Porcha requirement to sell house

Q: I had purchased a land 12 years ago, on which I built a house. Now I am about to sell my house. I have Sale deed of the land, sanction plan, municipality tax receipts. I don't have Porcha in my name.
My purchaser is opting for bank loan and the bank is asking for Porcha.
My question is : is Porcha mandatory? If yes, then how to avail this?
Area is Serampore Hooghly, WB

Sabyasachi Nath, Kolkata

9th January 2016

Legal in Kolkata

porcha

porcha requirement to sell house

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Replies (2)

Hi,
You have sufficient documents for the ownership of the property. Porcha is made not in absence of title deed but in addition to title deed, While purchasing the property it is natural that the prospective purchaser will inspect the porcha. you can get porcha by your local municipal.

Promit Dutta, Kolkata

11th January 2016

Comment

Hi Sabyasachi,
Porcha (Mutation) is a Certified Extract from the record of rights. In the event any property is being sold purchaser will carry out due diligence and ask for it. Purchaser will take inspection of records and insist on production of original documents of title before shelling out money for purchase of building.

Rajarshi Gupta, Kolkata

11th January 2016

Comment

Hi Rajarshi,
A porcha does not establish ownership to a property. It is a revenue document which records the ownership to a property. Incorporation of a person's name in the porcha does not make him the owner of the property. The importance of porcha is only for revenue purposes. Porcha can be changed at any time but only if there is a transfer of ownership. It cannot be changed in an arbitrary manner. The purchaser will first inspect the original Title Deeds and being satisfied will decide to buy the said property.

Anil Debnath, Kolkata

11th January 2016