TITLE INVESTIGATION REPORT TIR

To
The Manager,
Axis Bank,
Area Office
Rajapalayam.

Sub:- Title Report for the property situated at In

Ayyankollankondan Village in the name of
S.Mariyammal W/o. Sakkaraipandi

-------
1. Name of the Mortgagors & Constitution
1)S.Mariyammal,
W/o. Sakkaraipandi,
Door No. 6
N.M.V. Suppan Street,
Aruppukottai Town,
Aruppukottai Taluk,
Virudhunagar (Dt.).

2. Full Address of the Mortgagor s

1)S.Mariyammal,
W/o. Sakkaraipandi,
Door No. 6
N.M.V. Suppan Street,
Aruppukottai Town,
Aruppukottai Taluk,
Virudhunagar (Dt.).

3. Name of the applicant & Constitution

(in case different from the mortgagor) 1)S.Mariyammal,
W/o. Sakkaraipandi,
Door No. 6
N.M.V. Suppan Street,
Aruppukottai Town,
Aruppukottai Taluk,
Virudhunagar (Dt.).

4. Full Address of the applicant

(in the case different from the mortgagor) 1)S.Mariyammal,
W/o. Sakkaraipandi,
Door No. 6
N.M.V. Suppan Street,
Aruppukottai Town,
Aruppukottai Taluk,
Virudhunagar (Dt.).
 2

5. Type of property Indivual

6. Detailed Description of the Property:-

First Schecule
1St item

In Virudhunagar Registar District, Pandalkudi Sub Register Office,

Aruppukottai Taluk Podampatti Village. S.No.39/3C measuring 0.30.50 Hectare
(ie) 75 Cents and bounded by.

East -Land of M.Vellayammal

South -Odai
West -Aruppukkottai to Vathuwarpatti Road
North - Punaji land of M.Muthuraj Naicker

The said land in now Patta No.542

2nd Item

In Virudhunagar Registar District, Pandalkudi Sub Register Office,

Aruppukottai Taluk Podampatti Village. In S.No.39/5 measuring 0.29.50 Ares (ie)
73 Cents in S.No.39/6A measuring 0.25.00 Ares (ie) 35 Cents in totally 0.54.50
Ares 1 (ie) Acre 35 Cents in and bounded by.

West - Punjai land in S.No. 39/3C

North - Punjai land of M.Muthuraj
East - Punjai lands of Pandi and Vaiyammal
South - Punjai land of Kalyani Moopar
The above land in now patta no.543 and 544 respresending
The above 1st and 2nd item totally measuring 2.10Acres.

Second Schedule

1St Item
 3

In Virudhunagar Registar District, Pandalkudi Sub Register Office,

Aruppukottai Taluk Podampatti Village. In S.No. 39/12 measuring 0.39.50 Ares
(ie) 98 Cents and bounded by.

North - Punjai lands of Pakkiyalakshmi and Sundralakshmi,

East - Punjai lands of Pakkiyalakshmi and Sundralakshmi,
South - Punjai lands in S.No. 39/11A, S.No.39/13, and S.No. 39/14,
West - Punjai lands of Karuppana Moopanar.
The said land in now in Patta No.545
2nd Item

In Virudhunagar Registar District, Pandalkudi Sub Register Office,

Aruppukottai Taluk Podampatti Village. in S.No.39/13 Measuring 0.19.50 Ares
(ie) 48 Cents in and bounded by.

North -Punjai land in S.No.39/12

East -Punjai lands of Pakkiyalakshmi, Sundralakshmi
South -Gurusamy Moopar
West -Punjai land in S.No.39/14
The said land in now in Patta No.546

3rd Item

In Virudhunagar Registar District, Pandalkudi Sub Register Office,

Aruppukottai Taluk Podampatti Village. in S.No.39/14 Measuring 0.28.50 Ares
(ie) 70 Cents and bounded by.
South -Punjai land of S.Gurusamy Moopar
North -Punjai land in S.No.39/12
East -Punjai land in S.No.39/13
West -Punaj Land of vaalachinnu Moopar
The said land in now in Patta No.547

7. Complete Details of the documents scrutinized by the advocate:-

Sl. Date Particulars of Documents Scrutinized Remarks
No
.
1) 02.03.198 Registered sale deed executed by Xerox
8 Azhagarsamy Naicker-1, , and his
 4

brother Duraisamy Naicker-2, forself and

as guardian of his minor sons
Dhanushkkodi, Seeni Naicker-2 forself
and as guardian of minor son Marisamy,
Pavunraj s/o. Ramasamy Naicker in
favour of Seethalakshmi
(Doc.No.84/1988)
2) 07.03.198 Registered sale deed executed by Xerox
8 Chellaiah for self and as guardian of his
minor children Manjuladevi, Murugeswari
in favour of Seethalakshmi
(Doc.No.93/1988)
3) 03.03.198 Registered sale deed executed by Xerox
8 Perumal Moopar for self and as guardian
of his minor sons Vel-1, Azhagar-2 in
favour of Seethalakshmi
(Doc.No.89/1988)
4) 02.03.198 Registered sale deed executed by Xerox
8 Muthuraj for self and as guardian of his
minor son Azhagarrajan-1, Jakkaian-2 in
favour of Setthalakshmi
(Doc.No.85/1988)
5) 12.07.201 Registered general power deed executed Xerox
8 by Saravanakumar in favour of his father
Rajagopal (Doc.No.22/2018)
6) 12.07.201 Registered general power deed executed Xerox
8 by Gurushanthi in favour of his father
Rajagopal (Doc.No. 23/2018)
7) 20.08.201 Registered sale deed executed by Xerox
8 Rajagopal, Sivaganesan, Muthukani,
Jaiganesh, Seetharam in favour of
S.Mariyammal (Doc.No.1085/2018)
8) 20.08.201 Registered sale deed executed by Xerox
8 Rajagopal, Sivaganesan, Muthukani,
Jaiganesh, Seetharam in favour of
S.Mariyammal (Doc.No.1086/2018)
9) 30.11.198 Death Certificate of Seethalakshmi Xerox
8
10) 27.02.201 Legal Heriship certificate of Xerox
7 Seethalakshmi
11) 19.04.201 Death Certificate of Sundralakshmi Xerox
4
12) 20.06.201 Legal Heriship certificate of Xerox
4 Sundralakshmi
13) 06.08.201 10 (1) adangal in the name of Xerox
8 Muthukani,Rajagopal, Saravanakumar,
Gurusanthi, Sivaganesh for S.No. 39/13,
39/3C.
14) 13.12.202 10 (1) adangal in the name of Xerox
3 Muthukani,Rajagopal, Saravanakumar,
 5

Gurusanthi, Sivaganesh for S.No.

39/13,39/3C,39/5,39/6A,39/14,39/13,39/1
2
15) 17.11.202 Cultivation Receipt in the name of Xerox
3 R.Mariyammal
16) 17.11.202 Kist Receipt in the name of Xerox
3 R.Mariyammal
17) FMB Sketch Xerox
18) 27.12.202 Online encumbrance certificate for a Online
3 particular periods from 01.01.1987 to Copy
26.12.2023

a. In case of Housing Co.operative Societies,

8. whether NOC from Society is available. Not applicable
b. If in builders possession, whether NOC from
builder is available Not applicable
9. Whether the property is mutated in the name of Yes.
person creating mortgage
10. Whether the property has been notified for Not applicable
acquisition by the Government authorities
Whether up to date paid land revenue/ municipal
11. tax receipts have been verified and it is ensured No
that there are no arrears of land revenue/Municipal
taxes, as the case may be, over the property.
Whether the possession of the property offered as
12. security is in unhindered possession of the More than 6 Years
mortgagor and the period for which he/she is in
such possession.
13. In case of Partition/Settlement deeds Whether No
the original there of is available for deposit.
14. In case of partition deeds, whether the same is No
registered under the law for time being in force.
15. Whether the local laws or any other law restricts No
the creation of the mortgage/ sale of the property
to be mortgage to the Bank.
16. Whether the occupancy right is inheritable and Yes
assignable
17. Whether any restrictive condition is required to No
be mentioned in the mortgage deed
Whether the property is enforceable under
18. SARFAESI No, the security
property is
Agricultural Land
19. Physical search conducted:-
At:Nil For Period :Nil Copy of Search Copy of receipt
report of fee paid
enclosed:-Yes enclosed No
Nature of title: Free hold/Lease-hold/ full
20. ownership rights/occupancy/possession rights or Full ownership
any other tenure.
21 If the property is leasehold property Nil
a. Whether lease deed has been registered as
required under the law Nil
 6

b. Residual period of lease Nil

c. Whether there are any prejudicial clauses
or restrictive covenants in the lease deed No
which is likely to effect the lease hold
interests offered as security
d. Whether the consent/Permission from the No
lessor is required to mortgage the property.
If Yes, whether the permission/consent has
been obtained
e. Whether the property is granted under No
Government grant or any other grant
If Yes please specify if any permission is Not applicable
obtained
22. Encumbrance & Litigations Pending (If Yes, Nil as per the
Mention in detail) Encumbrance
Certificate
Whether minor interest is involved? If yes,
23. explain steps to be taken for creating effective No
mortgage and safeguard the Bank interest.
24 Whether the land holding of the title holder No
affected by land celling legislation in force. If yes,
explain the remedial measures to safeguard the
Bank interest.
25 Opinion on Type of mortgage to be created Registered
Equitable mortgage
26 Complete details of the documents to be Given As below
deposited for creation of valid mortgage
I hereby certify that the title of the said property is clear, marketable, valid
27. and binding on the mortgagor a valid mortgage by way of
Registered Equitable Mortgage can be created by the mortgagor in
favour of the Bank. A valid mortgage by way of Registered Equitable
mortgage can be created by the mortgagor in favour of the Bank.
6. SCHEUDLE OF PROPERTY :
6 Complete or full description of the immovable properties offered as security
for creation of mortgage
i Survey No./ Extent
ii Location like name of the place, Virudhunagar Register District, ,
village, city, registration, sub- Pandalkudi Sub Register Office,
district etc. Aruppukottai Taluk, Podampatti Village
28. Flow of title of the property (13 years/30 years), Given below
should contain how the party acquired the title,
details of parent/link documents etc.,
28) Tracing of Title:-

1 The security property is agriculture land in S.No.39/3C,39/5, 39/6A,

39/12, 39/13, 39/14 at Podampatti Village Aruppukottai Taluk morefully
described above.

2) The land measuring 75 Cents in S.No.39/3C (ie) 1 st item of 1st

Schedule, Measuring 98 Cents in S.No. 39/12 (ie) 1 st item of 2nd schedule
originally and ancestrally belonged to Azhagarsamy Naicker, Duraisamy Naicker,
 7

Seeni Naicker, Ramsamy Naicker. The said Ramasamy had died long back
leaving behind his son Pavunraj as his legal heirs. The said Azhagarsamy
Naicker and his brother Duraisamy Naicker forself and as guardian of minor son
Dhanushkkodi, and his brother Seeni Naicker for self and as guardian of minor
son Marichamy, Pavunraj S/o. Ramasamy Naicker had jointly sold the said
security properties a registered sale deed dated 02.03.1988 in Doc.No.84/1988
to seethalakshmi for valuable consideration (Doc.No.1).

3) The land measuring 73 Cents in S.No.39/5, and 62 cents in S.No.39/6A

(ie) 2nd item of 1st schedule its originally vellaiyammal. The said Vellaiayammal
had died long back leaving behind his son chellaiah as his legal heirs. The said
Chellaiah for self and as guardian of his minor children namely Manjuladevi,
Murugeswari had sold the said land a registered sale deed dated 07.03.1988 in
Doc.No.93/1988 to Seethalakshmi for valuable consideration (Doc.No.2).

4) the land measuring 70 Cents in S.No. 39/14 (ie) 3 rd item of 2nd

schedule its originally and belonged belonged to Perumal Moopar. The said
Perumal Moopar had sold the said land a registered sale deed dated 03.03.1988
in Doc.No.89/1988 to Seethalakshmi for valuable consideration (Doc.No.3).

5) The land Measuring 48 Cents in S.No.39/13 (ie) 2 nd item of 2nd

schedule its originally and ancestrally belonged to Muthuraj. The said Muthuraj
for self and as guardian of his minor sons Azhagarraj, Jakkaiyan had sold the
said land a registered sale deed dated 02.03.1988 in Doc.No. 85/1988 to
seethalakshmi for valuable consideration (Doc.No.4)

6) Hence the said seethalakshmi became the owner of above said

measuring 75 Cents in S.No.39/3C, measuring 73 Cents in S.No.39/5, 62 cents
in S.No.39/6A, 70 Cents in S.No. 39/14, 48 Cents in S.No.39/13 thro” above
doc.no. 1 to 4. While so the said Seethalkshmi had died on 12.11.1988 leaving
behind her children Sundralakshmi and Muthukani as her legal heirs. The Death
and Legal Heirship certificate of Seethalakshmi are produced as Doc.No.9 and
10. The said Sundralakshmi had died on 15.04.2014 leaving behind her children
namely Rajagopal, Saravankumar, Gurusanthi, Sivaganeshan as her Legal heirs.
The Death and Legal Heirship certificate of Sundralakshmi are produced as
Doc.No.11 and 12. The patta was also transferred. The said 10 (1) adangal for
the above said lands (ie)S.No.39/13, 39/3C in th name of Muthukani1, Rajagopal,
 8

Sarvanakumar, Gurusanthi, and Sivagansan. Is produced as Doc.No.13. The

said Saravanakumar had executed a registered general power deed dated
12.07.2018 in Doc.No,23/2018 for valuable consideration (Doc.No.5). The said
Gurushanthi had executed a registered general power deed dated 12.07.2018 in
Doc.No,23/2018 for valuable consideration (Doc.No.6).

7) Similarly the said Muthukani Jaiganesh Seetharaman Rajagopal forself

and as power agent of Saravanakumar, and Gurushanthi, had joinly sold the
security properties (ie) to gathering totally measuring 2 Acres 10 Cents in S.No
39/3C, 39/5, 39/6A a registered sale deed dated 20.08.2018 in Doc.No.
1085/2018 to R.Mariyammal for valuable consideration (Doc.No. 7).
Subsequently the said Muthukani Jaiganesh Seetharaman Rajagopal forself
and as power agent of Saravanakumar, and Gurushanthi, had joinly sold the
security properties (ie) to gathering totally measuring 2 Acres 16 Cents in S.No.
39/12, 39/13, 39/14 a registered sale deed dated 20.08.2018 in
doc.No.1086/2018 to R.Mariyammal for valuable consideration (Doc.No. 8). After
purchase patta also transferred to the name of R.Mariyammal. The said 10 (1)
adangal, Cultivation Agangal, Kist Receipt for the above said lands (ie) security
properties in the name of R.Mariyammal is produced as Doc.No.14 to 16. The
said FMB Sketch for the security properties is produced as Doc.No.17. The title
holder further states that there is no lispendences or encumbrance over the
security property. Hence the said S.Mariyammal W/o. Sakkaraipandi is lawfully
entitled to the security property as absolute owners.

28A) Tracing of Possession:-

The applicant has produced the 10 (1) adangal, Cultivation Agangal, Kist
Receipt as doc.No.14 to 16 to prove possession.
28B) Tracing of Encumbrance:-
The online Encumbrance dated 27.12.2023 for the security is for the
period from 01.01.1987 to 26.12.2023 issued by the SRO Sub Registrar,
Pandalkudi regarding the security property. The said certificate discloses only the
above document No.1 to 4,7 and 8 are discussed with above. Hence there is
no subsisting encumbrance over the security property upto 26.12.2023.
CERTIFICATE
In view of the foregoing, I certify that the title deeds intended to be
deposited, relating to the property and offered as security by way of equitable
mortgage and the documents of title referred to above are perfect evidence of the
 9

title and that if the said equitable mortgage is created in the manner required by
Law, it would satisfy the requirements of creation of equitable mortgage.
In view of the foregoing, I certify that the title deeds intended to be
deposited, relating to the property and offered as security by way of equitable
mortgage and the documents of title referred to above are perfect evidence of the
title and that if the said equitable mortgage is created in the manner required by
Law, it would satisfy the requirements of creation of equitable mortgage.
I further certify that S.Mariyammal W/o. Sakkaraipandi is having clear,
marketable and unencumbered title over the security property stated above.
The mortgage if created will be available to AXIS BANK LTD for the
liability of the intending Borrower
The following documents are required to be deposited for creation of equitable
mortgage:-
Sl. Date Particulars of Documents Scrutinized Remarks
No
.
1) 02.03.198 Registered sale deed executed by Original
8 Azhagarsamy Naicker-1, , and his
brother Duraisamy Naicker-2, forself and
as guardian of his minor sons
Dhanushkkodi, Seeni Naicker-2 forself
and as guardian of minor son Marisamy,
Pavunraj s/o. Ramasamy Naicker in
favour of Seethalakshmi
(Doc.No.84/1988)
2) 07.03.198 Registered sale deed executed by Original
8 Chellaiah for self and as guardian of his
minor children Manjuladevi, Murugeswari
in favour of Seethalakshmi
(Doc.No.93/1988)
3) 03.03.198 Registered sale deed executed by Original
8 Perumal Moopar for self and as guardian
of his minor sons Vel-1, Azhagar-2 in
favour of Seethalakshmi
(Doc.No.89/1988)
4) 02.03.198 Registered sale deed executed by Original
8 Muthuraj for self and as guardian of his
minor son Azhagarrajan-1, Jakkaian-2 in
favour of Setthalakshmi
(Doc.No.85/1988)
5) 12.07.201 Registered general power deed executed Original
8 by Saravanakumar in favour of his father
Rajagopal (Doc.No.22/2018)
6) 12.07.201 Registered general power deed executed Original
8 by Gurushanthi in favour of his father
Rajagopal (Doc.No. 23/2018)
 10

7) 20.08.201 Registered sale deed executed by Original

8 Rajagopal, Sivaganesan, Muthukani,
Jaiganesh, Seetharam in favour of
S.Mariyammal (Doc.No.1085/2018)
8) 20.08.201 Registered sale deed executed by Original
8 Rajagopal, Sivaganesan, Muthukani,
Jaiganesh, Seetharam in favour of
S.Mariyammal (Doc.No.1086/2018)
9) 30.11.198 Death Certificate of Seethalakshmi Xerox
8
10) 27.02.201 Legal Heriship certificate of Xerox
7 Seethalakshmi
11) 19.04.201 Death Certificate of Sundralakshmi Xerox
4
12) 20.06.201 Legal Heriship certificate of Xerox
4 Sundralakshmi
13) 06.08.201 10 (1) adangal in the name of Xerox
8 Muthukani,Rajagopal, Saravanakumar,
Gurusanthi, Sivaganesh for S.No. 39/13,
39/3C.
14) 13.12.202 10 (1) adangal in the name of Online
3 Muthukani,Rajagopal, Saravanakumar, copy
Gurusanthi, Sivaganesh for S.No.
39/13,39/3C,39/5,39/6A,39/14,39/13,39/1
2
15) 17.11.202 Cultivation adangal in the name of T/c.
3 R.Mariyammal
16) 17.11.202 Kist Receipt in the name of Original
3 R.Mariyammal
17) FMB Sketch Xerox
18) 27.12.202 Online encumbrance certificate for a Online
3 particular periods from 01.01.1987 to Copy
26.12.2023

The above documents are required before disbursement of the loan for creating
valid equitable mortgage.
Remarks, if any:- Nil

Date: 01.02.2024 Signature of the Advocate

Place:Srivilliputtur Name:-P.KANNAN`