How can I check whether a property already has a bank loan on it?

Search CERSAI, the central registry set up under Section 20 of the SARFAESI Act. Use Public Search > Asset Based Search with the survey or municipal number, plot or flat number and address. The search fee is Rs 10 plus tax. CERSAI's terms say registration applies to title-deed mortgages created after its Rules were published, so older loans may not appear.

How much will a bank lend on a house in Telangana?

Para 111 of RBI's Commercial Banks (Credit Facilities) Directions, 2025 caps the loan at 90% of the property cost up to Rs 30 lakh, 80% above Rs 30 lakh up to Rs 75 lakh, and 75% above Rs 75 lakh. Under para 113, stamp duty and registration charges are left out of the cost, except for houses up to Rs 10 lakh.

Will a bank accept a digitally approved building plan?

The TG-bPASS FAQ says yes: digitally approved building plans are eligible for loans from financial institutions. The same FAQ says you can download the approved permission by quoting the building application number. For files processed after the move to BuildNow, use BuildNow Citizen Search, which needs a mobile OTP login.

Can I get a home loan for a plot in an unapproved layout?

RBI's 2025 directions say no loan should be given for properties in unauthorised colonies until they are regularised and the development and other charges are paid. In Telangana, check the layout permit number on DTCP's Layout Approvals page, or the regularisation status on the LRS portal, before you pay an advance.

What does the mortgage document cost in Telangana?

The Registration & Stamps Ready Reckoner lists a mortgage by deposit of title deeds at 0.5% stamp duty, up to Rs 50,000, and a 0.10% registration fee, up to Rs 10,000. A mortgage without possession attracts 0.5% stamp duty and a 0.10% registration fee. Check the deed type your lender uses.

Does an independent house need an occupancy certificate?

The TG-bPASS FAQ says individual residential buildings on plots up to 200 sq m with a height of 7 m are exempt from applying for an occupancy certificate. Plots up to 75 sq yd with a ground or ground plus one floor house need no building permission or occupancy certificate, only registration for a token Rs 1.

Topic guide

Home Loan Legal Check in Telangana

A home-loan legal check in Telangana is the lender's review of the seller's title, the approvals and any existing charge on the property before it pays out the loan. You can run most of the same checks yourself first. Get the Encumbrance Certificate and the Prohibited Property list from registration.telangana.gov.in, and the land record from Bhu Bharati for farm land. Check the building permission on TG-bPASS Citizen Search or, for newer files, BuildNow, and the project on the TG RERA portal. Search CERSAI for a registered mortgage or attachment, for Rs 10 plus tax. RBI's 2025 directions cap a bank loan at 90% of the property cost up to Rs 30 lakh, 80% up to Rs 75 lakh and 75% above that. They bar loans in unauthorised colonies until regularised. A memorandum of deposit of title deeds attracts 0.5% stamp duty, up to Rs 50,000.

Definition

Home-loan legal check: The review a lender makes before it accepts a house, flat or plot as security: the seller's title, the registered charges, and the building and layout approvals. For banks, RBI's 2025 Credit Facilities Directions require the sanctioned plan and, for a built flat, the buyer's affidavit and the bank architect's certificate that it follows that plan.

When you need it

Before you pay a large advance or sign the sale agreement, so that a title or approval problem comes up while your money is still safe. The lender runs its own check before disbursal. For an under-construction flat, RBI directions link disbursal to construction stages and allow payment only after the borrower has the required government clearances.

Steps

Get the Encumbrance Certificate for the full title chain from registration.telangana.gov.in (Encumbrance Search(EC); signed copy through MeeSeva or the SRO).
On the same portal, open Prohibited Property, select the district, mandal and village, and check every 22-A list for the survey number.
For agricultural land, check the land record and the Prohibited Lands list on bhubharati.telangana.gov.in.
Check the building permission and occupancy certificate on tgbpass.telangana.gov.in under SEARCH > Citizen Search, by application ID, survey, house or plot number. Newer files are on buildnow.telangana.gov.in, which needs a mobile OTP.
For a plot, find the layout permit number on DTCP's Layout Approvals page or the regularisation application on lrs.telangana.gov.in.
For a flat or plot in a project, search the project and the promoter under Search Project Details on rerait.telangana.gov.in (TG RERA).
On cersai.org.in, open Public Search > Asset Based Search, choose Immovable, enter the survey or municipal number, plot or flat number and address, and pay Rs 10 plus tax. Download the report; you can download it only once.
Budget the loan on the property cost without stamp duty and registration, and add the cost of the mortgage document.

What you need to search

The seller's title deeds and the link documents for the full chain
Survey number, plot number, house or flat number, and village or locality
Building permission application or file number from the seller or builder
Layout permit (L.P.) number for a plot
RERA registration number of the project
Agreed price, to work out the loan-to-value limit

Fees

Home Loan Legal Check fee. Source: registration.telangana.gov.in, as of 2026-10-22.

Mortgage by deposit of title deeds: stamp duty 0.5% (maximum Rs 50,000) and registration fee 0.10% (maximum Rs 10,000). Mortgage without possession: stamp duty 0.5% and registration fee 0.10% (Telangana Ready Reckoner). (source: https://registration.telangana.gov.in/readyReckoner.htm, as of 2026-10-22. Verify with sub-registrar.)

How to read it

On TG-bPASS Citizen Search, read the Status column: APPROVED, DEEMED APPROVED or REVOKED, and open View for the documents. A Showcause or Revocation document is a warning. Match the survey and plot numbers with the sale deed. In a CERSAI report, each Security Interest entry names the charge holder, the creation date and the borrower. An attachment order entry names the court or authority and the case number.

Red flags

TG-bPASS shows the permission as REVOKED, or the record has a Showcause or Revocation document
Only a DEEMED APPROVED status, with no final proceedings
A house on a plot above 200 sq m with no occupancy certificate record
A plot with no layout permit number and no LRS proceedings
A CERSAI report with a security interest or attachment order that has not been satisfied
The builder's brochure does not name the bank to which the project is mortgaged, or the builder will not give that bank's NOC
A plot in the bed or full tank level of a lake, kunta or nala

Questions

How can I check whether a property already has a bank loan on it?: Search CERSAI, the central registry set up under Section 20 of the SARFAESI Act. Use Public Search > Asset Based Search with the survey or municipal number, plot or flat number and address. The search fee is Rs 10 plus tax. CERSAI's terms say registration applies to title-deed mortgages created after its Rules were published, so older loans may not appear.
How much will a bank lend on a house in Telangana?: Para 111 of RBI's Commercial Banks (Credit Facilities) Directions, 2025 caps the loan at 90% of the property cost up to Rs 30 lakh, 80% above Rs 30 lakh up to Rs 75 lakh, and 75% above Rs 75 lakh. Under para 113, stamp duty and registration charges are left out of the cost, except for houses up to Rs 10 lakh.
Will a bank accept a digitally approved building plan?: The TG-bPASS FAQ says yes: digitally approved building plans are eligible for loans from financial institutions. The same FAQ says you can download the approved permission by quoting the building application number. For files processed after the move to BuildNow, use BuildNow Citizen Search, which needs a mobile OTP login.
Can I get a home loan for a plot in an unapproved layout?: RBI's 2025 directions say no loan should be given for properties in unauthorised colonies until they are regularised and the development and other charges are paid. In Telangana, check the layout permit number on DTCP's Layout Approvals page, or the regularisation status on the LRS portal, before you pay an advance.
What does the mortgage document cost in Telangana?: The Registration & Stamps Ready Reckoner lists a mortgage by deposit of title deeds at 0.5% stamp duty, up to Rs 50,000, and a 0.10% registration fee, up to Rs 10,000. A mortgage without possession attracts 0.5% stamp duty and a 0.10% registration fee. Check the deed type your lender uses.
Does an independent house need an occupancy certificate?: The TG-bPASS FAQ says individual residential buildings on plots up to 200 sq m with a height of 7 m are exempt from applying for an occupancy certificate. Plots up to 75 sq yd with a ground or ground plus one floor house need no building permission or occupancy certificate, only registration for a token Rs 1.

Sources

CERSAI Asset Based Search - Central Registry (Government of India)
Fee source — as of 2026-10-22

Last reviewed 22 Oct 2026 by LawyerDesk Team

Quality check: 9 of 6 required sections filled. General information only, not legal advice.

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