title documents No court seal, no attachment order is pending relating
have any court seal/marking to the property in question.
which points out any litigation
attachment/security to court
in respect of the property in
question? In such case please
comment on such
seal/marking.

22 a) In case of partnership firm, Not Applicable

. whether the property belongs
to the firm and the deed is
properly registered.

b) Property belonging to Not Applicable

partners, whether thrown on
hotchpot? Whether formalities
for the same have been
completed as per applicable
laws?

c) Whether the person(s) Not Applicable

creating mortgage has/have
authority to create mortgage
for and on behalf of the firm.

23 Whether the property belongs to a Not Applicable

. Limited Company, check the
Borrowing powers, Board
 resolution, authorization to create
mortgage/execution of documents
Registration of any prior charge
with the Company Registrar (ROC),
Articles of Association / provision
for common seal etc.

b)i) Whether the property (to be Not Applicable

mortgaged) is purchased by the
above company or limited Liability
Partnership(LLP) firm? Yes/No

ii) If Yes, Whether the search of Not Applicable

charges of the property (to be
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 Not Applicable

charges reveals any prior
charges/encumbrances, on the
property (proposed to be
mortgaged ) created by the vendor
company(seller)

iv)If the search reveals Not Applicable

encumbrances/charges, whether
such charges/encumbrances have
been satisfied?

24 In case of Societies, Association, the Not Applicable

. required authority/power to
borrower and whether the
mortgage can be created, and the
requisite resolutions, bye-laws.

25 a) Whether any POA is involved Yes, IV-00350 for the year 2010. One vendor Mamta
. in the chain of title during the Chatterjee wife of Rokshakar Chatterjee appointed her
period of search? husband Rokshakar Chatterjee as the lawful power of
attorney holder for her all property.

b) Whether the POA involved is N.A

one coupled with interest, i.e. a
Development Agreement-cum-
Power of Attorney. If so, please
clarify whether the same is a
 registered document and
hence it has created an
interest in favour of the
builder/developer and as such
is irrevocable as per law.

c) In case the title document is Not Applicable

executed by the POA holder,
please clarify whether the POA
involved is (i) one executed by
the Builders viz.
Companies/Firms/Individual
or Proprietary Concerns in
favour of their
Partners/Employees/Authoriz
ed Representatives to sign Flat
Allotment Letters, NOCs,
Agreement 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, N.A

whether a certified copy of
POA is available and the same
has been verified/compared
with the original POA.

e) In case of Common POA (i.e., Exercise all powers for the sale of the proposed mortgage
POA other than Builder’s POA), property.
please clarify the following
clauses in respect of POA.

i) Whether the original POA is NO

verified and the title
investigation is done on the
basis of the original POA?

ii) Whether the POA is a YES

registered one?

iii Whether the POA is a special GENERAL

) or general one?
 iv Whether the POA contains a NO
) specific authority for execution
of title document in question?

f) Whether the POA was in force IN FORCE. Not ascertained by the ADSR, Durgapur but
and not revoked or had from searching it has revealed that in recent times the
become invalid on the date of Power Holder has executed deed on behalf of the
execution of the document in Principal.
question? (please clarify
whether the same has been
ascertained from the office of
sub-registrar also?)

g) Please comment on the From the Photocopy of the registered POA it seems that it
genuineness of POA? is genuine but advised to go through the original POA or
the certified one.

h) The unequivocal on the Clear and Enforceable.

enforceability and validity of
the POA?

26 Whether mortgage is being created NO

by a POA holder, check genuineness
of the Power of Attorney and the
extent of the power given therein
and whether the same is properly
executed / stamped authenticated
in terms of the Law of the place,
where it is executed.

27 a) If the property is a Residential

flat/Apartment or
Residential/Commercial
Complex,

Promoter’s / Land owner’s Possessor

title to the land/building;

b) Development Agreement / N.A

Power of Attorney;

c) Extent of authority of the N.A

Developer/builder;
d) Independent title verification Independent title verification of the land is done
of the Land and / or building
in question;

e) Agreement for sale (duly N.A

registered);

f) Payment of proper stamp Not Applicable

duty;

g) Requirement of registration of Not Applicable

sale agreement, development
agreement, POA, etc.;

h) Approval of building plan, Yes, the approved Building Plan by Durgapur

permission of Municipal Corporation vide Building Permit No. SWS-
appropriate/local authority, OBPAS/1102/2023/1046
etc.;

i) Conveyance in favour of Not Application

Society/Condominium
concerned;

j) Occupancy Certificate / Not Applicable

allotment letter / letter of
possession;

k) Membership details in the Not Applicable

Society etc;

l) Share Certificates; Not Applicable

m No Objection Letter from the Not Applicable

) Society;

n) All legal requirements under Municipal Corporation Laws

the local/Municipal laws,
regarding ownership of
flats/Apartments/Building
Regulations, Development
Control Regulations, Co-
operative Societies’ Laws etc.

o) Requirements, for noting the Not Applicable

Bank charges on the records of
the Housing Society, if any;

p) If the property is a vacant land Not Applicable

and construction is yet to be
 made, approval of lay out and
other precautions, if any.

q) Whether the numbering Not Applicable

pattern of the units/flats tally
in all documents such as
approved plan, agreement
plan, etc.

r) Whether the Real Estate Not Applicable

Project comes under Real
Estate (Regulation and
Development)Act, 2016? Y/N.

s) Whether the Project is Not Applicable

registered with the Real Estate
Regulatory Authority? If So,
the details of such registration
are to be furnished,

t) Whether the registered Not Applicable

agreement for sale as
prescribed in the above
Act/Rules there under is
executed?

u) Whether the details of the Not Applicable

apartment/plot in question
are 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, The property is possessed by Rajendra Kumar

. and/or claim whether of Choudhury and he is the present owner and Possessor
Government, Central or State or thereof and is free from all sorts of encumbrances
other Local authorities or Third
there is no encumbrance, claim or attachment over
Party, claims, Liens etc. and details
thereof. the property.

29 The period covered under the Registry Searching from 2007 to 2024 of ADSR
. Encumbrances Certificate and the Durgapur and CERSAI Searching Report.
name of the person in whose favour
the encumbrance is created and if
 so, satisfaction of charge, if any.

30 Details regarding property tax or The Khajna for the proposed mortgaged property is due
. land revenue or other statutory from January 2023 to till date as per the provided
dues paid/payable as on date and if photocopy of LR Khajna Receipt.
not paid, what remedy?

31 a) Urban land ceiling clearance, Yes, Required and Clerance already obtained from Asansol
. whether required and if so, Durgapur Development Authority vide Memo No.
details thereon. ADDA/DGP/DP/2023/0557 dated 16.03.2023

b) Whether No objection Not required

Certificate under the Income
Tax Act is required / obtained.

32 a) Details of RTC extracts/mutation The property is possessed by Sri Rajendra Kumar

. extracts / katha extracts pertaining Choudhury and he is the present owner and Possessor
to the property in question. thereof is free from all sorts of encumbrances and
there is no encumbrance, claim or attachment over
the property. Sri Rajendra Kumar Choudhury is the
Present LR recorded owner under Khatian 5954 and
has clear title over the proposed mortgaged property.

b) Whether the name of mortgagor Yes in LR Record of Right, DMC Holding Tax and
is reflected as owner in the revenue Khajna Receipt.
/ Municipal / Village records?

33 a) Whether the property offered Yes, it is demarcated.

. as security is clearly
demarcated?

b) Whether the demarcation / Yes

partition of the property is
legally valid?

c) Whether the property has Yes

clear access as per documents

(The Property should be

legally accessible through
normal carries to transport
goods to factories/houses, as
the case may be).

34 Whether the property can be The property can be identified by following document.
. identified from the following
documents and discrepancy /
doubtful circumstances, if any
revealed on such scrutiny?

a) Documents in relation to No
electricity connection;

b) Documents in relation to water No

connection;

c) Documents in relation to sales No

Tax Registration, if any
applicable;

d) Other utility bills, if any. No

35 Whether the documents i.e. No difference has been reflected.

. Valuation report / approved
sanction plan reflect / indicate any
difference / discrepancy in the
boundaries in relation to the Title
Document / other
North: 12 ft wide proposed road.
South: R.S. Plot NO - 478/1279
East: R.S. Plot NO - 477 and 478/1279

document. (If the valuation report West : R.S. Plot NO- 477 and 478/1279
and /or approved plan are not
available at the time of preparation
of TIR, please provide these
comments subsequently, on receipt
of the same).

36 Whether the Bank will be able to Yes, SARFESI Act is applicable against the
. enforce SARFESI Act, if required property.
against the property offered as
security?

Property is SARFESI YES.

compliant(Y/N)

37 a) Whether original title deeds are Yes

. available for creation of equitable
mortgage

b) In case of absence of original N.A.

title deeds, details of legal and
other 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 Suggested to check the genuineness of the following

. safeguards the interest of documents with the examined photocopy and to keep all
Bank/ensuring the perfection of the original documents as Equitable Mortgage. If genuine
security. then Registered Mortgage is not required. Equitable
Mortgage is advised with the registration of CERSAI.

1. Original Title Deed and Previous POA

2. Original LR Parcha or RoR

3. Original Conversion Certificate

4. Original LR Khajna Receipt

5. Electric Bill if any

6. Original NOC

7. Original Approved Building Plan.

39 The specific persons who are The Intended Borrower only along with other
. required to create mortgage / to documents as mentioned in Annexure—C
deposit documents creating
mortgage.

Date -09.02.2024

Place –Durgapur

Signature of the Advocate

CERTIFICATE OF TITLE

Annexure – C

I have examined the Photocopy of the Title Deed, intended to be deposited relating to the
schedule property/(ies) and already offered as security by way of Registered or Equitable
or English Mortgage and that the documents of title referred to in the Opinion are valid
evidence of Right, title and Interest only after proper verification and scrutiny of the
original deeds and documents with the photocopies that I examined and that if the said
Equitable Mortgage is created, it will satisfy the requirements of creation of Equitable
Mortgage and I further certify that:
 1. I have examined the photocopied Documents in detail, taking into consideration that
the Mortgagor has all the original documents and failed to provide me and into
account all the Guidelines in the check list vide Annexure B and the other relevant
factors. I do not find any Original Document.

2. I confirm having made a search in the ADSR, Durgapur and CERSAI records from the
year 2007 to till date and I also confirm having verified and checked the records of
the ADSR, Durgapur and CERSAI, I do not find anything adverse which would
prevent the title holder from creating a valid mortgage except any false
misrepresentation, cheating or forgery.

3. Following scrutiny of photocopies of the Title Deed, POA, LR Parcha, NOC of ADDA,
Holding Tax of DMC, LR Khajna Receipt, Approved Building Plan obtained from the
bank with the Searching Report but not with Certified Copies I do not certify the
genuineness of the Title Deeds. It is advised to the Mortgagor to verify all the
Original Documents with the Photocopies that I examined.

4. There are no prior Mortgage or Charges or encumbrances whatsoever, as could be

seen from the Encumbrance Certificate in the form of ADSR Searching for the period
from 2007 to 2024 and Online CERSAI Report pertaining to the immovable
Property/(ies) covered by above said Title Deeds. The property is free from all
Encumbrances.

5. In case of second or subsequent charges in favour of the Bank, there are no other
mortgage or charges other than already stated in the Loan documents and agreed to
by the Mortgage by the Bank.

6. The Mortgage if created then the said Mortgage will be available to the Bank for the
Liability of the Intended Borrower

I declare that Rajib Kumar Choudhury will establish his/her absolute, clear and Marketable
title over the Schedule property/(ies). I do not certify that the above title deeds are genuine
but a mortgage can be created only after the prove of its genuineness.

In case of creation of Mortgage by Deposit of title deeds or Equitable Mortgage, I certify

that the deposit of original title deeds or documents would create a valid and enforceable
mortgage & SARFAESI Act shall be applicable: -

1. Sale deed 2169 for the year 2016 of A.D.S.R. Durgapur

There are no legal impediments for creation of the Mortgage on production of original of
title deeds any applicable Law/Rules in force.
SCHEDULE OF THE PROPERTY (IES)

A piece and parcel of Bastu Land admeasuring 1.72 katha plot of land in L.R. Plot No. – 372
corresponding to R.S. Plot No. 477 and 0.53 Katha plot of land in L.R. Plot No. - 373,
corresponding to R.S. Plot No. 478/1279, in total 2.25 Katha or 3.7125 Decimal within
Mouza- Dhandabad, J.L. No. - 66, under L.R. Khatian No. - 5954, under the jurisdiction of
Durgapur Municipality Corporation, Dist. - Paschim Burdwan, West Bengal.

Butted and bounded by:

North: 12 ft wide proposed road.

South: - R.S. Plot NO - 478/1279

East: R.S. Plot NO - 477 and 478/1279

West : R.S. Plot NO- 477 and 478/1279

Date: 09.02.2024

Place -Durgapur

Signature of the Advocate

CHAIN OF TITLE

I have examined all the deeds and documents of the above property and I give my
search Report and Non-encumbrances certificate on the property as follows: -
A piece and parcel of Bastu Land admeasuring 1.72 katha plot of land in L.R. Plot No. – 372
corresponding to R.S. Plot No. 477 and 0.53 Katha plot of land in L.R. Plot No. - 373,
corresponding to R.S. Plot No. 478/1279, in total 2.25 Katha or 3.7125 Decimal within
Mouza- Dhandabad, J.L. No. - 66, under L.R. Khatian No. - 5954, under the jurisdiction of
Durgapur Municipality Corporation, Dist. - Paschim Burdwan, West Bengal.

North: 12 ft wide proposed road., South: - R.S. Plot NO - 478/1279, East: R.S. Plot NO - 477
and 478/1279, West : R.S. Plot NO- 477 and 478/1279
WHEARES
1. The proposed mortgage property belonged to Biswajit Singha son of Late Sudhir
Chandra Singha, Satyajit Singha son of Late Sudhir Chandra Singha, and Mamta
Chatterjee wife of Rokshakar Chatterjee under LR Khatian 2889, 2890 & 409 and
thereafter in the year of 2010 Mamta Chatterjee wife of Rokshakar Chatterjee
appointed her husband Rokshakar Chatterjee as the lawful power of attorney
holder for her all property by virtue of Power of Attorney Deed vide No. 00350 of
2010 registered before the ADSR, Durgapur. The present borrower Rajendra
Kumar Choudhury purchased the proposed mortgage property from the
aforementioned three vendors namely Biswajit Singha son of Late Sudhir
Chandra Singha, Satyajit Singha son of Late Sudhir Chandra Singha, and Mamta
Chatterjee wife of Rokshakar Chatterjee under LR Khatian 2889, 2890 & 409.
After searching it was revealed that the total area of the LR Plot No. 372 and 373
is large one and therefore the Biswajit Singha son of Late Sudhir Chandra Singha,
Satyajit Singha son of Late Sudhir Chandra Singha, and Mamta Chatterjee wife of
Rokshakar Chatterjee are selling plots in small parts to several persons.
2. That I confirm having made a search in the land revenue records I do not find
anything which would prevent the title holder from creating a valid mortgage.
3. That the documents discussed above are complete and sufficient to cover, clear
and marketable title only after verification of the original deeds and genuineness
and the tenancy law will not affect the Bank’s right in eventually taking
possession of the property as MORTGAGE and SARFAESI Act shall be enforceable
over the schedule land.
I certify that Sri Rajendra Kumar Choudhury has the clear, absolute and marketable
title over the property mentioned in the schedule above only after production of the
Original Title Deed, LR Parcha or RoR, Conversion Certificate, LR Khajna Receipt,
Electric Bill if any, NOC, Approved Building Plan.