Why Property Registration is Important
Registering your property with the government is legally mandatory under the Registration Act, 1908. Without registration, you cannot prove ownership in a court of law.
Step-by-Step Process
Step 1: Prepare the Sale Agreement
Both buyer and seller draft a sale agreement mentioning:
- Property details (address, area, specifications)
- Sale price and payment schedule
- Possession date
- Penalties for default
Step 2: Pay Stamp Duty
Stamp duty is a state tax paid on the property transaction. Rates vary by state:
| State | Stamp Duty | Registration Fee |
|---|---|---|
| Maharashtra | 5–6% | 1% (max ₹30,000) |
| Karnataka | 5% | 1% |
| Tamil Nadu | 7% | 4% |
| Delhi | 4–6% | 1% |
| Gujarat | 4.9% | 1% |
| Telangana | 5% | 0.5% |
Note: Some states offer reduced stamp duty for women buyers (0.5–1% discount).
Step 3: Book an Appointment at Sub-Registrar Office
Visit the Sub-Registrar office with jurisdiction over the property. Many states now offer online appointment booking.
Step 4: Visit with Required Documents
Both parties must be present with:
- Sale deed (original + copies)
- PAN cards of buyer and seller
- Aadhaar cards
- Passport-size photos
- Stamp duty payment receipt
- Previous title deed
- Two witnesses with ID proof
Step 5: Biometric Verification
At the office, your fingerprints and photos are captured digitally.
Step 6: Collect Registered Document
After verification, the Sub-Registrar endorses the document. You receive the registered sale deed within 15–30 days (varies by state).
Common Mistakes to Avoid
- Undervaluing the property to save stamp duty — this is illegal and can attract penalties
- Not verifying encumbrance before purchase
- Missing witnesses — you need 2 witnesses
- Not getting acknowledgment receipt
Online Registration
Several states now support online property registration:
- Maharashtra (IGR online)
- Karnataka (Kaveri online)
- Telangana (IGRS)
- Tamil Nadu (TNREGINET)
Conclusion
Property registration is non-negotiable. It protects your investment and establishes legal ownership. Budget for stamp duty and registration fees from the start.
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