Follow us on:
Experience unparalleled legal expertise and personalized legal service at our distinguished law firm.
.jpeg)
.jpeg)
.jpeg)
.jpeg)
Our firm is a leading provider of comprehensive legal services, renowned for our commitment to excellence and client-centric approach. With a rich history of delivering outstanding results, we offer a diverse range of practice areas and industry expertise to meet the unique needs of our clients. Our firm prides itself on fostering long-term relationships built on trust, integrity, and a steadfast dedication to achieving favourable outcomes for our clients.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Supreme Court
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
High Court
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
District Court
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Sub Division Court
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Consumer Commission
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Commercial Court
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
CAT
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
DRT
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Labour Commission
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
RERA Tribunal
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
SAT
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
LRTT
Our team specializes in thorough property verification to safeguard your investments. We provide comprehensive checks to ensure the authenticity and legality of your property, giving you peace of mind in your real estate dealings.
IntroductionPurchasing property in India—whether residential, commercial, or agricultural—requires more than just money. One of the most critical steps is a title search, which verifies whether the seller has a clear, legal, and marketable ownership of the property. Failing to conduct a proper title search can result in severe financial loss, litigation, or ownership disputes.This blog explains how to conduct a thorough title search before buying property in India, what documents to examine, red flags to watch for, and how KHA Advocates can simplify this vital legal process for you.What Is a Property Title Search?A property title search is a legal due diligence process that involves examining past records and legal documents related to the ownership, encumbrances, and legal status of a property. The objective is to ensure:The seller has legal ownershipThe title is clear, marketable, and unencumberedThere are no pending litigations, disputes, or legal restrictionsIt is mandatory for homebuyers, real estate investors, banks, and NRIs seeking safe and transparent transactions.Why Is Title Search Important Before Buying Property?✅ Avoids fraud and forged documents✅ Prevents purchasing disputed or encumbered property✅ Ensures lawful and hassle-free registration✅ Required for loan approval and insurance✅ Helps in valuation and resale in the futureWhether you’re buying land, an apartment, or a resale flat, a proper title search saves you from long-term legal and financial trouble.Steps to Conduct a Proper Title Search in India1. Obtain the Chain of Title Documents (Minimum 30 Years)Check all previous sale deeds, gift deeds, wills, partition deeds, or court decrees to trace ownership. This helps confirm that:Every transfer was legal and validThe current seller has received ownership lawfullyNo break in the ownership chain existsA minimum of 20 years of ownership history is ideal for a clean title search.2. Review Encumbrance Certificate (EC)An Encumbrance Certificate issued by the Sub-Registrar confirms whether the property is free from loans, charges, or mortgages.Must be obtained for at least 13 years or moreCheck if any mortgage, lien, or legal charge existsEC should reflect all genuine transactions3. Verify Mutation and Tax RecordsMutation records reflect the transfer of ownership in the local municipal records, which is vital for paying property tax and future resale.Cross-check with the local Municipal Corporation / PanchayatEnsure that property taxes are paid up-to-dateMutation should be in the name of the seller4. Examine Court Cases and Legal DisputesSearch for any pending court cases, stay orders, or injunctions related to the property:Use District Court records, High Court portals, and online legal databasesTitle cannot be transferred during ongoing litigation under the doctrine of lis pendens5. Check Land Use & Zoning ClearanceEnsure the property is within legal residential, commercial, or agricultural zones as per local development authority or municipality:Illegal conversion from agricultural to residential land is invalidConfirm RERA registration, especially for under-construction flats6. Conduct Physical Site Visit and VerificationEnsure there are no encroachments or boundary disputesCheck with neighbours, local panchayat or RWAMatch the physical features of the property with the title deed and site map7. Legal Opinion and Title CertificateHire a qualified real estate lawyer or firm to:Examine the entire title chainCertify if the title is clear, marketable, and unencumberedIssue a formal Title Search Report / Title Certificate for your recordsHow KHA Advocates Can Help You with Title SearchAt KHA ADVOCATES, we offer end-to-end legal support for property title verification across India, especially for NRIs and foreign investors.✅ We conduct 20-year title trace and ownership validation✅ Review all property documents including EC, RTC, mutation, tax records✅ Access Sub-Registrar Office and Court Records for background check✅ Provide detailed Title Search Reports with Legal Opinion✅ Assist in registration, sale deed drafting, and due diligence✅ Handle property disputes, fraudulent sale cases, and RERA mattersOur team of real estate lawyers and property law experts ensures your investment is legally secure, and you are protected from risks, fraud, and future litigation.ConclusionA title search before buying property is not optional—it’s a legal necessity. Whether you’re an NRI, investor, or first-time homebuyer, verifying the title can protect your finances, reputation, and peace of mind. In India’s complex property ecosystem, don’t rely on word of mouth or partial information.Let KHA ADVOCATES handle your title scrutiny, legal opinion, and property transaction end-to-end, so you buy property with confidence and complete legal clarity.Need Property Title Verification or Legal Assistance in India?📞 Reach out to KHA ADVOCATES – Property Law Experts You Can Trust.🌐 Visit www.khaadvocates.com | ✉️ Email: contact@khaadvocate.in 📱 Call: 94-777-5-888-5#KhaAdvocates #BestPropertyLawyer #PropertySearchinglawyerReader can also find us from:GoogleFacebookabout.meoneisokgetlawlawzana
Read More
Repaying a loan is a significant financial milestone. However, the journey doesn’t end with the final payment. Ensuring you collect all pertinent documents post-repayment is crucial to safeguard your financial interests and legal rights. This guide outlines the essential documents you should collect after loan repayment, incorporating the Reserve Bank of India’s (RBI) guidelines and relevant legal considerations.📄 1. No Objection Certificate (NOC)The NOC is a formal declaration from the lender stating that you’ve repaid the loan in full and that there are no outstanding dues. This document is vital as it serves as proof of loan closure and is often required for future financial transactions or legal purposes.🏠 2. Original Property DocumentsIf you’ve taken a secured loan, such as a home loan, the bank would have retained original property documents as collateral. Post-repayment, it’s imperative to retrieve:• Title deeds• Sale agreements• Property tax receipts• Encumbrance certificates These documents are essential for establishing ownership and for any future property transactions.🔓 3. Lien Release LetterA lien is a legal claim or right against a property. Upon loan repayment, the bank should provide a lien release letter, confirming that the lien on your property has been removed. This is crucial for updating property records and ensuring clear ownership. 📑 4. Loan Account StatementRequest a comprehensive loan account statement detailing all transactions, including:• EMI payments• Interest charges• Penalties (if any)• Final settlement details This statement serves as a financial record and can be useful for tax purposes or future financial planning.🧾 5. Post-Dated Cheques (PDCs) and ECS DeactivationIf you’ve provided PDCs or set up Electronic Clearing Service (ECS) mandates for EMI payments, ensure:• Retrieval of any unused PDCs• Deactivation of ECS mandatesThis prevents any unintended debits from your account post-loan closure. 🚗 6. Form 35 (For Vehicle Loans)For vehicle loans, the bank registers a hypothecation on your vehicle’s Registration Certificate (RC). Post-repayment, collect Form 35 and the NOC from the bank to remove the hypothecation from the RC at the Regional Transport Office (RTO).📊 7. Updated Credit ReportAfter loan closure, obtain your credit report from credit bureaus like CIBIL, Experian, or Equifax to ensure:• The loan is marked as ‘Closed’• There are no outstanding duesA clean credit report is essential for maintaining a good credit score and for future loan approvals.🏛️ RBI Guidelines on Document ReturnThe RBI has mandated that banks and Non-Banking Financial Companies (NBFCs) must return all original movable or immovable property documents within 30 days of full loan repayment. Key Points:• Timeline: 30 days from the date of loan closure.• Penalty for Delay: Banks are liable to pay ₹5,000 per day for delays beyond the stipulated period.• Loss or Damage: In case of loss or damage to original documents, banks must assist borrowers in obtaining certified duplicates within 30 days. ⚖️ Legal ConsiderationsIt’s essential to be aware of your legal rights concerning loan closure:• Equity of Redemption: As established in the case of Vernon v Bethell, borrowers have the right to reclaim their property upon full repayment of the loan.• Right to Information: Under the Right to Information Act, borrowers can request information regarding their loan accounts and related documents. ✅ ConclusionCollecting all relevant documents after loan repayment is not just a procedural formality but a crucial step in ensuring your financial and legal security. Adhering to RBI guidelines and understanding your rights can help you navigate this process smoothly.Always maintain both physical and digital copies of these documents for future reference.For more insights on financial management and legal rights, stay tuned to our blog.
Read More
IntroductionThe question of whether a sale through Power of Attorney (PoA) is still valid in India remains a hot topic, especially among NRIs and those handling property transactions remotely. With evolving property laws and significant court rulings like the Suraj Lamp & Industries vs State of Haryana case, it is crucial to understand the current legal standing of PoA in property sales.What is Power of Attorney in Real Estate?A Power of Attorney is a legal document that grants authority to one person (agent) to act on behalf of another (principal) in financial, legal, or property-related matters. In real estate, it enables the agent to sign documents, represent the principal at registration offices, and even complete property transactions.For NRIs, senior citizens, or people living in different cities, using PoA is often a practical solution. But the legality of selling property solely through PoA has undergone major revisions.Supreme Court Verdict: Suraj Lamp CaseIn 2011, the Supreme Court of India ruled in the Suraj Lamp & Industries Pvt. Ltd. vs State of Haryana case that Power of Attorney is not a valid instrument for transferring title in immovable properties. The court held:• Sale of property through PoA does not convey legal ownership.• Only a registered sale deed is considered valid for transferring property title.• PoA can still be used for representational purposes like managing, leasing, or mortgaging property.Is Sale Through Power of Attorney Still Legal in 2025?Yes—but with strict legal conditions.While PoA cannot be a substitute for a sale deed, it remains legally valid when:• It is properly executed, notarised, and registered.• The principal authorises the attorney to execute the registered sale deed.• The final sale transaction is executed through a legally registered sale deed, not just PoA.So, sale through PoA is not invalid, but using PoA as the sole instrument for sale is not legally recognised.Power of Attorney for NRIs: Special ProvisionsFor NRIs, the law permits execution of a Special Power of Attorney at the Indian Embassy or Consulate in the foreign country. The steps include:1. Drafting the PoA clearly defining the powers.2. Signing before a notary or consular officer.3. Sending the document to India for adjudication and registration within the prescribed time.This legally enables the attorney to complete the sale transaction on behalf of the NRI, but the sale deed must still be registered in accordance with Indian law.Risks of Misusing PoA in Property SalesImproper or fraudulent use of PoA can lead to:• Title disputes and litigation• Forgery and impersonation• Legal challenges during resale• Refusal of mutation and municipal approvalsTo avoid these, always seek legal verification, registration, and due diligence.ConclusionTo sum up, a sale through Power of Attorney in India is still valid—but only if it culminates in a properly registered sale deed. The PoA is a facilitator, not a substitute for the sale deed. With courts cracking down on misuse, adhering to legal protocols is critical.At KHA ADVOCATES, we specialise in real estate transactions, PoA drafting, registration, and NRI property services across India. Whether you’re abroad or in India, our expert legal team ensures your property sale is 100% compliant.
Read More
Repaying a loan is a significant financial milestone. However, the journey doesn’t end with the final payment. Ensuring you collect all pertinent documents post-repayment is crucial to safeguard your financial interests and legal rights. This guide outlines the essential documents you should collect after loan repayment, incorporating the Reserve Bank of India’s (RBI) guidelines and relevant legal considerations.📄 1. No Objection Certificate (NOC)The NOC is a formal declaration from the lender stating that you’ve repaid the loan in full and that there are no outstanding dues. This document is vital as it serves as proof of loan closure and is often required for future financial transactions or legal purposes.🏠 2. Original Property DocumentsIf you’ve taken a secured loan, such as a home loan, the bank would have retained original property documents as collateral. Post-repayment, it’s imperative to retrieve:• Title deeds• Sale agreements• Property tax receipts• Encumbrance certificates These documents are essential for establishing ownership and for any future property transactions.🔓 3. Lien Release LetterA lien is a legal claim or right against a property. Upon loan repayment, the bank should provide a lien release letter, confirming that the lien on your property has been removed. This is crucial for updating property records and ensuring clear ownership. 📑 4. Loan Account StatementRequest a comprehensive loan account statement detailing all transactions, including:• EMI payments• Interest charges• Penalties (if any)• Final settlement details This statement serves as a financial record and can be useful for tax purposes or future financial planning.🧾 5. Post-Dated Cheques (PDCs) and ECS DeactivationIf you’ve provided PDCs or set up Electronic Clearing Service (ECS) mandates for EMI payments, ensure:• Retrieval of any unused PDCs• Deactivation of ECS mandatesThis prevents any unintended debits from your account post-loan closure. 🚗 6. Form 35 (For Vehicle Loans)For vehicle loans, the bank registers a hypothecation on your vehicle’s Registration Certificate (RC). Post-repayment, collect Form 35 and the NOC from the bank to remove the hypothecation from the RC at the Regional Transport Office (RTO).📊 7. Updated Credit ReportAfter loan closure, obtain your credit report from credit bureaus like CIBIL, Experian, or Equifax to ensure:• The loan is marked as ‘Closed’• There are no outstanding duesA clean credit report is essential for maintaining a good credit score and for future loan approvals.🏛️ RBI Guidelines on Document ReturnThe RBI has mandated that banks and Non-Banking Financial Companies (NBFCs) must return all original movable or immovable property documents within 30 days of full loan repayment. Key Points:• Timeline: 30 days from the date of loan closure.• Penalty for Delay: Banks are liable to pay ₹5,000 per day for delays beyond the stipulated period.• Loss or Damage: In case of loss or damage to original documents, banks must assist borrowers in obtaining certified duplicates within 30 days. ⚖️ Legal ConsiderationsIt’s essential to be aware of your legal rights concerning loan closure:• Equity of Redemption: As established in the case of Vernon v Bethell, borrowers have the right to reclaim their property upon full repayment of the loan.• Right to Information: Under the Right to Information Act, borrowers can request information regarding their loan accounts and related documents. ✅ ConclusionCollecting all relevant documents after loan repayment is not just a procedural formality but a crucial step in ensuring your financial and legal security. Adhering to RBI guidelines and understanding your rights can help you navigate this process smoothly.Always maintain both physical and digital copies of these documents for future reference.For more insights on financial management and legal rights, stay tuned to our blog.
Read More
Specialized legal support for first-time property buyers, ensuring clarity, confidence, and peace of mind throughout the process.
Explore our range of easy-to-use financial and legal calculators designed to simplify your property and legal decisions. Get quick, accurate estimates for stamp duty, EMIs, area conversions, and alimony calculations.
Our team provides specialized services for loan settlement, ensuring a hassle-free and secure process. We handle negotiations, documentation, and legal formalities to help you settle your loans efficiently.
We simplify property purchases in India for NRIs, handling paperwork, property checks, and legal issues. We ensure a smooth buying process.
Tailored legal solutions for builders and developers, ensuring compliance and successful project completion.
Could discuss my case in length. Useful advice was provided to me. I would like to recommend.
I have visited for NOC & declaration matter. Personally i think Mr. Kabir is very professional & very positive minded.
Very professional, on time and Technically good. We are extremely Satisfied with my apartment registration.
Excellent service, on time, technically efficient. We are very happy with the service provided. Thanks a lot.
Very loyal, I am very happy with his service, he is understanding, mature and very knowledgeable,any kind of problem he can solve
I was greatly relieved after talking to Advocate Kabir Hassan. I needed a clarification about the proceedings of my Talak with my current lawyer and Mr. Hassan confirmed with valid points. Thank you, again!
Very professional and very kind hearted person i have ever visited. Very helpfull in nature and one of the best lawyer's in my locality.
Very knowledgeable having a Positive Attitude towards client's problems, All the staffs are also helpful. Satisfied with their services.
It's an awasome place to resolved your legal issue...specially kabir sir is very good and honest person to solve your query step by step. Thanks to kha advocate for helping my legal issue..
One of the best experienced and professional advocate i have ever seen. Please do visit and consult with him. He is the best person to get rid you off from each and every law related problems.
it waa good experiance with KHA advocate for my hassle free registration. I highly recomend other to consult for any property related or legal matters with KHA thanks Anant Pradhan.
Having excellent analytical and logical approach is the hallmark in Law Firm. As per my convenience, I truly appreciate that KHA Sir take the time to talk to me. I express my gratitude to KHA for their help and support.
Very courteous, professional and competent law firm led by the able Mr. Kabir Hassan. They handled the searching, sale agreement / deed drafting, query generation / stamp duty payment and registration process of my new flat in New Town very, very smoothly despite several challenges / issues from the seller's end along the way.
Service provided by him was good. He is very polite, knowledgeable and helpful. He guided through our case very well.
KhA Advocates is a premier law firm in Kolkata, West Bengal known Internationally, providing expert legal services in property registration, corporate law, matrimonial law, taxation, dispute resolution, and more. We offer tailored legal solutions for NRIs, businesses, and residents, ensuring 100% compliance and protection. With our efficient, transparent, and reliable approach, we safeguard your legal interests.
.jpeg)
.jpeg)
Highly recommended for Divorce case. I got Divorce order so fast than my expectation. Thanks a lot Mr. Kabir
Shreyasi Chakrabarty