Buying or selling property is one of the biggest financial and legal transactions you’ll ever undertake. In Bangalore and Karnataka, missing even a single document can delay registration, invite legal disputes, or reduce buyer confidence.

This 2025 checklist covers all essential documents required for property purchase, sale, verification, and registration—along with how Owne ensures every transaction is legally airtight.

1. Title Deed / Sale Deed / Conveyance Deed

What it is: The core document proving legal ownership.
Why it matters: Confirms the seller has the right to sell.

What to verify:

• Full chain of ownership

• Encumbrance history

• Proper stamping & registration

Owne’s safeguard: Full title-chain verification before listing.

2. Encumbrance Certificate (EC)

What it is: Record of mortgages, loans, and legal liabilities.
Why important: Ensures property is free from financial/ legal disputes.

Check for:

• EC from sub-registrar

• 13–30 years transaction history

Owne ensures EC checks and flags any risks upfront.

3. Mutation Records / Khata / Property Tax Receipts

Includes:

• Khata / Khata Extract (BBMP/BDA)

• Mutation records

• Property tax receipts

• Utility bill clearance

Why important: Confirms municipal records reflect correct ownership.

Owne verifies khata, mutation entries, and dues before onboarding.

4. Approved Building Plan / Layout Plan

What it is: Government-approved plan for construction.
Why important: Protects against illegal or unsafe construction.

Check for:

• Approval from BBMP/BDA

• Floor plans, setbacks

• Match between approved plan & actual building

Owne does not list properties with plan deviations.

5. Completion Certificate (CC) & Occupancy Certificate (OC)

• CC: Construction finished as per sanctioned plan

• OC: Building is safe and ready for occupation

Why important: Banks and buyers often reject non-OC buildings.

Owne validates OC/CC or clearly highlights if pending.

6. No-Objection Certificates (NOCs)

Depending on the property:

• Society NOC

• Fire safety NOC

• Environmental NOC

• Utility / road access NOC

Owne ensures all required NOCs are validated or assisted.

7. Identity Proof & Address Proof (Buyer/Seller/POA)

Required documents:

• Aadhaar / PAN / Passport / Voter ID

• Address proofs

• POA (if applicable)

POA requirements for NRIs:

• Consulate attestation

• Stamping/registration as required

Owne conducts complete KYC + POA validation for all remote buyers.

8. Power of Attorney (If Applicable)

Used when buyer or seller cannot be physically present.

Must be:

• Legally drafted

• Registered/notarized

• Validated for foreign origin (apostille/consulate)

Owne manages POA compliance end-to-end.

9. Agreement to Sell / Sale Agreement

Defines:

• Price

• Payment terms

• Timelines

• Default clauses

• Dispute mechanism

Owne uses standardized, lawyer-vetted tri-party agreements (buyer + seller + investor).

10. Title Search Report / Lawyer Certification

Confirms:

• Ownership history

• Encumbrances

• Pending litigations

Owne obtains professional title reports before listing.

11. Bank Statements / Loan Clearance Documents

Required if:

• Property had a prior loan

• EMI history is needed

• Mortgage needs release

Owne verifies discharge certificates before final transfer.

12. Loan Release / Encumbrance Clearance

Includes:

• Bank NOC

• Loan closure letter

• Release deed

• No-dues certificate

Owne ensures zero encumbrances before seller receives payout.

13. Valuation / Stamp Duty Valuation Reports

Used for:

• Registration

• Preventing undervaluation penalties

Owne cross-checks valuation using its price benchmarking engine.

14. PAN Card & Tax Compliance Documents

Required for:

• Registration

• TDS (especially for NRI transactions)

• Capital gains repatriation (Form 15CA/15CB)

Owne integrates tax compliance workflows, especially for NRIs.

15. Receipts & Proof of All Payments

Includes:

• Booking amount

• Advance

• Installments

• Bank transfers

• Challans

Owne’s escrow system records all payments — preventing disputes.

How Owne Covers Customers Against Document Risks & Frauds

Now that you have the legal document checklist, here’s how Owne protects buyers, sellers, and investors from risks.

Pre-Listing Due Diligence

• Title check, EC, khata, OC verification before listing.

• Flags problematic properties before they ever reach buyers.

Standardized Tri-Party Agreements

• All parties sign a legally valid, registered contract (seller, buyer, investor).

• Includes clauses for defaults, exit, and dispute resolution.

Escrow-Based Payment Flow

• Payments remain in escrow until all documents and conditions are verified.

• Seller receives funds only after clear title, registration, and compliance.

Legal & Document Support

• Owne’s legal team helps with drafting, stamping, and registration.

• POA attestation and document legalization (for NRIs) facilitated end-to-end.

Staged Disbursement & Validation

• Payment releases tied to milestones and legal checks.

• Prevents sellers from receiving full payment before obligations are fulfilled.

Conflict & Dispute Mechanism

• Contracts include built-in dispute redressal clauses.

• K-RERA or local judicial pathways used when required.

• Owne mediates and ensures contract enforcement.

Transparency & Audit Trail

• All documents, proofs, and timestamps stored digitally.

• Buyers, sellers, and investors get complete audit access.

Exit & Resale Safety

• Future resale allowed only when all documents remain valid and updated.

• Ensures title chain remains clean across investor exits.

Sample Timeline & Document Flow (Before, During, After Deal)

Before Listing

• Title deed, EC, khata, OC, NOCs

• Owne safeguard: Pre-check verification before listing

Buyer Selection

• KYC, proof of funds, POA (if remote)

• Owne safeguard: Buyer KYC + fund verification via escrow

Agreement Stage

• Agreement to Sell / Purchase, payment receipt

• Owne safeguard: Standardized, stamped, binding tri-party agreement

Pre-Registration

• Encumbrance clearance, loan discharge, title reports

• Owne safeguard: Legal team ensures full clearance

Registration & Transfer

• Sale deed execution, stamp duty, registration, handover

• Owne safeguard: Escrow releases funds only after registration completion

Post-Transaction

• Possession letter, utility transfers

• Owne safeguard: Full documentation of every handover step

Real Example: How Owne’s Document Flow Works

• An NRI buyer from Dubai registers using POA.

• Owne verifies title, khata, OC, EC, and maps legal risk.

• Buyer, seller, and investor sign a tri-party agreement; funds move to escrow.

• Any existing mortgage is cleared with a discharge certificate.

• Sale deed is registered with all duties paid.

• Escrow releases funds to seller after successful registration.

• Buyer receives full legal title with no hidden liabilities.

Tips to Verify Documents & Avoid Pitfalls

Verification Checklist

• Cross-check surrounding property sales to validate title chain.

• Request a survey sketch/site map to confirm boundaries.

• Conduct a physical visit; ensure construction matches the approved plan.

• Insist on original or certified documents, not altered/scanned copies.

• Consult a trusted property lawyer for verification.

• Never release the final payment until title is cleared and registration is ready.

Conclusion

Buying or selling property in Bangalore in 2025 requires serious legal diligence. Missing or incomplete documentation can derail even the smoothest real estate transaction.

Owne eliminates these risks through:

• Pre-vetted, legally verified property listings

• Registered tri-party agreements with escrow protection

• POA handling, document verification, and registration support for locals & NRIs

With Owne, you don’t just complete a transaction — you secure peace of mind, clarity, and complete legal protection.