CERSAI Check - Is This Property Already Mortgaged?
An Encumbrance Certificate will not tell you. Most bank lending against property in India uses an equitable mortgage, created by simply depositing the title deeds with the lender. Nothing is registered at the Sub Registrar Office, so nothing appears on the EC. Those charges are registered with CERSAI, the Central Registry of Securitisation Asset Reconstruction and Security Interest of India, and this tool searches it.
This is a paid search. CERSAI charges a fee for every search, so we run it only after payment. ₹399 all inclusive, one property, official government report on WhatsApp.
How the check works
1
Identify the property
Drop a pin and we pull the district, village and survey number straight from our Tamil Nadu land records, along with the pincode. Or type the details in yourself.
2
Pay ₹399
One flat fee, nothing added later. It covers the fee CERSAI itself charges for a search, GST, and our handling of it.
3
Get the report
We run the asset based search on the Central Registry and send you the official CERSAI report on WhatsApp, usually within ten minutes.
CERSAI, answered plainly
CERSAI is the Central Registry of Securitisation Asset Reconstruction and Security Interest of India, set up under the SARFAESI Act. Banks and financial institutions are required to register the security interests they hold over property with it. Searching CERSAI shows you which lenders, if any, have a registered charge on a property.
Only registered mortgages. The most common form of bank lending against property in India is the equitable mortgage, created simply by depositing the title deeds with the lender. Nothing is registered at the Sub Registrar Office, so nothing appears on the EC. It appears on CERSAI. This is the single biggest blind spot in a normal EC based check.
It means no lender has registered a security interest against that property on the Central Registry as of the date of the search. It is strong evidence that the property is not currently pledged, and it is the only practical way to detect an unregistered equitable mortgage.
Usually under ten minutes. The search runs against the live CERSAI portal, so it occasionally takes longer when the portal is slow. You can watch the status on your order page, and the report arrives on WhatsApp the moment it is ready.
The official CERSAI search report PDF, delivered on WhatsApp, plus a result page listing any charge holder, the type of security interest and the date it was created. The report is the government's own document, not our summary of it.
The district, the town or village, the pincode, and at least one of the survey number, plot number or door number. If you drop a pin on the property we resolve all of this from our own Tamil Nadu land records, so in practice you usually need nothing but the location.
Yes. ₹399 is the total you pay. It covers the fee CERSAI charges for the search, GST, and our service. There is nothing further to pay.
We retry automatically. If we still cannot complete the search, our team will review your order and get back to you.
No. Enter your name and mobile number, pay, and the report comes to your WhatsApp. If you do have an account with us, the order also shows up in your dashboard alongside your other orders.
No. A CERSAI search answers one specific question: is a lender holding this property as security. A full title investigation also needs the parent documents, the encumbrance certificate, revenue records and a legal opinion. See our Legal Opinion service for that.
CERSAI is a national registry, so the search itself works anywhere in India. Our map based property selector currently resolves Tamil Nadu land records only, so for other states use the manual entry tab and type the district, town, pincode and property number yourself.
A legal claim a lender holds over a property until the loan taken against it is repaid. If the borrower defaults, the lender can enforce it under the SARFAESI Act, which can include taking possession of the property and selling it. Buying a property that carries one means inheriting that risk.
What a CERSAI check does not cover
A CERSAI search answers exactly one question: is a lender holding this property as security. It says nothing about who owns the property, whether the title is clean, whether the land is litigated, or whether the building is approved. Pair it with these:
