Date: 12.03.

2020
ANNEXURE – B:
REPORT OF INVESTIGATION OF TITLE IN RESPECT OF IMMOVABLE PROPERTY.
(All columns/items are to be completed/commented by the panel advocate)
1 a)Name of the Branch/ Business Unit/Office seeking State Bank Of India
SME Branch, Cuddalore
opinion.
b) Reference No. and date of the letter under the
cover of which the documents tendered for scrutiny
are forwarded.
c) Name of the Borrower. Mr.T.Kannan
S/oThirunavukarasu.
2. a)Name of the unit/concern/ company/person Mr.T.Kannan
offering the property/ (ies) as security. S/oThirunavukarasu.
b)Constitution of the unit/concern/
Individual
person/body/authority offering the property for
creation of charge.
c)State as to under what capacity is security offered Borrower
(whether as joint applicant or borrower or as
guarantor, etc.)
3. Complete or full description of the immovable Referred below
property/
(ies) offered as security including the following
details.
(a) Survey No. Referred below
(b) Door/House no. ( in case of house property) Referred below
(c) Extent/ area including plinth/ built up area in Referred below
case of house property
(d) Locations like name of the place, village, city, Referred below
registration, sub-district etc. Boundaries.
Schedule of Property:
Cuddalore R.D., Cuddalore Joint 1 Sub R.D.., within the limit of Cuddalore Municipality,
Pudupalayam Village, Ward No. 6, Block No. 31, T.S. No. 1028/- Ac. 0.23696 Sq.ft. T.S.
1031 – Ac. 4.41818 Sq.ft. in that layout formed as Ranganathan Nagar with Approval
No. 41/59, in that Plot No. 1, 2 Door No. 11/2, Tax assessment no. 17606.

Plot no. 1 measuring 2700 Sq.ft. Plot No. 2 measuring 3600 Sq.ft. totally 6300
Sq.ft. measuring east west northern side 90 ft. southern side 90 ft. south north eastern
side 70 ft. western side 70 ft including R.C.C. roofed building, plot garden, EB Service
fittings, EB connection Nos. 2,3 and Municipality water connection

Boundaries: East of Dhamodara Mudaliar Banglow, West of South north layout road,
North of house in plot No. 3,South of Manoranjitham Ammal house
4. a). Particulars of the documents scrutinized-serially and
chronologically.
b). Nature of documents verified and as to whether they are
originals or certified copies or registration extracts duly certified.

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Note: Only originals or certified extracts from the registering/land/
revenue/ other authorities be examined
Sl. Date Name/ Nature of the Document Original/ In case of
No. certified copies, whether
copy/ the original
certified was scrutinized
extract/ by the
photocopy, Advocate.
etc.
1. 05.11.1960 Registered Sale deed executed by Original Original
Manoranjitham Ammal in favour of
Arunachala Mudaliar Doc.
No.1557/1960
2. 20.11.1965 Registered Sale deed executed by Original Original and
Arunchala Mudaliar in favour of and Reg. Reg. Copy
Copy
Kamala Doc, No. 308/1966
3. 12.11.1965 Registered Sale deed executed by Original Original
Arunachala Mudaliar in favour of
Rajaguru. Doc. No. 309/1966
4. 12.09.1974 Registered Sale deed executed by Original Original
Rajaguru in favour of Kamala Doc.
No. 1290/1974
5. 11.02.1982 Proceedings with building plan Original Original
approval by Commissioner,
cuddalore Municipality
6. 21.03.1991 Will deed executed by Kamala in Reg. Copy Reg. Copy
favour of Kumaran
Doc. No. 15/1991
7. 16.12.1999 Death and legal heir certificate of Original
Kamala issued by Thasildar, Photocopy
Cuddalore
8. 27.02.2001 Registered General power of Original Original
Attorney deed executed by
(Principal) Kumaran in favour of
Power Agent Chandrasekaran
Doc. No. 234/2001
9. 12.02.2001 Registered General power of Original Original
Attorney deed executed by
Kumaran in favour of
Chandrasekaran Doc. No.
157/2001
10. 05.07.2006 Registered Sale deed executed by Original Original
POA Chandrasekaran in favour of
Kannan Doc. No. 1574/2006
11. 11.03.2020 Registered MOD Executed By Original Original
Mr.T.Kannan to and in favour of
State Bank of India vide Doc
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 No.2212/2016 registered in SRO
Cuddalore Joint II.
12. 29.02.2000 Patta in the name of Kumaran Photocopy Photocopy
issued by Tahsildar, Cuddalore
13. 17.02.2011 Patta in the name of Kannan issued Photocopy Photocopy
by Tahsildar, Cuddalore
14. 09.02.2007 Water Connection name change Photocopy Photocopy
order to kannan
15. 23.11.1999 Tax assessment name change Photocopy Photocopy
order to kannan
16. 04.07.2006 Property tax receipt Photocopy Photocopy

17. 16.06.2015 Town survey field register issued Photocopy Photocopy

by Commissioner, Cuddalore
Municipality
18. 11.03.2016 Encumbrance Certificate No. 1272 Original Original
from 01.01.1987 to 10.03.2016
19. 11.03.2020 Encumbrance Certificate for the Original Original
Period from 01.01.2016 to
04.03.2020 Vide
E.C.No.37456805/2020 issued by
SRO Cuddalore Joint I.
5. a) Whether certified copy of all title documents are obtained from NO
the 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.)
b) i) Whether all pages in the certified copies of title documents NO
which are obtained directly from Sub-Registrar’s office have been
verified page by page with the original documents submitted?
b) ii) Where the certified copies of the title documents are not Not applicable
available, the copy provided should be compared with the original
to ascertain whether the total page numbers in the copy tally page
by page with the original produced.
(In case originals title deed is not produced for comparing with the
certified or ordinary copies should be handled more diligently &
cautiously.)
6. a) Whether the records of registrar office or revenue authorities Yes
Encumbrance
relevant to the property in question are available for verification
Certificate
through any online portal or computer system?

b) If such online/computer records are available, whether any Yes

verification or cross checking are made and the comments/ findings
in this regard.
c) Whether the genuineness of the stamp paper is possible to be got Not applicable
verified from any online portal and if so whether such verification
Page 3 of 19
 was made?
7. a) Property offered as security falls within the jurisdiction of which SRO, CUddalore
Joint I.
sub-registrar office?
b)Whether it is possible to have registration of documents in No
respect of the property in question, at more than one office of sub-
registrar/ district registrar/ registrar- general. If so, please name all
such offices?

c)Whether search has been made at all the offices named at (b) Not applicable
above?
d)Whether the searches in the offices of registering authorities or No
any other records reveal registration of multiple title documents in
respect of the property in question?
8. Chain of title tracing the title from the oldest title deed to the latest
title deed establishing title of the property in question from the
predecessors in title/interest to the current title holder. And
wherever Minor’s interest or other clog on title is involved, search
should be made for a further period, depending on the need for
clearance of such clog on the Title.
In case of property offered as security for loans of Rs.1.00
crore and above, search of title/ encumbrances for a period of
not less than 30 years is mandatory. (Separate Sheets may be
used)
FLOW OF TITLE:
The property offered as security measures 6300 Sq.ft originally purchased by one
Manoranjitham Ammal. After many years of enjoyment said Manoranjitham Ammal
sold the property measuring 6300 Sq.ft. through a registered sale deed on 05.11.1960
in favour of one Arunachala Mudaliar and he had been in possession and enjoyment of
the said property.

After many years of enjoyment said Arunachala Mudaliar sold the property measuring
3600 Sq.ft only through a registered sale deed on 20.11.1965 in favour of one Kamala
and she had been possession and enjoyment of the said property.

After that said Arunachala Mudaliar sold the remaining extent of the property
measuring 2700 Sq.ft through a registered sale deed on 12.11.1965 in favour of
Rajaguru and he had been in possession and enjoyment of the said property.

After many years of enjoyment said Rajaguru sold the said property measuring 2700
Sq.ft through a registered sale deed on 12.09.1974 in favour of the said Kamala and
she had been in possession and enjoyment of the said property.

After the purchase of the property Kamala got house building plan approval from

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 Commissioner, Cuddalore Municipality and constructed a house.

After many years of enjoyment said Kamala executed a registered will deed in respect
of the total extent of property measuring 6300 Sq.ft. on 21.03.1991 in favour of her
son Kumaran. After the death of Kamala, as per the will said Kumaran took possession
and enjoyment of the said property. To note the death of Kamala, as per the will said
Kumaran took possession and enjoyment of the said property. To note the death of
Kamala her legal heir certificate is produced herewith.

After that, said Kumaran executed a two separate registered general power deeds in
respect of the property measuring 3600 Sq.ft. and 2700 Sq.ft on 12.02.2001 and
27.02.2001 respectively and appointed one Chandrasekar, as his power agent to sell
the house property on his behalf.

As per the power received said POA Chandrasekar sold the total extent of the property
measuring 6300 Sq.ft. through a registered sale deed on 05.07.2006 in favour of
Kannan and now he is in possession and enjoyment of the said house property.

Thereafter the Said Mr.T.Kannan has Executed Registered MOD to and in favour of
State Bank of India vide Doc No.2212/2016 registered in SRO Cuddalore Joint II dated
2242/2016.

House tax assessment and water connection are changed in the name of Kannan. He
has paid the house tax and produced the receipt herewith. Patta also transferred in the
name of Kannan. Though the borrower Kannan purchased the house property through
a power agent all revenue records and patta changed in his name. He is continuous
possession and enjoyment of the house property nearly 14 years. At this juncture
separate affidavit to prove the genuinity of the document from the principal or the
power agent is not required. Original power deeds also produced herewith.

Encumbrance Certificate No. 1272 from 01.01.1987 to 10.03.2016 dated 11.03.2016

and Encumbrance Certificate for the Period from 01.01.2016 to 04.03.2020 Vide
E.C.No.37456805/2020 issued by SRO Cuddalore Joint I dated 11.03.2020 was
produced

Hence based on documents produced I am of the opinion that Mr.T.Kannan

S/oThirunavukarasu (Borrower) possessing clear, valid, absolute, marketable,
conveyable title over the Property offered as security.
9. Nature of Title of the intended Mortgagor over the Absolute Ownership
Property (whether full ownership rights, Leasehold
Rights, Occupancy/ Possessory Rights or Inam Holder or

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 Govt. Grantee/Allottee etc.)
10. If leasehold, whether; Not Applicable
a)lease Deed is duly stamped and registered Not Applicable
b)lessee is permitted to mortgage the Leasehold right, Not Applicable
c)duration of the Lease/unexpired period of lease, Not Applicable
d)if, a sub-lease, check the lease deed in favour of Lessee Not Applicable
as to whether Lease deed permits sub-leasing and
mortgage by Sub-Lessee also.
e)Whether the leasehold rights permits for the creation of Not Applicable
any superstructure (if applicable)?
f)Right to get renewal of the leasehold rights and nature Not Applicable
thereof.
11. If Govt. grant/ allotment/Lease-cum/Sale Agreement, No
whether;
grant/ agreement etc. provides for alienable rights to the Not Applicable
mortgagor with or without conditions,
the mortgagor is competent to create charge on such Not Applicable
property,
whether any permission from Govt. or any other authority Not Applicable
is required for creation of mortgage and if so whether such
valid permission is available.
12. If occupancy right, whether;
a)Such right is heritable and transferable, Yes
b)Mortgage can be created. Yes
13. Nature of Minor’s interest, if any and if so, whether Not applicable
creation of mortgage could be possible, the
modalities/procedure to be followed including court
permission to be obtained and the reasons for coming to
such conclusion.
14. If the property has been transferred by way of Not applicable
Gift/Settlement Deed, whether:
a) The Gift/Settlement Deed is duly stamped and Not applicable
registered;
b) The Gift/Settlement Deed has been attested by two Not applicable
witnesses;
c) The Gift/Settlement Deed transfers the property to Not applicable
Donee;
d) Whether the Donee has accepted the gift by signing the Not applicable
Gift/Settlement Deed or by a separated writing or by
implication or by actions;
e) Whether there is any restriction on the Donor in Not applicable
executing the gift/settlement deed in question;
f) Whether the Donee is in possession of the gifted Not applicable
property;
g) Whether any life interest is reserved for the Donor or Not applicable
any other person and whether there is a need for any

Page 6 of 19
 other person to join the creation of mortgage;
h) Any other aspect affecting the validity of the title passed Not applicable
through the gift/settlement deed.
15. (a).In case of partition/family settlement deeds, whether Not applicable
the original deed is available for deposit. If not the
modality/procedure to be followed to create a valid and
enforceable mortgage.
(b).Whether mutation has been effected and whether the Not applicable
mortgagor is in possession and enjoyment of his share.
(c).Whether the partition made is valid in law and the Not applicable
mortgagor has acquired a mortgagable title thereon.
(d).In respect of partition by a decree of court, whether Not applicable
such decree has become final and all other conditions/
formalities are completed/ complied with.
(e).Whether any of the documents in question are Not applicable
executed in counterparts or in more than one set? If so,
additional precautions to be taken for avoiding multiple
mortgages?
16. Whether the title documents include any testamentary Yes will is Registered
documents /wills?
(a) In case of wills, whether the will is registered will
or unregistered will?

(b) Whether will in the matter needs a mandatory No

probate and if so whether the same is probated by a
competent court?
(c) Whether the property is mutated on the basis of yes
will?
(d) Whether the original will is available? Xerox

(e) Whether the original death certificate of the No

testator is available?
(f) What are the circumstances and/or documents to Yes
establish the will in question is the last and final will of the
testator?
(Comments on the circumstances such as the availability
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.)
17. (a) Whether the property is subject to any wakf rights? Not applicable

(b) Whether the property belongs to church/ temple or Not applicable

any religious/other institutions having any restriction in
creation of charges on such properties?
(c) Precautions/ permissions, if any in respect of the Not applicable
Page 7 of 19
 above cases for creation of mortgage?

18. (a) Where the property is a HUF/joint family property, Not applicable
mortgage is created for family benefit/legal necessity,
whether the Major Coparceners have no objection/join in
execution, minor’s share if any, rights of female members
etc.
(b) Please also comment on any other aspect which Not applicable
may adversely affect the validity of security in such cases?

19. (a) Whether the property belongs to any trust or is Not applicable
subject to the rights of any trust?
(b) Whether the trust is a private or public trust and Not applicable
whether trust deed specifically authorizes the mortgage of
the property?
(c) If so additional precautions/permissions to be Not applicable
obtained for creation of valid mortgage?
(d) Requirements, if any for creation of mortgage as Not applicable
per the central/state laws applicable to the trust in the
matter.
20. (a) If the property is Agricultural land, whether the Not applicable
local laws permit mortgage of Agricultural land and
whether there are any restrictions for
creation/enforcement of mortgage.
(b) In case of agricultural property other relevant Not applicable
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 Agricultural land for Not applicable
commercial purposes or otherwise, whether requisite
procedure followed/permission obtained.
21. Whether the property is affected by any local laws or other Not applicable
regulations having a bearing on the creation security (viz.
Agricultural Laws, weaker Sections, minorities, Land Laws,
SEZ regulations, Costal Zone Regulations, Environmental
Clearance, etc.),
22. (a) Whether the property is subject to any pending or Not applicable
proposed land acquisition proceedings?
(b) Whether any search/enquiry is made with the Land Not applicable
Acquisition Office and the outcome of such
search/enquiry.
23. (a) Whether the property is involved in or subject Not applicable
matter of any litigation which is pending or concluded?
(b) If so, whether such litigation would adversely affect Not applicable
the creation of a valid mortgage or have any implication of
its future enforcement?

Page 8 of 19
 (c) Whether the title documents have any court seal/ Not applicable
marking 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.
24. (a) In case of partnership firm, whether the property Not applicable
belongs to the firm and the deed is properly registered.
(b) Property belonging to partners, whether thrown on Not applicable
hotchpot? Whether formalities for the same have been
completed as per applicable laws?
(c) Whether the person(s) creating mortgage has/have Not applicable
authority to create mortgage for and on behalf of the firm.

25. a)Whether the property belongs to a Limited Company, Not applicable

check the Borrowing powers, Board resolution,
authorisation to create mortgage/execution of documents,
Registration of any prior charges with the Company
Registrar (ROC), Articles of Association /provision for
common seal etc.
b) i) Whether the property (to be mortgaged) is purchased Not applicable
by the above Company from any other Company or
Limited Liability Partnership (LLP) firm? Yes / No.
b) ii) If yes, whether the search of charges of the property Not applicable
(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)?
b) iii) Whether the above search of charges reveals any Not applicable
prior charges/encumbrances, on the property (proposed
to be mortgaged) created by the Vendor Company (seller)?
Yes / No.
b) iv) If the search reveals encumbrances/charges, Not applicable
whether such charges/ encumbrances have been satisfied?
Yes / No.
26. In case of Societies, Association, the required Not applicable
authority/power to borrower and whether the mortgage
can be created, and the requisite resolutions, bye-laws.
27. (a) Whether any POA is involved in the chain of title? Yes POA registered
(b) Whether the POA involved is one coupled with Not coupled with interest
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 executed by the POA NA

Page 9 of 19
 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/ Authorized Representatives to
sign Flat Allotment Letters, NOCs, Agreements 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, whether a certified copy of Not applicable
POA is available and the same has been verified/compared
with the original POA.
(e) In case of Common POA (i.e. POA other than Not applicable
Builder’s POA), please clarify the following clauses in
respect of POA.
i. Whether the original POA is verified and the title Yes
investigation is done on the basis of original POA?
ii. Whether the POA is a registered one? Yes

iii. Whether the POA is a special or general one? General

iv. Whether the POA contains a specific authority for No

execution of title document in question?
(f) Whether the POA was in force and not revoked or POA was in force and nor
revoked.
had become invalid on the date of execution of the
document in question? (Please clarify whether the same
has been ascertained from the office of sub-registrar also?)
(g) Please comment on the genuineness of POA? The POA is executed and
registered in the
required stamp papers. It
is true and genuine one.

(h) The unequivocal opinion on the enforceability and The POA was Valid and
validity of the POA? enforceable

28. Whether mortgage is being created by a POA holder, check Not applicable
genuineness of the Power of Attorney and the extent of the
powers given therein and whether the same is properly
executed/ stamped/ authenticated in terms of the Law of
the place, where it is executed.
29. If the property is a flat/apartment or Not applicable
residential/commercial complex, check and comment on
the following:
(a).Promoter’s/Land owner’s title to the land/ building; Not applicable
(b).Development Agreement/Power of Attorney; Not applicable
(c).Extent of authority of the Developer/builder; Not applicable
(d).Independent title verification of the Land and/or Not applicable
building in question;
(e).Agreement for sale (duly registered); Not applicable
(f).Payment of proper stamp duty; Not applicable

Page 10 of 19
 (g).Requirement of registration of sale agreement, Not applicable
development agreement, POA, etc.;
(h).Approval of building plan, permission of Yes produce
appropriate/local authority, etc.;
(i).Conveyance in favour of Society/ Condominium Not applicable
concerned;
(j).Occupancy Certificate/allotment letter/letter of Not applicable
possession;
(k).Membership details in the Society etc.; Not applicable
(l).Share Certificates; Not applicable
(m).No Objection Letter from the Society; Not applicable
(n).All legal requirements under the local/Municipal laws, Not applicable
regarding ownership of flats/Apartments/Building
Regulations, Development Control Regulations, Co-
operative Societies’ Laws etc.;
(o).Requirements, for noting the Bank charges on the Not applicable
records of the Housing Society, if any;
(p).If the property is a vacant land and construction is yet No
to be made, approval of lay-out and other precautions, if
any.
(q).Whether the numbering pattern of the units/flats tally Not applicable
in all documents such as approved plan, agreement plan,
etc.
30. Encumbrances, Attachments, and/or claims whether of No
Government, Central or State or other Local authorities or
Third Party claims, Liens etc. and details thereof.

31. The period covered under the Encumbrances Certificate From 01.01.1987 to
and the name of the person in whose favour the 10.03.2016 and
01.01.2016 to
encumbrance is created and if so, satisfaction of charge, if
04.03.2020 , reveals that
any. the present title owner is
Mr.T.Kannan
S/oThirunavukarasu by
entered with sale
agreement no other
change is made as per
E.C.
32. Details regarding property tax or land revenue or other Document is produced
statutory dues paid/payable as on date and if not paid,
what remedy?
33. (a) Urban land ceiling clearance, whether required and Does not arise
if so, details thereon.
(b) Whether No Objection Certificate under the Income Does not arise
Tax Act is required/ obtained.
34. Details of RTC extracts/mutation extracts/Katha extracts No
pertaining to the property in question.
35. Whether the name of mortgagor is reflected as owner in No but Previous Owner
name was reflected.
the revenue/Municipal/Village records?

Page 11 of 19
36. (a) Whether the property offered as security is clearly YES
demarcated?
(b). Whether the demarcation/ partition of the property is YES
legally valid?
(c). Whether the property has clear access as per YES
documents?
37. Whether the property can be identified from the following Does not arise
documents, and discrepancy/doubtful circumstances, if
any revealed on such scrutiny?
(a).Document in relation to electricity connection; No
(b).Document in relation to water connection; Does not arise
(c).Document in relation to Sales Tax Registration, if any Does not arise
applicable;
(d). Other utility bills, if any. Does not arise
38. In respect of the boundaries of the property, whether No
there is a difference/discrepancy in any of the title
documents or any other documents (such as valuation
report, utility bills, etc.) or the actual current boundary? If
so please elaborate/ comment on the same.
39. If the valuation report and/or approved/ sanctioned plans Yes
are made available, please comment on the same including
the comments on the description and boundaries of the
property on the said document and that in the title deeds.
(If the valuation report and/or approved plan are not
available at the time of preparation of TIR, please provide
these comments subsequently, on making the same
available to the advocate.)
40. Any bar/restriction for creation of mortgage under any No
local or special enactments, details of proper registration
of documents, payment of proper stamp duty etc.
41. Whether the Bank will be able to enforce SARFESI Act, if Yes
required against the property offered as security?
42. In case of absence of original title deeds, details of legal Not applicable
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.
43. Whether the governing law/constitutional documents of Does not arise
the mortgagor (other than natural persons) permits
creation of mortgage and additional precautions, if any to
be taken in such cases.
44. Additional aspects relevant for investigation of title as per Does not arise
local laws.
45. Additional suggestions, if any to safeguard the interest of MOD Was Registered with
Bank/ ensuring the perfection of security. SBI.
46. The specific persons who are required to create Mr.T.Kannan
Page 12 of 19
 mortgage/to deposit documents creating mortgage. S/oThirunavukarasu
47. 1) Whether the Real Estate project comes under Real No
Estate (Regulation and Development) Act, 2016? Yes or
No.
2) Whether the project is registered with the Real Estate Not applicable
Regulatory Authority? If so, the details of such registration
are to be furnished.
Whether the registered agreement for sale as prescribed
in the above Act / Rules there under is executed?
3) Whether the details of the apartment / plot in question Not applicable
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?.
Note: In case separate sheets are required, the same may be used, signed and annexed.

Date: 12.03.2020.
Place: Cuddalore.
Signature of the Advocate

Annexure – C:
CERTIFICATE OF TITLE.
1. I have examined the Original Title Deeds intended to be deposited relating to the schedule
property/(ies) and offered as security by way of *Registered/ Equitable/English Mortgage
(*please specify the kind of mortgage) and that the documents of title referred to in the
Opinion are valid evidence of Right, title and Interest and that if the said Registered/
Equitable Mortgage is created, it will satisfy the requirements of creation of Registered/
Equitable Mortgage and I further certify that: MOD Was Registered With SBI.

2. I have examined the Documents in detail, taking into account all the Guidelines in the
check list vide Annexure B and the other relevant factors.

3. I confirm having made a search in the Land/ Revenue records. I also confirm having
verified and checked the records of the relevant Government Offices,/Sub-Registrar(s)
Office(s), Revenue Records, Municipal/ Panchayat Office, Land Acquisition Office, Registrar
of Companies Office, Wakf Board (wherever applicable). I do not find anything adverse
which would prevent the Title Holders from creating a valid Mortgage. I am liable
Page 13 of 19
/responsible, if any loss is caused to the Bank due to negligence on my part or by my agent in
making search.

4. Following scrutiny of Land Records/ Revenue Records, relative Title Deeds, certified
copies of such title deeds obtained from the concerned registrar office and encumbrance
certificate (EC), I hereby certify the genuineness of the Title Deeds. Suspicious/ Doubt, if
any, has been clarified by making necessary enquiries.

5. There are no prior Mortgage/ Charges/ encumbrances whatsoever, as could be seen

from the Encumbrance Certificate for the period From 01.01.1987 to 10.03.2016 and
01.01.2016 to 04.03.2020 pertaining to the Immovable Property/(ies) covered by above said
Title Deeds. The property is free from all Encumbrances.

6. In case of second/subsequent charge in favour of the Bank, there are no other

mortgages/charges other than already stated in the Loan documents and agreed to by the
Mortgagor and the Bank (Delete, whichever is inapplicable).

7. Minor/(s) and his/ their interest in the property/(ies) is to the extent of ____________
( Specify the share of the Minor with Name). (Strike out if not applicable).

8. The Mortgage if created, will be available to the Bank for the Liability of the Intending
Borrower, Shri/Smt./M/s. Mr.T.Kannan S/oThirunavukarasu.

9. I certify that Shri/ Smt./ M/s. Mr.T.Kannan S/oThirunavukarasu, has/have an absolute,

clear and Marketable title over the Schedule property/ (ies). I further certify that the above
title deeds are genuine and a valid mortgage can be created and the said Mortgage would be
enforceable.

10. In case of creation of Mortgage by Deposit of title deeds, we certify that the deposit of following title
deeds/ documents would create a valid and enforceable mortgage:
SL Date of Name/Nature of Document Required
No Document Original/
Certified copy/
certified Extract/
Photocopy, etc.,
1. 05.11.1960 Registered Sale deed executed by Original
Manoranjitham Ammal in favour of Arunachala
Mudaliar Doc. No.1557/1960
2. 20.11.1965 Registered Sale deed executed by Arunchala Original and Reg.
Copy
Mudaliar in favour of Kamala Doc, No. 308/1966
3. 12.11.1965 Registered Sale deed executed by Arunachala Original
Mudaliar in favour of Rajaguru. Doc. No.
309/1966
4. 12.09.1974 Registered Sale deed executed by Rajaguru in Original

Page 14 of 19
 favour of Kamala Doc. No. 1290/1974
5. 11.02.1982 Proceedings with building plan approval by Original
Commissioner, cuddalore Municipality
6. 21.03.1991 Will deed executed by Kamala in favour of Reg. Copy
Kumaran
Doc. No. 15/1991
7. 16.12.1999 Death and legal heir certificate of Kamala issued
Photocopy
by Thasildar, Cuddalore
8. 27.02.2001 Registered General power of Attorney deed Original
executed by (Principal) Kumaran in favour of
Power Agent Chandrasekaran Doc. No.
234/2001
9. 12.02.2001 Registered General power of Attorney deed Original
executed by Kumaran in favour of
Chandrasekaran Doc. No. 157/2001
10. 05.07.2006 Registered Sale deed executed by POA Original
Chandrasekaran in favour of Kannan Doc. No.
1574/2006
11. 11.03.2020 Registered MOD Executed By Mr.T.Kannan to Original
and in favour of State Bank of India vide Doc
No.2212/2016 registered in SRO Cuddalore Joint
II.
12. 29.02.2000 Patta in the name of Kumaran issued by Photocopy
Tahsildar, Cuddalore
13. 17.02.2011 Patta in the name of Kannan issued by Tahsildar, Photocopy
Cuddalore
14. 09.02.2007 Water Connection name change order to kannan Photocopy

15. 23.11.1999 Tax assessment name change order to kannan Photocopy

16. 04.07.2006 Property tax receipt Photocopy

17. 16.06.2015 Town survey field register issued by Photocopy

Commissioner, Cuddalore Municipality
18. 11.03.2016 Encumbrance Certificate No. 1272 from Original
01.01.1987 to 10.03.2016
19. 11.03.2020 Encumbrance Certificate for the Period from Original
01.01.2016 to 04.03.2020 Vide
E.C.No.37456805/2020 issued by SRO Cuddalore
Joint I.
11. There are no legal impediments for creation of the Mortgage under any applicable
Law/ Rules in force.
12. It is certified that the property is SARFAESI compliant.
SCHEDULE OF THE PROPERTY (IES)
Cuddalore R.D., Cuddalore Joint 1 Sub R.D.., within the limit of Cuddalore Municipality,
Pudupalayam Village, Ward No. 6, Block No. 31, T.S. No. 1028/- Ac. 0.23696 Sq.ft. T.S. 1031 –
Ac. 4.41818 Sq.ft. in that layout formed as Ranganathan Nagar with Approval No. 41/59, in
that Plot No. 1, 2 Door No. 11/2, Tax assessment no. 17606.
Page 15 of 19
 Plot no. 1 measuring 2700 Sq.ft. Plot No. 2 measuring 3600 Sq.ft. totally 6300 Sq.ft.
measuring east west northern side 90 ft. southern side 90 ft. south north eastern side 70 ft.
western side 70 ft including R.C.C. roofed building, plot garden, EB Service fittings, EB
connection Nos. 2,3 and Municipality water connection.

Boundaries: East of Dhamodara Mudaliar Banglow, West of South north layout road, North
of house in plot No. 3,South of Manoranjitham Ammal house

Date: 12.03.2020.
Place: Cuddalore Signature of the Advocate

Annexure - C1:
Certificate of Title on the Basis of Certified copies of the Title Deeds
1. I have examined the Certified copies of Original Title Deeds intended to be deposited
relating to the schedule property/(ies) to be offered as security by way of *Registered/
Equitable/English Mortgage and that the certified copies of documents of title referred to in
the Opinion are valid as secondary evidence of Right, title and Interest and that the said
Registered/ Equitable Mortgage to be created on production of original title deeds will
satisfy the requirements of creation of Registered/ Equitable Mortgage and I further certify
that: MOD Was Registered With SBI.

2. I have examined the Certified copies of Documents in detail, taking into account all the
Guidelines in the check list vide Annexure B and the other relevant factors and undertake to
re-examine the original title deeds as and when produced and

3. I confirm having made a search in the Land/ Revenue records. I also confirm having
verified and checked the records of the relevant Government Offices,/Sub-Registrar(s)
Office(s), Revenue Records, Municipal/ Panchayat Office, Land Acquisition Office, Registrar
of Companies Office, Wakf Board (wherever applicable). I do not find anything adverse
which would prevent the Title Holders from creating a valid Mortgage on production of the
original title deeds. I am liable /responsible, if any loss is caused to the Bank due to
negligence on my part or by my agent in making search.

4. Following scrutiny of Land Records/ Revenue Records and relative certified copies of Title
Deeds, certified copies of such title deeds obtained from the concerned registrar office and
encumbrance certificate (EC) I hereby certify the genuineness on the basis of the certified
copies of the Title Deeds. Suspicious/ Doubt, if any, has been clarified by making necessary
enquiries.

Page 16 of 19
5. There are no prior Mortgage/ Charges/ encumbrances whatsoever, as could be seen from
the Encumbrance Certificate for the period From 01.01.1987 to 10.03.2016 and 01.01.2016
to 04.03.2020 pertaining to the Immovable Property/(ies) covered by above said Certified
copies Title Deeds. The property is free from all Encumbrances.

6. In case of second/subsequent charge in favour of the Bank, there are no other

mortgages/charges other than already stated in the Loan documents and agreed to by the
Mortgagor and the Bank (Delete, whichever is inapplicable).

7. Minor/(s) and his/ their interest in the property/(ies) is to the extent of ( Specify the
share of the Minor with Name). (Strike out if not applicable).

8. The Mortgage if created will be available to the Bank for the Liability of the Intending
Borrower, Shri/Smt/M/s Mr.T.Kannan S/oThirunavukarasu.

9. I certify that Shri/ Smt/ M/s Mr.T.Kannan S/oThirunavukarasu, has/have an absolute,

clear and Marketable title over the Schedule property/ (ies). I further certify that the above
certified copies of title deeds appear to be genuine and a valid mortgage can be created on
the basis of the original title deeds and the said Mortgage would be enforceable.

10. In case of creation of Mortgage by Deposit of title deeds, we certify that the deposit of
original title deeds/ documents the certified copies of which have been examined would
create a valid and enforceable mortgage:-
SL No. And Date of Name/Nature of Document Required
No Document Original/
Certified copy/
certified Extract/
Photocopy, etc.,
1. 05.11.1960 Registered Sale deed executed by Original
Manoranjitham Ammal in favour of
Arunachala Mudaliar Doc. No.1557/1960
2. 20.11.1965 Registered Sale deed executed by Arunchala Original and Reg.
Mudaliar in favour of Kamala Doc, No. Copy
308/1966
3. 12.11.1965 Registered Sale deed executed by Original
Arunachala Mudaliar in favour of Rajaguru.
Doc. No. 309/1966
4. 12.09.1974 Registered Sale deed executed by Rajaguru Original
in favour of Kamala Doc. No. 1290/1974
5. 11.02.1982 Proceedings with building plan approval by Original
Commissioner, cuddalore Municipality
6. 21.03.1991 Will deed executed by Kamala in favour of Reg. Copy
Kumaran

Page 17 of 19
 Doc. No. 15/1991
7. 16.12.1999 Death and legal heir certificate of Kamala
Photocopy
issued by Thasildar, Cuddalore
8. 27.02.2001 Registered General power of Attorney deed Original
executed by (Principal) Kumaran in favour of
Power Agent Chandrasekaran Doc. No.
234/2001
9. 12.02.2001 Registered General power of Attorney Original
deed executed by Kumaran in favour of
Chandrasekaran Doc. No. 157/2001
10. 05.07.2006 Registered Sale deed executed by POA Original
Chandrasekaran in favour of Kannan Doc.
No. 1574/2006
11. 11.03.2020 Registered MOD Executed By Mr.T.Kannan Original
to and in favour of State Bank of India vide
Doc No.2212/2016 registered in SRO
Cuddalore Joint II.
12. 29.02.2000 Patta in the name of Kumaran issued by Photocopy
Tahsildar, Cuddalore
13. 17.02.2011 Patta in the name of Kannan issued by Photocopy
Tahsildar, Cuddalore
14. 09.02.2007 Water Connection name change order to Photocopy
kannan
15. 23.11.1999 Tax assessment name change order to Photocopy
kannan
16. 04.07.2006 Property tax receipt Photocopy

17. 16.06.2015 Town survey field register issued by Photocopy

Commissioner, Cuddalore Municipality
18. 11.03.2016 Encumbrance Certificate No. 1272 from Original
01.01.1987 to 10.03.2016
19. 11.03.2020 Encumbrance Certificate for the Period from Original
01.01.2016 to 04.03.2020 Vide
E.C.No.37456805/2020 issued by SRO
Cuddalore Joint I.

There are no legal impediments for creation of the Mortgage on production of original of title
deeds the certified copies of which I have examined under any applicable Law/ Rules in
force.

SCHEDULE OF THE PROPERTY (IES

Cuddalore R.D., Cuddalore Joint 1 Sub R.D.., within the limit of Cuddalore Municipality,
Pudupalayam Village, Ward No. 6, Block No. 31, T.S. No. 1028/- Ac. 0.23696 Sq.ft. T.S. 1031 –
Ac. 4.41818 Sq.ft. in that layout formed as Ranganathan Nagar with Approval No. 41/59, in
that Plot No. 1, 2 Door No. 11/2, Tax assessment no. 17606.

Page 18 of 19
 Plot no. 1 measuring 2700 Sq.ft. Plot No. 2 measuring 3600 Sq.ft. totally 6300 Sq.ft.
measuring east west northern side 90 ft. southern side 90 ft. south north eastern side 70 ft.
western side 70 ft including R.C.C. roofed building, plot garden, EB Service fittings, EB
connection Nos. 2,3 and Municipality water connection

Boundaries: East of Dhamodara Mudaliar Banglow, West of South north layout road, North
of house in plot No. 3, South of Manoranjitham Ammal house

Date: 12.03.2020.
Place: Cuddalore.

Signature of the Advocate

Page 19 of 19