Owning a home is a dream for many of us. We wait for years searching for the perfect home that suits our needs. Once we find the right home and decide to buy it, we may think that the hard part is over. However, there are still important tasks ahead. We need to organize all our paperwork and register our homes.
In Tamil Nadu, property registration is a necessary process, but it’s not as difficult as it may seem. In this blog, you can learn about the rules and complete process for land registration in Tamil Nadu.
Documents Required for Property Registration in Tamil Nadu
In order to start the property registration process in Tamil Nadu, you first need to ensure that you have all the important land registration documents needed in Tamil Nadu in order. Listed below are the documents required for property registration in Tamil Nadu:
- Encumbrance Certificate (EC): This certificate is crucial as it verifies that the property you are purchasing is free from any legal or monetary liabilities such as mortgages or loans.
- Original Property Documents (Patta Chitta): These documents serve as proof of ownership and include the title deed and other relevant documents related to the property.
- Challan/DD for Payment: You need to provide the challan or demand draft for the payment of full stamp duty, transfer duty (if applicable), registration fee, and user charges. These fees are essential for the registration process.
- Sales Deed: This document establishes the transfer of ownership from the seller to the buyer and contains details of the property, parties involved, and the purchase price.
- Pattadar Passbook: This document is required for agricultural land registration and serves as proof of ownership for the agricultural property.
- Identification Proof: You need to provide identification proof for both the seller and the buyer, as well as any witnesses involved in the registration process. Accepted forms of identification include PAN card and Aadhar card.
- Passport-sized Pictures: Two passport-sized photographs of the buyer and seller are required for the registration process.
- No Objection Certificate (NOC): If required, you may need to provide a NOC from relevant authorities stating that there are no objections to the property transaction.
- Power of Attorney (POA): If a person is representing either the buyer or the seller in the property transaction, a Power of Attorney document may be required.
Getting Ready for Property Registration
Once you have gathered all the necessary documents, you can proceed with the property registration process in Tamil Nadu. It is important to follow the step-by-step procedure outlined by the Tamil Nadu government. The process can be carried out both offline and online.
In the offline process, you need to calculate the value of your property based on the current circle rates. The stamp duty is calculated based on the higher value between the circle rate and the actual price paid. You need to purchase non-judicial stamp papers and pay the stamp duty through licensed stamp suppliers or online platforms. The registration process is then carried out by the registrar, and you have the flexibility to choose the date and time of registration.
For online property registration, you can use the Tamil Nadu Registration Portal (STAR 2.0) to submit your documents online. The Junior Assistant will verify the documents, and upon approval from the registrar, the registration process will be initiated. The online registration process is known for its efficiency and speed, with up to 8 properties being registered in just one hour.
It is important to note that property registration charges in Tamil Nadu are based on the market value of the property. The charges are typically 1% of the market value, regardless of whether the property is located in a rural or urban area, or if it is a new or resale property. Additionally, stamp duty and registration fees for women in Tamil Nadu are the same as those for men and joint owners.
To ensure a smooth property registration process, it is advisable to keep a few points in mind. You can make online payments for property registration through 11 approved banks in Tamil Nadu. If you require any assistance during the registration process, you can contact the TN toll-free number for support. It is also important to complete the property registration within four months of executing the sale deed to avoid penalties. Once the registration is complete, you can use the registered documents to settle ownership disputes and prevent encroachment on your property.
Step-by-Step Procedure for Property Registration in Tamil Nadu
Tamil Nadu property registration can be done easily through both offline and online methods. Here is a step-by-step procedure for Tamil Nadu land registration:
- Calculate the value of your property using the current circle rates in your region.
- Compare the guideline value vs. the market value
- Check the rate with the actual price paid, and use the higher of the two figures to calculate the stamp duty.
- Purchase non-judicial stamp papers with the determined value.
How Does the Online Property Registration Portal in Tamil Nadu Work?
The Tamil Nadu government has recognized the significance and value of online registration and EC (Encumbrance Certificate) in the state. In order to make the process more convenient and accessible, they have recently introduced STAR 2.0, the TN registration portal. This user-friendly portal can be easily accessed at https://tnreginet.gov.in/portal/. By utilizing this platform, individuals can now complete a majority of their paperwork without the need to physically visit a sub-registrar’s office. This initiative was implemented in February 2018, with the aim of conducting all property registrations in Tamil Nadu through online means.
Under the new and improved online registration process, individuals are required to submit their documents electronically. These documents are then initially verified by the Junior Assistant, followed by a thorough review by the registrar. The registrar carefully examines each document to ensure accuracy and completeness before initiating the registration process.
One of the notable advantages for buyers is the flexibility to select their preferred date and time for registration. The entire process, from start to finish, usually takes around 10 minutes, with the registered documents being issued on the same day. The TN registration portal has gained a reputation for its efficiency and speed, as it is capable of handling the registration of up to 8 properties within a span of just 1 hour. Moreover, the portal has been designed with utmost consideration for security, ensuring a safe and secure environment for users. The interface is user-friendly, making it easy for individuals to navigate and complete their registration process with ease.
Property Registration Charges in Tamil Nadu
Property registration charges in Tamil Nādu are determined based on the market value of the property being purchased. Regardless of whether the property is located in a rural or urban area, or whether it is a new or resale property, The market value is determined by the government and is known as the guideline value.
In addition to the market value, there are other factors that can affect the property registration charges. For example, if the property is located in a prime location or has special features, the charges may be higher. On the other hand, if the property is in a less developed area or has certain limitations, the charges may be lower.
It is important to note that property registration charges not only include the stamp duty and registration fee, but also other miscellaneous charges such as documentation fees, legal fees, and administrative fees. These charges can vary depending on the value and type of property being registered.
Therefore, when purchasing a house or land in Tamil Nādu, it is crucial to consider all the associated charges and fees to ensure a smooth and transparent property registration process.
Things you must know if you are first time buyer of a property in Tamil Nadu
If you are buying and registering property in Tamil Nadu for the first time, keep the following in mind:
- You can pay for property registration online in Tamil Nadu through 11 approved banks.
- Always engage a competent legal counsel to help you with the registration.
- Property registration must be completed within four months of executing the sale deed. Failure to do so will result in a penalty.
- Once you register your property, you can easily settle disputes regarding ownership or rights. You can also use the plan to prevent encroachment by trespassing on the boundaries.
Frequently Asked Questions
Q1: What is the registration charge for resale property in Chennai? A1: When it comes to registering a resale property in Chennai, there is a registration charge that needs to be paid. This charge is calculated based on either 1% of the property’s market value or the agreed value. Additionally, there is also a stamp duty that needs to be paid, which is set at 7% of the property’s value. Both of these charges are important factors to consider when purchasing a resale property in Chennai.
Q2: How many online banks are available for online payment of property registration in Tamil Nadu? A2: In order to facilitate the convenience of users, the Tamil Nadu government has introduced a system where you can conveniently and securely make online payments for property registration. This innovative system allows you to choose from a total of 11 approved banks, ensuring that you have a wide range of options to complete your payment smoothly and efficiently.
Q3: What are the stamp duty and registration charges for women in Tamil Nadu? A3: In Tamil Nadu, when it comes to stamp duty for women, it is set at 7% of the property’s market value. Additionally, for land registration fees, it amounts to 4% of the property’s market value. These percentages serve as a fair and reasonable way to determine the costs associated with property transactions in Tamil Nadu.
Q4: How much time does it take for a property name change in Tamil Nadu? A4: The property name change process in Tamil Nadu usually takes about 15-30 days as there is currently no online procedure available. During this time, several steps need to be followed to ensure a smooth and efficient name change. These steps include submitting the necessary documents to the appropriate government office, paying the required fees, and providing any additional information or supporting documents that may be requested. It is important to note that the duration of the process may vary depending on the specific circumstances and workload of the government office handling the name change requests.
Q5: What is the procedure for MODT registration in Tamil Nadu? A5: The Memorandum of Deposits of Title Deeds (MODT) can be registered at the Sub-Registrar’s office as part of the state government requirements. In the state of Tamil Nadu, there are specific charges associated with registering the MODT. These charges include a stamp duty of 0.5% on the loan amount, with a maximum limit of ₹30,000. Additionally, there is a registration charge of 1% on the loan amount, with a maximum cap of ₹6,000. It is important to comply with these charges and requirements when registering the MO
Q6: What are the property registration charges for new properties in Tamil Nadu? A6: In Tamil Nadu, the charges for registering new properties are usually calculated as 1% of the market value. This fee covers the process of officially recording the property ownership and ensures that the property is legally recognized. The registration charges contribute to the state’s revenue and help maintain a record of property transactions. By collecting these charges, the government can fund various development projects and provide essential services to its residents. Therefore, it is important for property buyers to be aware of these registration charges and factor them into their budget when purchasing a new property in Tamil Nadu.
Q7: Is there a penalty for not completing property registration within a specific time frame in Tamil Nadu? A7: Absolutely, it is important to note that there is indeed a penalty imposed if the property registration is not completed within the specified timeframe of four months from the execution of the sale deed. This penalty serves as a deterrent and emphasizes the significance of promptly completing the registration process to ensure compliance with legal requirements and avoid any potential consequences or complications that may arise due to non-compliance.
Q8: Can I pay for property registration online in Tamil Nadu? Yes, you have the option to conveniently make online payments for property registration in Tamil Nadu. This process can be done through a total of 11 approved banks, providing you with a wide range of choices for your payment needs. By utilizing this online payment method, you can save time and effort by avoiding the need to visit physical bank branches. This efficient and secure method ensures a smooth and hassle-free experience for property owners in Tamil Nadu.
Q9: How can I check the status of my application for property registration in Tamil Nadu? A9: If you are interested in checking the status of your application for property registration in Tamil Nadu, you will be pleased to know that it can be done easily through the convenient online land registration documents portal. This portal provides a hassle-free way for you to access the necessary information regarding the progress of your application, ensuring that you stay updated every step of the way. Take advantage of this user-friendly platform to stay informed about the status of your property registration application in Tamil Nadu.
Q10: Can I register agricultural land in Tamil Nadu? Yes, agricultural land can indeed be registered in Tamil Nadu. If you are considering registering your agricultural land, there are certain documents that you will need to provide. One of the important documents that you will need to submit is the Pattadar Passbook, which serves as proof of ownership. This document is crucial in the registration process and must be provided to validate your claim of ownership. Therefore, it is essential to ensure that you have the Pattadar Passbook ready when you proceed with the registration of your agricultural land in Tamil Nadu.
Q11: Are the property registration charges the same for rural and urban areas in Tamil Nadu? Yes, the property registration charges in Tamil Nadu are the same regardless of whether the property is located in a rural or urban area.
Moreover, it is important to note that these charges are determined by the value of the property and are regulated by the Tamil Nadu Registration Department. The registration charges include fees for stamp duty, transfer duty, and registration fees.
In addition, the property registration process in Tamil Nadu involves several steps. These steps include verification of documents, payment of registration fees, submission of forms, and obtaining the registration certificate.
Furthermore, it is advisable to engage the services of a qualified lawyer or property consultant to assist you with the property registration process. They can provide guidance on the necessary documents, help prepare the required forms, and ensure that all legal requirements are met.
Overall, understanding the property registration charges and process in Tamil Nadu is essential for anyone looking to buy or sell property in the state.
Q12: What are the important documents required for property registration in Tamil Nadu? A12: When it comes to property registration in Tamil Nadu, there are several important documents that you need to have in order to complete the process successfully. These documents include the Encumbrance Certificate (EC), which provides information about any outstanding debts or charges on the property. Additionally, you will need the original property documents, commonly referred to as Patta Chitta, which prove your ownership of the property. The sales deed is another crucial document that establishes the transfer of ownership from the seller to the buyer. In order to verify your identity, you will be required to provide identification proof such as a valid ID card or passport. Don’t forget to bring along passport-sized pictures as well. Lastly, there may be other relevant documents that you need to submit depending on the specific requirements of the registration process.
Q13: Can I complete the property registration process online in Tamil Nadu? A13: Yes, you can complete the property registration process online in Tamil Nadu through the Tamil Nadu Registration Portal (STAR 2.0).
Yes, you have the option to conveniently complete the property registration process online in Tamil Nadu using the Tamil Nadu Registration Portal (STAR 2.0). This online platform provides a user-friendly interface and step-by-step guidance to ensure a smooth and hassle-free registration experience. By utilizing this online service, you can save valuable time and effort by avoiding the need to physically visit a registration office. The Tamil Nadu Registration Portal (STAR 2.0) offers a secure and efficient method for registering your property, allowing you to access and submit all the necessary documents and information electronically. Whether you are a resident of Tamil Nadu or residing overseas, this online facility enables you to conveniently register your property with ease and convenience.
Q14: Is there any assistance available during the property registration process in Tamil Nadu? A14: Yes, absolutely! If you ever need any help or assistance during the property registration process in Tamil Nadu, you can always reach out to the TN toll-free number. They are available to provide you with support, answer any questions you may have, and guide you through the entire registration process smoothly and efficiently. Rest assured that you are not alone in this journey, and the TN toll-free number is there to ensure that your property registration experience is hassle-free and successful. Don’t hesitate to give them a call whenever you need their expert assistance!
Q15: What is the procedure for obtaining an Encumbrance Certificate (EC) in Tamil Nadu? To obtain an Encumbrance Certificate (EC) in Tamil Nadu, you have multiple options available. One convenient method is to visit the Inspector General of Registration (IGRS) Tamil Nadu official website, where you will find a user-friendly interface that guides you through the process of viewing and obtaining the certificate. The website provides a step-by-step approach, ensuring that you can easily navigate through the necessary sections and input the required information. By following these simple steps, you will be able to access the Encumbrance Certificate (EC) hassle-free and obtain the necessary documentation for your specific needs.
