What a TitleClear report actually looks like
This is a complete report for an invented property, so you can see the whole thing before deciding whether to upload anything of your own.
Title verification report
Plot 2 & 3-C, Madipakkam, Chennai — 600 091
- Survey numbers
- 145/2B and 145/3C
- Extent (per deed)
- 2,400 sq ft
- Village / taluk
- Madipakkam, Sholinganallur
- Classification
- Punjai (dry land), converted
- Sale deed, 2019
- Parent deeds — 1963, 1978, 1994, 2007
- Encumbrance certificates, 1975–2024
- Patta / chitta extract
- FMB sketch
- DTCP layout approval
- Property tax receipt
- TNEB service connection bill
Equitable mortgage by deposit of title deeds dated 21.10.2024 (Doc. 6841/2024) appears in the encumbrance certificate with no corresponding release or discharge. The property remains security for this loan until it is discharged.
The sale deed describes 2,400 sq ft. The patta records 2,385 sq ft for the same survey numbers — a difference of 15 sq ft. Small discrepancies of this kind are common and usually reconcilable, but they should be explained rather than ignored.
The certificates produced cover 01.01.1975 to 02.07.2024. Nothing covers 03.07.2024 onward, which is the period in which the mortgage above was registered. A fresh certificate to today's date is required.
The patta names the 2007 owner rather than the 2019 purchaser. Registration and patta transfer are separate steps, so this is ordinary — but it should be completed before the property changes hands again.
Ownership traces from 1963 through five successive owners to the present holder. Every transfer in the chain is registered, and each seller appears as the purchaser in the preceding deed.
The name on the sale deed, the patta and the most recent encumbrance certificate entry match. Survey numbers 145/2B and 145/3C appear consistently in the deed, the patta and the FMB sketch.
- Outstanding property tax, water, sewerage or electricity dues. The receipts provided show payments were made; they do not show that nothing further is owed.
- Pending litigation. An encumbrance certificate records registered transactions, not court proceedings.
- Whether the documents themselves are genuine, or whether they describe the property actually being offered to you.
These are named rather than quietly omitted. A report that lists only what it checked invites you to assume it checked everything.
Clear and marketable, subject to four conditions. The chain of title is unbroken from 1963 through five owners and every transfer is registered. One critical matter and three lesser ones require resolution before completion.
- Discharge of the State Bank of India mortgage, evidenced by a registered release, before completion.
- A fresh encumbrance certificate covering 03.07.2024 to the date of completion.
- Written reconciliation of the 15 sq ft difference between the deed extent and the patta extent.
- Transfer of the patta into the current owner's name.
How to read one of these
A report is only useful if it is honest about its own limits, so every TitleClear report has the same four parts: what was examined, what was found, what could not be checked, and an opinion whose conditions are spelled out rather than implied.
The findings are what the documents say when read against each other. A name that changes between the parent deed and the sale deed, an extent that shrinks between the deed and the patta, a mortgage with no matching release — none of these is visible in any single document, and all of them are visible across the set.
If the vocabulary above is unfamiliar, the guides explain the individual records: patta and chitta, and the encumbrance certificate.
Upload the documents your seller or builder gave you and TitleClear produces a report in this shape for your property. You will see which documents are missing before you pay anything.