Remote Property Due Diligence
30-point customised checklist for verifying Indian property — sale deed, EC, RERA, OC, and more, per state
Due diligence map
Verify the property before the agreement
Use the checklist to move from title proof to professionals, state documents, and a printable record.
0/20
verified
0% of this checklist is marked complete.
15
critical
Priority items to clear before paying or signing.
Maharashtra
state
Stamp duty, EC period, and local documents vary by state.
Resale
transaction
Apartment / Flat checklist view.
Title search
Confirm ownership, EC, mutation, and legal chain.
legal
State documents
Review stamp duty, registration office, and local records.
state
Professional review
Use an advocate, surveyor, CA, or bank valuer when needed.
experts
Mark verified
Track what is cleared and what still needs seller follow-up.
0%
Print record
Keep the checklist for family, lawyer, and closing review.
proof
Configure your checklist
Registration
Stamp duty: 5–6%
EC period: 30 years
Stamp duty: 6% (male buyer), 5% (female buyer), 3% in rural/gram panchayat areas. Registration fee: 1% (max ₹30,000). St…
Title & Ownership
All previous Sale Deeds (chain of title — minimum 30 years)CRITICAL
State note: Also obtain Index II (certified extract) from Sub-Registrar for each registered document
Encumbrance Certificate (EC)CRITICAL
Title Search Report / Advocate Opinion LetterCRITICAL
Property Tax Receipts — last 3 yearsCRITICAL
State note: Mumbai: MCGM Portal (mcgm.gov.in); Pune: PMC portal
Mutation Records / Revenue RecordsCRITICAL
State note: 7/12 extract for agricultural/rural land; PR card for urban properties in some areas
Seller Identity Documents — Aadhaar, PAN, PassportCRITICAL
Building Approvals & Compliance
Approved Building Plan / Sanctioned Layout PlanCRITICAL
State note: Commencement Certificate (CC) from MCGM/municipal authority
Occupancy Certificate (OC) or Completion Certificate (CC)CRITICAL
State note: Maharashtra: OC from the relevant municipal authority (MCGM, PMC, etc.)
Fire NOC from Fire Department
Society / Association
Society Share CertificateCRITICAL
Society Registration Certificate
Society NOC for TransferCRITICAL
No-Dues Certificate from SocietyCRITICAL
Society Maintenance Account Statement
Utilities & Administration
Latest Electricity Bill
Water Connection Records / NOC
Name in Municipal / Revenue RecordsCRITICAL
Loan / Encumbrances
Bank NOC / Loan Closure Letter (if seller had mortgage)CRITICAL
Original Title Documents Returned by BankCRITICAL
CERSAI Search (Central Registry of Securitisation Asset Reconstruction)CRITICAL
Maharashtra-Specific Additional Documents
- • Index II (certified extract from Sub-Registrar)
- • 7/12 extract (for land/rural property)
- • NA Certificate (if agricultural land)
- • Commencement Certificate from municipal authority
Sub-Registrar office (SRO) under IGR Maharashtra
Verification Professionals
Engage these professionals before signing any agreement. NRIs buying remotely should budget for independent verification — not just rely on the seller's or developer's documents.
Property Lawyer / Advocate
Title search, EC interpretation, sale agreement drafting, RERA advice
State Bar Council directory. Ask your bank — they maintain a panel of property advocates for home loans.
Registered Valuer
Market value assessment, required for home loans and for NRIs paying TDS
IBBI Registered Valuer database (registered valuer under IBBI). Banks also have empanelled valuers.
RERA-Licensed Real Estate Agent
Verified transaction facilitation. RERA-licensed agents are accountable and insured.
Search your state RERA portal for registered agents. Maharashtra: MahaRERA agent search.
Property Inspector / Structural Engineer
Physical condition assessment — structural defects, waterproofing, electrical, plumbing. Essential for resale purchases.
Local civil engineers or inspection firms. Look for firms offering 'snagging inspection' or 'property inspection' services.
CA / Tax Advisor (for NRI purchases)
TDS on purchase from NRI seller (Section 194-IA for resident, different for NRI seller). DTAA advice, capital gains planning.
ICAI registered CAs. Many NRI tax advisory firms in metros.
This checklist is a general guide. Requirements vary by property, state, and specific circumstances. Always engage a local property advocate for a final title search and legal opinion before completing any purchase.