Is this property mortgaged? Check CERSAI
Drop a pin on the land and the national CERSAI registry is searched for it: whether a bank or lender has registered a mortgage or charge on the property, and when it has, the lender and the date. The survey number, district, city and pincode the search needs are worked out from the pin.
Sign in with your phone to run it. You see the price and approve it before anything runs.
- The survey, district, city and pincode the registry needs are resolved from the pin
- Charges listed with the lender and the date when the registry holds them
- A partial read is named as partial, never shown as clear
2 creditsper run, charged when the register answers
What we need
One thing at a time. Fill it in and press Run.
The answer
From the register, with its date and source.
Nothing run yet. The answer appears here with everything this mini adds:
- The survey, district, city and pincode the registry needs are resolved from the pin
- Charges listed with the lender and the date when the registry holds them
- A partial read is named as partial, never shown as clear
CERSAI, briefly
The Central Registry of Securitisation Asset Reconstruction and Security Interest of India, the national registry where banks and lenders record the security interests they hold over property.
- Who files there
- Banks and lenders
Lenders record the mortgages and charges they create over property, so the next lender or buyer can see them.
- What you give
- A pin
The registry is searched by the property's location details, which are resolved from the pin. An owner name narrows the match.
- A partial read
- Named as partial
When the registry does not answer for every asset, the result says so and is never shown as clear.
How to check whether a property is mortgaged
- 1
Place the pin
Tap the plot on the map, paste a Google Maps link, or use your location while you stand on it.
- 2
Add the owner
Optional. The owner's name narrows the match on the registry.
- 3
Read the charges
Each charge found is listed with the lender and the date. The search takes a few minutes.
When it helps with land
Before paying an advance
A charge on CERSAI binds the property whoever holds the deed. Know before money moves.
Beside the EC
The EC shows mortgages registered at the sub registrar office. CERSAI shows what lenders filed nationally.
Resale of a financed home
See whether the seller's home loan is still recorded against the property.
No charge found on CERSAI does not mean the land is free. Not every mortgage is filed there, so read it with the encumbrance certificate, and a partial read is never a clean bill.
Questions people ask
How do I check if a property is mortgaged?
Drop a pin on the property above, add the owner's name if you know it, and press Run. The CERSAI registry is searched for charges on that property, and the encumbrance certificate shows mortgages registered at the sub registrar office.
What is a CERSAI search report?
The registry's answer to a search on a property: the security interests lenders have recorded against it, each with the lender and the date, or none.
CERSAI says clear but the EC shows a mortgage.
Not every mortgage is registered on CERSAI. Read the two together: the EC for the registration office, CERSAI for the lenders.
What does a partial read mean?
The registry did not answer for every asset it holds against the search. The result names it as partial, and it is not a clean bill.
How long does it take?
A few minutes. It is a live search of the national registry.
When is it charged?
When the search completes. The price is shown on the Run button before anything runs.