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Nine pages on our letterhead: the eight-part title opinion, the encumbrance search and the litigation and criminal record check. Names, survey numbers and document numbers are masked in this sample — live reports carry them in full.

Combined Title Search, Encumbrance and Litigation ReportPage 1 of 9
Legal ReportStudio

LAWADIV · Title search, land records and litigation due diligence

Report ID: LRS/KA/2026/04██
16 August 2026
Prepared for: Sample Bank Ltd. (sign in to see your name here)

Combined report

Title Search, Encumbrance Search and Litigation Report

Issued under the empanelment of the reviewing advocate

Property
BDA Site No. 7██, PID 54-███-747, Srinivasanagar, Bengaluru South Taluk
Extent
40 ft x 60 ft — 2,400 sq. ft.
Present owner
Sri. K. R████ B███
Loan account
XXXXXX████
Date of search
14 August 2026
Registration district
Bengaluru Urban — S.R.O. Jayanagar

Scope of this report

  1. Scrutiny of title documents and issue of the eight-part legal opinion (PART-I to PART-VIII).
  2. Encumbrance search of the registration indices for the period 2004 to 2025 (Annexure A).
  3. Litigation and criminal record screening of all noticed parties before the courts of Karnataka (Annexure B).

Summary verdict

Clear and marketable title — fit to be accepted as security

Nil
Subsisting charge
Low
Litigation risk
1
Matter to disclose

Prepared for Sample Bank Ltd. (sign in to see your name here). Shaded blocks in this sample replace names, survey numbers and document numbers.

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LAWADIV · Title search, land records and litigation due diligence

Report ID: LRS/KA/2026/04██
16 August 2026

PART-I — Description of the property

All that piece and parcel of residential property bearing Municipal No. ██/█, formed out of Survey No. ███/██ of █████████ Village, Bengaluru South Taluk, measuring East to West 40 feet and North to South 60 feet, in all admeasuring 2,400 square feet, and bounded as follows:

  • East — 30 feet wide BDA road
  • West — Municipal No. ████
  • North — Site No. ███
  • South — Site No. ███

The property is situated within the limits of the Bruhat Bengaluru Mahanagara Palike and is assessed to property tax under PID 54-███-747.

PART-II — List of documents submitted for scrutiny

  1. Sale Deed dated 12.03.2019 registered as Doc. No. 43██/2019, Book-I, S.R.O. ██████
  2. Mother Deed dated 04.08.1974 registered as Doc. No. 11██/1974
  3. Encumbrance Certificate (Form No. 15) for the period 01.01.2004 to 31.12.2025
  4. Khata Certificate and Khata Extract issued by BBMP
  5. Property tax paid receipts up to FY 2025-26
  6. Approved building plan and commencement certificate
  7. Latest Bescom and BWSSB paid receipts

All documents were produced in original save for the mother deed, which was produced as a certified copy issued by the jurisdictional sub-registrar.

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LAWADIV · Title search, land records and litigation due diligence

Report ID: LRS/KA/2026/04██
16 August 2026

PART-III — Flow of title of property (history of title)

1974Doc. No. 11██/1974

Original grant in favour of Sri. N. K███████, recorded in the RTC and in the mother deed. Possession delivered and khata entered.

1996Doc. No. 27██/1996

Partition among the legal heirs of the grantee. Schedule 'B' comprising the schedule property allotted to Smt. L███████ absolutely.

2004Doc. No. 61██/2004

Sale to Sri. M. A████ R██ under a registered sale deed for valuable consideration; khata transferred and taxes paid.

2019Doc. No. 43██/2019

Sale to the present owner, Sri. K. R████ B███, free of prior charge, the 2012 mortgage having been released in February 2019.

The chain of title is therefore traced without break from the original grant of 1974 to the present owner, a period of over fifty years. Each link deed is duly stamped and registered, and the recitals of each are consistent with the recitals of the preceding deed.

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LAWADIV · Title search, land records and litigation due diligence

Report ID: LRS/KA/2026/04██
16 August 2026

PART-IV — Other provisions, observations and risk register

Marketable title established

The chain of title is complete for 50 years with no break in devolution and no adverse recital in any link document.

One civil suit disclosed

O.S. No. 2██/2021 filed by the adjoining owner on a boundary encroachment. It does not affect ownership of the schedule property but must be disclosed in the sanction note.

Prior mortgage released

The charge created on 18.06.2012 stands released vide Doc. No. 9██/2019 and the release is reflected in the encumbrance certificate.

Statutory dues cleared

Property tax paid to FY 2025-26; khata stands in the vendor's name; no BBMP deviation notice on record.

No minor is shown to have an interest in the schedule property. No agricultural conversion issue arises, the land having been formed into a BDA layout site prior to 1974. No notice under the Land Acquisition Act or under any town-planning scheme is reflected against the schedule property.

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LAWADIV · Title search, land records and litigation due diligence

Report ID: LRS/KA/2026/04██
16 August 2026

PART-V — Certificate

We certify that, subject to the conditions set out in PART-VII and PART-VIII, the vendor has a clear and marketable title to the schedule property, free from encumbrances, and the property is fit to be accepted as security for the proposed credit facility.

PART-VI — Search abstract and certificate of search / N.E.C.

(a) Search abstract

Sub-registrar office
S.R.O. Jayanagar, Bengaluru Urban District
Index searched
Index of Registered Deeds, Book-I (immovable property)
Period of search
01.01.2004 to 31.12.2025 (22 years)
Search made in the name of
Sri. M. A████ R██, Sri. K. R████ B███
Volume / Book reference
Book-I, Vol. 12██ to 41██
Mode of search
Kaveri online registration index and manual index verification at the S.R.O.

(b) Certificate of search / N.E.C.

Having caused a search of the registration indices set out above for the full period of 22 years, we certify that the entries traced in respect of the schedule property are those listed in Annexure A, that the only charge created during the period stands released of record, and that no subsisting mortgage, lien, attachment, court injunction or government notification affects the schedule property as on the date of search.

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LAWADIV · Title search, land records and litigation due diligence

Report ID: LRS/KA/2026/04██
16 August 2026

PART-VII — Documents to be collected for creation of equitable mortgage

  1. Original Sale Deed dated 12.03.2019 together with the mother deed in original.
  2. Latest Encumbrance Certificate up to the date of deposit of title deeds.
  3. Khata Certificate, Khata Extract and the latest property tax paid receipt.
  4. Declaration-cum-undertaking of deposit of title deeds by the borrower.
  5. Memorandum of entry recorded in the bank's register on the date of deposit.

PART-VIII — Documents to be collected post disbursal

  1. Certified copy of the CERSAI registration of the security interest.
  2. Fresh Encumbrance Certificate reflecting the bank's charge.
  3. Acknowledgement of the public notice published inviting objections.
  4. Updated khata reflecting the mortgage endorsement, where applicable.

████████████

Advocate · Enrolment No. ██████

Bengaluru · 16 August 2026

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LAWADIV · Title search, land records and litigation due diligence

Report ID: LRS/KA/2026/04██
16 August 2026

Annexure A — Encumbrance search

Entries traced in the registration indices for the period 01.01.2004 to 31.12.2025 in respect of the schedule property.

DateDoc. No.NaturePartiesConsiderationStatus
22.09.200461██/2004Sale DeedSmt. L█████ to Sri. M. A████ R██Rs. 8,██,000Acted upon
18.06.201231██/2012Deposit of title deeds — mortgageSri. M. A████ R██ in favour of a scheduled bankRs. 18,██,000Released 22.02.2019
22.02.20199██/2019Deed of ReleaseScheduled bank to Sri. M. A████ R██Charge discharged
12.03.201943██/2019Sale DeedSri. M. A████ R██ to Sri. K. R████ B███Rs. 62,██,000Acted upon — present title

Search result: two equitable mortgages were traced during the period and both stand discharged on record. No subsisting charge, lien, attachment or government notice is reflected as on the date of search. Khata stands in the vendor's name.

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LAWADIV · Title search, land records and litigation due diligence

Report ID: LRS/KA/2026/04██
16 August 2026

Annexure B — Litigation and criminal record check

Screening summary

Low risk — 3 of 208 matters carried forward

Risk score 18 / 100
Names screened
3 — vendor, purchaser and confirming party
Courts covered
Supreme Court, High Court of Karnataka, district and magistrate courts
Matters returned by the index
208 on name similarity
Ruled out after identity verification
205 — different persons on parentage, address or advocate
Carried into the opinion
3 matters
Criminal matters affecting the parties
Nil

A name match is not by itself evidence of identity. Every hit returned by the court index is verified by an analyst against parentage, address and advocate details before it enters the opinion.

O.S. No. 2██/2021CNR KABN01-00████-2021

IX Addl. City Civil Judge, Bengaluru · Original Suit · Pending — evidence

Sri. P. S█████ vs Sri. K. R████ B███

Filed 04.11.2021 · 09.09.2026

Analyst note: Boundary encroachment on the eastern side. Relief sought is a mandatory injunction, not a declaration of title. Ownership of the schedule property is not in issue. To be disclosed in the sanction note.

C.C. No. 1██/2017CNR KABN02-01████-2017

XV A.C.M.M., Bengaluru · Calendar Case · Disposed — acquitted

M/s ██████ vs Sri. M. A████ R██

Filed 18.07.2017 · Disposed 21.01.2020

Analyst note: Cheque dishonour matter of an unrelated partnership firm. Accused acquitted. No bearing on the schedule property or on the present owner.

O.S. No. 5██/2013CNR KABN01-00████-2013

V Addl. City Civil Judge, Bengaluru · Original Suit · Decreed

Smt. L█████ and others — partition among family members

Filed 06.02.2013 · Decreed 30.08.2016

Analyst note: Partition suit in the vendor's family. The final decree allotted the schedule property to the vendor's predecessor, confirming the 1996 partition relied upon in PART-III.

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LAWADIV · Title search, land records and litigation due diligence

Report ID: LRS/KA/2026/04██
16 August 2026

Annexure C — Schedule of matters examined

Forum searchedNamesReturnedCarried
Supreme Court of India3 names00
High Court of Karnataka (Bengaluru, Dharwad, Kalaburagi)3 names310
District and Sessions Courts, Bengaluru Urban3 names942
Magistrate Courts, Bengaluru Urban3 names581
Other district courts in Karnataka3 names250

Glossary of case types

C.C.
Criminal Case
EX.
Execution Case
M.C.
Matrimonial Case
O.S.
Original Suit
R.A.
Regular Appeal
W.P.
Writ Petition

This report is issued for the exclusive use of the addressee in connection with the credit facility referred to above and may not be relied upon by any other person. This is a redacted sample and is not to be relied upon for any transaction.

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