Guide to Property Registration in Mumbai
Property buying in India is one of the good long-term investment options. When buying or selling a property, it is compulsory to register it. It ensures the legal transfer of ownership of the property. Registration acts as a proof for transaction and registration is done after execution of the agreement. The language of the document can be English, Hindi, Marathi or Gujarati so that it can be registered in Mumbai.
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Documents or Papers Required for Property Registration in Mumbai
- Adjudication
Adjudication is the process of ascertaining the market value and valuing the property to ascertain the stamp duty that is applicable on the property. If the document is signed, adjudication must be done within one month, else two per cent interest per month will be charged. Adjudication is valid up to six months or till December 31st of a particular year, whichever is earlier.
- Registration fees
The Sub-registrar will determine the registration fees payable and issue the challan/confirms to accept the pay slip. Pay the registration fees by challan/pay slip from any nationalized bank as per the procedure laid down by the respective Sub-registrar. - No Objection Certificate
No Objection Certificate under the Urban Land Ceiling Act is required if the area of land transferred exceeds 500 sq. mts. in Mumbai city and if the land belongs to a government, semi- government body or a charitable trust, NOC of such government or charitable trust is required. - Property Card
Property Card of the land on which the property is being registered or is situated. - Original document and its copy
The document must be printed or typed on one side only and in black ink. A photocopy should be taken on only one side of the paper and there should be butter paper between the two sheets of the photocopy. - Proof of old construction
It is better to get the document adjudicated in case the building is very old and proper depreciation is not given by the Sub-registrar. If property sold or purchased is in the old building and the benefit of depreciation is claimed on the market value, then any one of the following documents is to be produced as a proof of old construction:
- Municipal assessment bill of the building
- Building Completion Certificate
- Original registered agreement between the builder and buyer or of any other flat in that building.
- Proof of identity
You need to produce ID proof with photo. The ID proof can be any of the following: Copy of driving license, Passport, PAN card, Driving License, Employee ID, Voter ID or Proof of your address with some supporting document.
Steps or Process involved in Registration of Property in Mumbai
The real purpose of registration is to ensure that every person dealing with property can confidently rely on the statement contained in the register. The process of registration mainly involves the following steps.
- Pay proper stamp duty:
Ascertain stamp duty;either you can find out the market value of your property and the stamp duty amount on it from the Ready Reckoner or get the document adjudicated. - Registration Fees:
Pay the registration fees by challan/pay slip from a nationalized bank. This registration fee should be paid a few days before going for registration and the receipt is to be shown to the Sub-Registrar’s office one day before the actual date of registration. - Obtain the appointment:
The Sub-registrar first obtains the signatures of parties and witnesses in his presence. Thereafter, the Registrar puts his official seal and affixes unique numbering block on each page including the additional sheets and sheets which generally carry photographs, signatures, details of parties and witnesses. - Two Witnesses:
The sub-registrar first obtains signature of parties and witnesses in his presence. Thereafter Registrar puts his official seal and affixes unique numbering block on each page including the additional sheets and sheets which generally carries photographs, signatures, details of parties and witnesses.
The copy of such Pay Order/Demand Draft of bank for registration is to be submitted on the day of taking the token number. Pay the required registration fees and computer service charges in cash as per the receipt when the token number is announced. Submit one copy each of original documents. After completing the formalities, the original document is returned to the concerned party presenting the document for registration. This completes the process.
is the process of ascertaining the market value and valuing the property to ascertain the stamp duty that is applicable on the property. If the document is signed, adjudication must be done within one month, else two per cent interest per month will be charged. Adjudication is valid up to six months or till December 31st of a particular year, whichever is earlier