Buying property is one of the biggest financial decisions in life — but it’s also one of the riskiest if you don’t verify the documents properly.
A property that looks perfect on the surface can turn into a legal nightmare if the paperwork isn’t in order.
Whether you’re buying a flat, a house, or a plot in Nagpur, checking the right documents ensures legal ownership, safety, and peace of mind.
Here’s a complete property documentation checklist every buyer should go through before finalizing a deal.
🧾 1️⃣ Title Deed (Ownership Document)
This is the most important document that proves the seller’s ownership of the property.
Ensure that:
- The title is clear and marketable (no disputes or claims).
- The seller’s name matches on all documents.
- It is a registered sale deed, not a general power of attorney (GPA) transfer.
💡 Tip: Ask for the original copy of the title deed and get it verified by a property lawyer.
🏡 2️⃣ Mother Deed (Chain of Ownership)
The Mother Deed traces the entire ownership history of the property — from the first owner to the current seller.
It helps confirm there are no breaks or missing links in ownership transfer.
If any gap is found, it could lead to future ownership disputes, so ensure the chain is complete and verified by the registrar’s office.
🧭 3️⃣ Approved Layout & Building Plan
Before buying, check if the project has been approved by local authorities like NMRDA or NIT (Nagpur Improvement Trust).
For plots, verify:
- Layout approval number
- RL (Residential Land) certification
- Proper plot demarcation and numbering
For buildings, confirm the sanctioned plan matches what is being constructed.
Projects by Saidham Builders, such as Sainagri 12, 13, 16 & 17, are NMRDA-sanctioned, RERA-approved, and come with clear layout documentation.
🧾 4️⃣ Encumbrance Certificate (EC)
An Encumbrance Certificate confirms that the property is free from any legal dues, loans, or mortgages.
You can obtain it from the Sub-Registrar’s Office or download it from the Maharashtra IGR website.
Check for at least the last 30 years of transactions to ensure there are no financial liabilities attached to the property.
🏗️ 5️⃣ RERA Registration Certificate
If you’re buying from a builder or developer, make sure the project is registered under RERA (Real Estate Regulatory Authority).
You can verify the project details on the MahaRERA website (https://maharera.mahaonline.gov.in).
RERA registration ensures transparency, legal compliance, and timely possession.
📄 6️⃣ Sale Agreement
The Sale Agreement outlines the terms and conditions between the buyer and the seller — including payment terms, possession date, and penalties for delay.
Ensure it clearly mentions:
- Property details (survey number, plot number, boundaries).
- Sale consideration (price).
- Payment schedule.
- Clause on possession handover and transfer of ownership.
Both parties must sign the document before registration.
🧱 7️⃣ Tax Receipts & Utility Bills
Ask for the latest property tax receipts and utility bills (electricity, water) to confirm there are no pending dues.
The receipts should be in the seller’s name to verify ownership.
This ensures the property isn’t under default or encroachment.
🏛️ 8️⃣ No Objection Certificates (NOCs)
Depending on the property type, you may need NOCs from:
- Local municipal body
- Water and electricity departments
- Pollution control board (for commercial plots)
- Society or builder (for flats)
These certificates confirm that the property complies with local regulations and is legally transferable.
💼 9️⃣ Sale Deed Registration
Finally, once everything checks out, ensure the Sale Deed is registered at the Sub-Registrar Office.
Registration provides legal proof of ownership and protects you against future disputes.
Make sure to collect the Index II copy — it serves as the government record of your ownership.
💡 Final Thoughts
Buying a property isn’t just about price and location — it’s about legality and trust.
Always cross-check every document before signing or paying any token amount.
Buying RERA-registered, NMRDA-sanctioned, and title-clear projects from reputed developers like Saidham Builders ensures that every document is in place and your investment is 100% secure.
At Saidham Builders & Developers, transparency and trust come first — because we believe your dream home should stand on a foundation of confidence. 🏡
