3 min
25 November 2024
In Kerala, a possession certificate is an official document that proves ownership or possession of a property or land. This certificate is issued by the local revenue authorities and acts as an important legal proof that you are the rightful possessor of a property. The possession certificate is crucial for several purposes, such as resolving property disputes, securing loans, and transferring property ownership. If you are planning to take a loan against property, having a possession certificate can make the process much smoother. Mortgage loan help you leverage the value of your property for various personal or business needs. Having a possession certificate can be a key requirement when applying for such loans.
Proof of ownership: It serves as legal proof that you are in possession of the property, even if you do not have the official title deed yet. This can be essential in property disputes.
Property transactions: If you are selling or buying property, the possession certificate is often needed as part of the documentation to complete the transaction.
Loan approval: When applying for aLoan Against Property, financial institutions, require a possession certificate to assess the legitimacy of your claim over the property.
Government-related procedures: It helps in property-related tax assessments, inheritance matters, and applying for other government services related to the property.
Legal security: It acts as an evidence of legal possession, ensuring that no one else can claim ownership of the property without your consent.
Proof of possession: You must be the lawful possessor of the property, whether it is inherited, purchased, or otherwise legally acquired.
Valid property ownership documents: You should have documents like the sale deed, title deed, or land tax receipts to prove that the land is in your possession.
Residency: The property should be located within Kerala.
Aadhar card or other ID proof: For identity verification.
Address proof: Such as a recent utility bill or rent agreement.
Title documents: Deed, sale agreement, or land tax receipt.
Photographs: Recent passport-sized photographs of the applicant.
Land survey number: This is crucial to identify the property’s specific location and boundaries.
Whether you apply online or offline, the process ensures that your claim to the property is legally recognised. Keep your documents in order and follow the required steps to ensure a smooth application. With a possession certificate, you will have the legal backing you need for property transactions and financial undertakings like a loan against property.
Importance of possession certificate in Kerala
A possession certificate is important for multiple reasons:Proof of ownership: It serves as legal proof that you are in possession of the property, even if you do not have the official title deed yet. This can be essential in property disputes.
Property transactions: If you are selling or buying property, the possession certificate is often needed as part of the documentation to complete the transaction.
Loan approval: When applying for aLoan Against Property, financial institutions, require a possession certificate to assess the legitimacy of your claim over the property.
Government-related procedures: It helps in property-related tax assessments, inheritance matters, and applying for other government services related to the property.
Legal security: It acts as an evidence of legal possession, ensuring that no one else can claim ownership of the property without your consent.
Eligibility criteria for possession certificate
To apply for a possession certificate in Kerala, you must meet the following eligibility criteria:Proof of possession: You must be the lawful possessor of the property, whether it is inherited, purchased, or otherwise legally acquired.
Valid property ownership documents: You should have documents like the sale deed, title deed, or land tax receipts to prove that the land is in your possession.
Residency: The property should be located within Kerala.
Required documents for possession certificate in Kerala
When applying for a possession certificate, you will need to gather the following documents:Aadhar card or other ID proof: For identity verification.
Address proof: Such as a recent utility bill or rent agreement.
Title documents: Deed, sale agreement, or land tax receipt.
Photographs: Recent passport-sized photographs of the applicant.
Land survey number: This is crucial to identify the property’s specific location and boundaries.
How to apply for a possession certificate in Kerala?
In Kerala, the process of applying for a possession certificate is straightforward but requires certain steps. Below, we will explain both the online and offline procedures in detail.Step-by-step process to apply online for a possession certificate in Kerala
Applying online for a possession certificate in Kerala can be done through the official website of the Kerala revenue department. Here is a step-by-step guide to help you:| Step | Description |
| 1 | Visit the Kerala revenue department’s official website |
| 2 | Create or log in to your account. |
| 3 | Navigate to the “Possession Certificate” section under the land records. |
| 4 | Fill in the required details such as your name, property details, and documents. |
| 5 | Upload the necessary documents like identity proof and title documents. |
| 6 | Submit the application and pay any applicable fee online. |
| 7 | Once your application is processed, you will receive the possession certificate on your registered email or can download it from the website. |
Step-by-step process to apply offline for a possession certificate in Kerala
If you prefer applying offline, here is how you can do it:| Step | Description |
| 1 | Visit the nearest local revenue office in your area. |
| 2 | Collect the application form for a possession certificate from the office. |
| 3 | Fill in the application form with all the required details. |
| 4 | Attach the necessary documents such as Aadhaar card, property documents, and photographs. |
| 5 | Submit the application form along with documents to the concerned officer. |
| 6 | Pay the application fee (if any). |
| 7 | After processing, collect the possession certificate from the office or wait for it to be delivered to your address. |
Conclusion
Obtaining a possession certificate in Kerala is a relatively simple but important process for anyone owning land or property. It not only confirms your ownership rights but also plays a vital role when applying for property-related loans. For example, if you are looking to secure aloan against propertyfrom Bajaj Finance, having a possession certificate in place can speed up the approval process, as it helps establish that you have rightful control over the property.Whether you apply online or offline, the process ensures that your claim to the property is legally recognised. Keep your documents in order and follow the required steps to ensure a smooth application. With a possession certificate, you will have the legal backing you need for property transactions and financial undertakings like a loan against property.
