Documents you'll need
- Original sale certificate issued by the bank's authorised officer.
- Possession letter (if issued separately).
- Copy of the auction notice and bid confirmation email.
- Buyer PAN, Aadhaar and photographs.
- TDS certificate (Form 26QB) if sale value > ₹50 lakh.
The registration sequence
- Pay full sale consideration to the bank within 15 days (max 90 with consent).
- Collect sale certificate and possession letter.
- Pay stamp duty and registration fee online through the state's e-stamping portal (SHCIL, GRAS, etc.).
- Book a time slot at the sub-registrar's office.
- Present yourself with two witnesses; biometrics captured on the day.
- Collect the registered sale certificate — usually returned within 7–15 working days.
Mutation and khata transfer
Once registered, apply to the municipal corporation for mutation of records (khata / patta transfer). This updates property tax records to your name and is what most lenders and buyers ask for as proof of ownership.
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