Appendix – III

Legal Scrutiny Report

TO: The Senior Manager, 03.07.2025

Canara Bank,
Nochiyam Branch,
Perambalur Taluk,
Perambalur District.
Sir,
Legal Scrutiny report issued on the title deeds of Mr.Jayaraman, Son of
Mr.Selladurai, Residing at Door No.83, Post Office Street, Keelakarai Village,
Perambalur Taluk and Perambalur District.
A. Description of the documents scrutinized:

S. Original/
Document Certified
No Date Particulars of the Document
Number / Online/
. Xerox
Copy
Natham U.D.R ‘A’ Register extract for
1).S.F.No.440/22: 00037 Sq.Mts., Stand in
the Names of Mr.Natesan-1, and
Mr.Jayaraman, 2).S.F.No.440/23 : 00092
Sq.Mts., Stand in the Name of True
1. 19.05.1993
Mr.Sellamuthu, 3). S.F.No.440/21: 00032 Copies

Sq.Mts., Stand in the Name of

Mr.Velmurugan, Instead of
Mr.Sellamuthu, Given by V.A.O., of
No.01, Esanai Village, Perambalur Taluk.

1
 Natham Land Tax scheme Adangal
Register extract produced for 1).
S.F.No.440/21: 00032 Sq.Mts., Stand in the
Name of Mr.Velmurugan, 2).
True
2. S.F.No.440/22: 00037 Sq.Mts., Stand in the Copy
Name of Mr.Jayaraman, 3).S.F.No.440/23 :
00092 Sq.Mts., Stand in the Name of
Mr.Sellamuthu, issued by the S.R.O, of
No.01, Esanai Village, Perambalur Taluk.

A Registered Partition deed executed

Doc.No.
between, Mr.Sellamuthu Gounder-1, Son of
1171/1998 Original
3. 20.05.1998 S.R.O., Late.Mr.Sellappa Gounder, and his Son's

Perambalur Mr.Sellappillai-2, Mr.Jayaraman-3,

Mr.Periyasamy-4.
A Registered Partition deed executed
Doc.No.
between, Mr.Sellamuthu Gounder-1, Son of Online
3- 1171/1998
20.05.1998 S.R.O., Late.Mr.Sellappa Gounder, and his Son's Registrat
A.
Perambalur Mr.Sellappillai-2, Mr.Jayaraman-3, ion Copy
Mr.Periyasamy-4.
A Registered Sale deed executed by
Mr.Natesa Gounder-1, Son of Mr.Nallu

Doc.No. Gounder, and his son Mr.Pitchaimani-2, in

1957/2000: favour of Mr.Jayaraman, Son of

4. 26.06.2000 Mr.Sellamuthu Gounder, Regarding the Original
S.R.O.,
Perambalur Property, comprised in Natham
S.F.No.187/1: Ac.12.60 cents, in which 1st
Thakku of 236 Sq.Fts., House plot and 2 nd
Thakku of 182 Sq.Fts., Vacant House Plot.

2
 A Registered Sale deed executed by
Mr.Natesa Gounder-1, Son of Mr.Nallu

Doc.No. Gounder, and his son Mr.Pitchaimani-2, in

Online
4- 1957/2000: favour of Mr.Jayaraman, Son of
26.06.2000 Mr.Sellamuthu Gounder, Regarding the Registrat
A S.R.O.,
Perambalur Property, comprised in Natham ion Copy
S.F.No.187/1: Ac.12.60 cents, in which 1st
Thakku of 236 Sq.Fts., House plot and 2 nd
Thakku of 182 Sq.Fts., Vacant House Plot.

A Registered WILL deed executed by

Doc.No. Mr.Sellamuthu, Son of Mr.Nallu Gounder,

14/2007: in favour of Mr.Natesan-1, and his minor

Xerox
5. 23.02.2007 Son Velmurugan-2, Regarding the
S.R.O., Copy
Perambalur Property, comprised in Natham
S.F.No.187/1: Ac.12.60 cents, 300 Sq.Fts.,
Vacant House Plot.
Death Certificate for Mr.Sellamuthu, Son of Xerox
6. 30.05.2023
Mr.Nallu. Copy

A Registered Sale deed executed by

Mr.Velmurugan, Son of Mr.Natarajan, in
favour of Mr.Jayaraman, Son of
Doc.No. Mr.Sellamuthu, Regarding the property
2466/2024:
S.R.O., comprised in Natham S.F.No.187/1:
7. 22.03.2024 Original
No.1 Joint Hec.5.09.50 Ares, as per Ac.12.60 Cents, in
Perambalur which 345 Sq.Fts., as per 32.05 Sq.Mts.,
Vacant House Plot. As per Natham Land
Tax Scheme S.F.No.440/21: 00032
Sq.Mts.,

3
 A Registered Sale deed executed by
Mr.Velmurugan, Son of Mr.Natarajan, in
favour of Mr.Jayaraman, Son of
Doc.No. Mr.Sellamuthu, Regarding the property
2466/2024: Online
7- comprised in Natham S.F.No.187/1:
22.03.2024 S.R.O., Registrat
A. No.1 Joint Hec.5.09.50 Ares, as per Ac.12.60 Cents, in
ion copy
Perambalur which 345 Sq.Fts., as per 32.05 Sq.Mts.,
Vacant House Plot. As per Natham Land
Tax Scheme S.F.No.440/21: 00032
Sq.Mts.,

A Registered General Power of Attorney

deed executed by Mr.Chinnasamy, Son of
Mr.Chidhambaram Udaiyar, in favour
Doc.No. Mr.Rajavel, Son of Mr.Samidurai,
200/2012: Regarding these schedule of Property, Xerox
7. 17.07.2012 S.R.O.,
comprised in AyanPunja1).Ayan Punja Copy
Perambalur
S.F.No. 388/8: Ac.0.68 Cents, as per
Ac.0.68 Cents.2). S.F.No.388/7B:
Hec.0.26.5 Ares, as per Ac.0.66 Cents, and
some other Properties.
Online Copy of the Computerized
Exclusive Natham Patta issued in the name
Online
of Mr.Jayaraman, Son of Mr.Sellamuthu, Copy
8. Exclusive
Patta situated at Esanai Village 1).S.F.No.
02.07.2025
No.1887 440/21: Hec.0.0.32 Ares, 2).S.F. No.
440/22: Hec.0.0.37 Ares, 3).S.F. No.
440/23: Hec.0.0.92 Ares. Total Hec.0.1.61
Ares.

4
 Natham Land Tax scheme Chitta extract
produced for these schedule properties in
the name of Mr.Jayaraman, Son of
Natham Mr.Sellamuthu, for Esanai Village
True
9. 21.04.2025 Patta 1).S.F.No.440/21 : Hec.0.0.32 Ares, 2).
No.1887 copy
S.F.No.440/22 : Hec.0.0.37 Ares,
3).S.F.No.440/23 : Hec.0.0.92 Ares, Given
by the V.A.O, of No.01, Esanai Village,
Perambalur Taluk.
Natham Land tax scheme clear Adangal
Register extract produced in the name of
Mr.Jayaraman, Son of Mr.Sellamuthu,
Natham
1).S.F.No.440/21 : Hec.0.0.32 Ares, 2). True
10 21.04.2025 Patta
No.1887 S.F.No.440/22 : Hec.0.0.37 Ares, copy
3).S.F.No.440/23 : Hec.0.0.92 Ares, Given
by the V.A.O, of No.01, Esanai Village,
Perambalur Taluk.

The V.A.O., Certificate regarding the

possession, ownership, Valuation and
enjoyment of these schedule properties,
11. 21.04.2025 issued in the name of Loan applicant Original
Mr.Jayaraman, Son of Mr.Sellamuthu,
Given by the V.A.O, of No.01, Esanai
Village, Perambalur Taluk.
FMB produced for the Esanai village, S.F.
True
12. 21.04.2025 No. 440. Given by the V.A.O, of No.01, Copy
Esanai Village, Perambalur Taluk.
Co-relation Statement Certificate, for
these schedule Properties, issued by the
13. 21.05.2025 Original
V.A.O, of No.01, Esanai Village,
Perambalur Taluk.

5
 Approved Blue print copy for the proposed
Construction of R.C.C roofed residential
14. 09.06.2010 building in these schedule properties, in the Original
name of Loan applicant Mr.Jayaraman, Son
of Mr.Selladurai.
Property Tax Receipt produced in the name
of Mr.Velmurugan, Son of Mr.Natarajan, Online
15. 27.01.2025 printed
for the period of 2024-2025, for the Door Copy
No.82, Post Office Street, in ward No.2.
Property Tax Receipt produced in the name
Online
27.01.2025 of Mr.Senthilkumar, Son of Mr.Jayaraman,
16. printed
for the period of 2024-2025, for the Door Copy
No.83, Post Office Street, in ward No.2.
Property Tax Receipt produced in the name
Online
27.01.2025 of Mr.Jayaraman, Son of Mr.Selladurai, for
17. printed
the period of 2024-2025, for the Door Copy
No.84, Post Office Street, in ward No.2.
Ref. Central Register of Securitization Asset Online
18. 02.07.2025 No.:69716 Reconstruction and Security interest of Copy
15722467
India by Public user.
Guide line Value for these schedule
properties for S.F.No.440/21 : for Rs.
Printed
19.
02.07.2025 75/Sq.Fts., S.F.No.440/22 : for Rs. Copy
75/Sq.Fts., S.F.No.440/23 : for Rs.
75/Sq.Fts.

20. E.C No. E.C. from 01.01.1987 to 29.04.2025, for the Online
12.05.2025 150041716 certified
S.F.No.440/21
/2025 copy

21. E.C No. E.C. from 01.01.1987 to 01.07.2025, for the Online
02.07.2025 155676116 certified
S.F.Nos. 187/1, 440/22, 440/23,
/2025 copy
******
B. Description of property/properties:

As per Partition Deed Document No.1171/1998:

6
1 Item Number: 1.
2. Plot Numbers:
. Natham S.F.No.187/1: Ac.12.60 Cents, in which 1031 1/4
Sq.Fts., Vacant house plot in which undivided common share 515
3/4 Sq.Fts., on the Western.
2nd Thakku: 480 Sq.Fts., Vacant House Plot.
3rd Thakku: 304 Sq.Fts., Vacant House plot.
Totaling all are items are 1299 3/4 Sq.Fts., as per 120.68
Survey Sq.Mts.,
3
. Number: And this schedule property comprised in as per as on date Sub-
division S.F.No. 440/23: Hec.0.0.92 Ares, And comprised in
Exclusive Patta No.1887.
Including all the mamool, customary, easementary, and usual
rights.
And this property is situated in Esanai Village Panchayath
Limits, in ward No.2.

4 Door Number:
5 Extent: 1299 3/4 Sq.Fts., as per 120.68 Sq.Mts.,
In Perambalur District, (Previously Ariyalur Registration
District) Now at, Perambalur Registration District, (Previously
6 Location: Perambalur Sub-Registration District), Now at No.1, Joint
Perambalur Sub- Registration District, Perambalur Taluk, and in
Esanai Village limits
Boundaries : for the Natham S.F.No.187/1, Ac.12.60 Cents, in which 1st Item:
East of : North to South common Street,
7 West of : Mr.Ramalingam Plot,
South of : Mr.Natesan Plot,
North of: Tar Road,
Land Measurements an extent 1031 1/4 Sq.Fts, in which undivided
8 Measurements: common share 515 3/4 on the Western Side.
East – West: 27 1/2 ’on the both sides
North – South: 37 1/2 ’ on the both sides
9 Boundaries : for the Natham S.F.No.187/1, Ac.12.60 Cents, in which 2nd Item:
.
East of : Plot belongs to Mr.Natesan, and Mr.Perumal
West of : Plot belongs to Mrs.Selvambal,
South of : Common Lane,

7
 North of: Plot belongs to Mr.Ilaiyaperumal
Land Measurements an extent 480 Sq.Fts,
Measurements:
10 East – West: 24’on the both sides
North – South: 20’ on the both sides

Boundaries : for the Natham S.F.No.187/1, Ac.12.60 Cents, in which 3rd Item:
East of : Plot belongs to Mr.Sellamuthu,
11 West of : Plot belongs to Mr.Muthukrishnan
South of : Plot belongs to Mr.Rajendiran,
North of: Land belongs to Mr.Natesan
Land Measurements an extent 304 Sq.Fts,
Measurements:
12 East – West: 16’on the both sides
North – South: 19’ on the both sides
*******
As per Sale Deed Document No.1957/2000:
1 Item Number: 1.
2. Plot Numbers:
.
Natham S.F.No.187/1: Ac.12.60 Cents, in which
1st Thakku: 236 Sq.Fts., Vacant House Plot.
And in this plot building constructed to the extent of East to
West 9', and North to South 12’, Admeasuring 108 Sq.Fts, Tiled
Roofed House, including all the Doors, windows, electrical goods,
etc, with all the fittings in this house. And E.B Service connection
Survey No.862.
3
. Number: 2nd Thakku: 182 Sq.Fts., Vacant House Plot.
And these schedule properties comprised in as per as on date
Sub-division S.F.No. 440/22: Hec.0.0.37 Ares, And comprised
in Exclusive Patta No.1887.
Including all the mamool, customary, easementary, and usual
rights.
And this property is situated in Esanai Village Panchayath
Limits, in ward No.2.
4 Door Number:
5 Extent: 418 Sq.Fts.,

8
 In Perambalur District, (Previously Ariyalur Registration
District) Now at, Perambalur Registration District, (Previously
6 Location: Perambalur Sub-Registration District), Now at No.1, Joint
Perambalur Sub- Registration District, Perambalur Taluk, and in
Esanai Village limits
Boundaries : for the Natham S.F.No.187/1, Ac.12.60 Cents, in which 1st Item:
East of : North to South common Street,
7 West of : Remaining plot of Mr.Natesan, and Mr.Pitchaimani,
South of : Plot belongs to Mr.Sellamuthu,
North of: Plot belongs to Mr.Jayaraman
Land Measurements an extent 236 Sq.Fts,
8 Measurements:
East – West: 14" 3/4 ’on the both sides
North – South: 16 ’ on the both sides
Boundaries : for the Natham S.F.No.187/1, Ac.12.60 Cents, in which 2nd Item:
East of : Mr.Natesan, and Mr.Pitchaimani Tiled House,
9
West of : Plot belongs to Mr.Natesan,
.
South of : Plot belongs to Mr.Sellamuthu
North of: Plot belongs to Mr.Jayaraman
Land Measurements an extent 182 Sq.Fts,
Measurements:
10 East – West: 13’on the both sides
North – South: 14’ on the both sides

9
As per Partition Deed Document No.2466/2024:
1 Item Number: 1.
2. Plot Numbers:
. Natham S.F.No.187/1: Ac.12.60 Cents, in which From 300
Sq.Fts., Vacant House as per as on date 345 Sq.Fts., equaling to
32.05 Sq.Mts.,
And this schedule property comprised in as per as on date Sub-
Survey
3 division S.F.No. 440/21: Hec.0.0.32 Ares, And comprised in
. Number:
Exclusive Patta No.1887.
Including all the mamool, customary, easementary, and usual
rights.
And this property is situated in Esanai Village Panchayath
Limits.
4 Door Number:
5 Extent: 345 Sq.Fts., as per 32.05 Sq.Mts.,
In Perambalur District, (Previously Ariyalur Registration
District) Now at, Perambalur Registration District, (Previously
6 Location: Perambalur Sub-Registration District), Now at No.1, Joint
Perambalur Sub- Registration District, Perambalur Taluk, and in
Esanai Village limits
Boundaries :
East of : North to South Cement Street,
7 West of : Mr.Selvaraj, son of Mr.Poomalai Padaiyachi House,
South of : Mr.Jayaraman House,
North of: Mr.Perumal House,
Land Measurements an extent From 300 Sq.Fts., Vacant House as per
Measurements: as on date 345 Sq.Fts., equaling to 32.05 Sq.Mts.,
8
East – West: 30 ’on the both sides
12' on the Eastern Side
North – South:
11' on the Western Side

10
C. Tracing of Party’s Title for the last 13/30 Years:
I have examined the documents filed by the proposed Mortgagors which is
in the name of Title Holder namely: Mr.Jayaraman, Son of Mr.Selladurai, Residing
at Door No.83, Post Office Street, Keelakarai Village, Perambalur Taluk and
Perambalur District.
These schedule properties are situated in Perambalur District, Perambalur
Taluk, Esanai Village limit, and comprised in 1).S.F.No.440/22: 00037 Sq.Mts.,
Stand in the Names of Mr.Natesan-1, and Mr.Jayaraman, 2).S.F.No.440/23 :
00092 Sq.Mts., Stand in the Name of Mr.Sellamuthu, 3). S.F.No.440/21: 00032
Sq.Mts., Stand in the Name of Mr.Velmurugan, Instead of Mr.Sellamuthu, They
were inherited these properties from their ancestors, and then they were in
possession and enjoyment of their respective properties with all the rights, as per
their ownership and possession, their name was mutated in the revenue registries
as owners of their properties, these survey was taken and printed on 19.05.1993,
and on that date Government has prepared Natham UDR 'A' register for these
survey numbers. The True Copies of the Natham UDR 'A' Register is produced as
document No.1, herewith.
As per Natham Land Tax scheme Adangal Register extract produced for 1).
S.F.No.440/21: 00032 Sq.Mts., Stand in the Name of Mr.Velmurugan, 2).
S.F.No.440/22: 00037 Sq.Mts., Stand in the Name of Mr.Jayaraman,
3).S.F.No.440/23 : 00092 Sq.Mts., Stand in the Name of Mr.Sellamuthu, Given by
the S.R.O, of No.01, Esanai Village, Perambalur Taluk. The True copy of the
Natham Land Tax Scheme Adangal Register extract is produced as document
No.2.
And then that they said Mr.Sellamuthu Gounder-1, Son of Late.Mr.Sellappa
Gounder, and his Son's Mr.Sellappillai-2, Mr.Jayaraman-3, Mr.Periyasamy-4,
have entered into registered partition deed, in this partition deed they are all
signatories. The Partition deed dated. 20.05.1998, under the registered document
No. 1171/1998. Duly registered in the Perambalur Sub-registrar office, in the
presence of witnesses, and executed, attested, and registered as per law. The
Original Partition deed is produced as document No.3.
As per the Partition deed, they said Mr.Jayaraman is allotted the “C”
Schedule of properties. And other properties are allotted respectively to other
signatories.

11
 The online certified copy of the partition deed is produced as document
No.3-A. (I have compared both original and certified copy of the Partition deeds;
there are no corrections, omissions, or discrepancies in these documents).
And then Mr.Natesa Gounder-1, Son of Mr.Nallu Gounder, and his son
Mr.Pitchaimani-2, had executed the registered sale deed, in favour of Loan
applicant Mr.Jayaraman, Son of Mr.Sellamuthu Gounder, Regarding the Property,
comprised in Natham S.F.No.187/1: Ac.12.60 cents, in which 1st Thakku of 236
Sq.Fts., House plot and 2nd Thakku of 182 Sq.Fts., Vacant House Plot, Dated.
26.06.2000, duly registered under the registered document No. 1957/2000, duly
registered in the Perambalur Sub-registrar office, for the valuable sale
consideration, and this sale deed was duly executed, attested by witnesses, and
registered as per law, and this sale deed is valid in the eye of law. The Original sale
deed is produced as document No.4, herewith
The online Registration copy of the Sale deed is produced as document
No.4-A, herewith, I have compared both original and registration copy, both are
same, there is no omission, or correction, or discrepancies in these documents.
And then on 23.02.2007, Mr.Sellamuthu, Son of Mr.Nallu Gounder, had
executed the Registered WILL in favour of Mr.Natesan-1, and his minor Son
Velmurugan-2, under the registered document No. 14/2007, duly registered in the
Perambalur S.R.Office. The Xerox Copy of the WILL deed is produced as
document No.5.
This one is the last WILL of Mr.Sellamuthu, and then he died 26.02.2007,
The Xerox copy of the death certificate is produced as document No.6, herewith.
As per the WILL Velmurugan, took possession of the “WILL” mentioned
property. And he got his name is mutated in the revenue registries.
And then Mr.Velmurugan, Son of Mr.Natarajan, had executed the
registered sale deed, in favour of Loan applicant Mr.Jayaraman, Son of
Mr.Sellamuthu, Regarding the property comprised in Natham S.F.No.187/1:
Hec.5.09.50 Ares, as per Ac.12.60 Cents, in which 345 Sq.Fts., as per 32.05
Sq.Mts., Vacant House Plot, Dated. 22.03.2024, duly registered under the
registered document No. 2466/2024, duly registered in the Perambalur No.1, Joint
Sub-registrar office, for the valuable sale consideration, and this sale deed was
duly executed, attested by witnesses, and registered as per law, and this sale deed is
valid in the eye of law. The Original sale deed is produced as document No.7,
herewith

12
 The online Registration copy of the Sale deed is produced as document
No.7-A, herewith, I have compared both original and registration copy, both are
same, there is no omission, or correction, or discrepancies in these documents.
And then as per sale deed, Mr.Jayaraman took separate possession, from his
vendors, and then he becomes owner for his purchased properties, and he got the
absolute rights, and enjoyment over his purchased properties, and he got her name
is mutated in the revenue registries and he got exclusive patta in his name for the
entire schedule properties for the Natham Patta No.1887.
*********
Evidence of Possession:
Document No.8: Applicant has produced the Online Copy of the Exclusive
Natham Patta issued in the name of Mr.Jayaraman, Son of Mr.Sellamuthu,
situated at Esanai Village 1).S.F.No. 440/21: Hec.0.0.32 Ares, 2).S.F. No.
440/22: Hec.0.0.37 Ares, 3).S.F. No. 440/23: Hec.0.0.92 Ares. Total Hec.0.1.61
Ares., for the Exclusive Patta No.1887.
Document No.9: Applicant has produced the True Copy of the Natham
Land Tax scheme Chitta extract produced for these schedule properties in the name
of Mr.Jayaraman, Son of Mr.Sellamuthu, for Esanai Village 1).S.F.No.440/21 :
Hec.0.0.32 Ares, 2). S.F.No.440/22: Hec.0.0.37 Ares, 3).S.F.No.440/23 :
Hec.0.0.92 Ares, for the Exclusive Patta No.1887. Given by the V.A.O, of No.01,
Esanai Village, Perambalur Taluk.
Document No.10: Applicant has produced the True Copy of the Natham
Land tax scheme clear Adangal Register extract produced in the name of
Mr.Jayaraman, Son of Mr.Sellamuthu, 1).S.F.No.440/21 : Hec.0.0.32 Ares, 2).
S.F.No.440/22 : Hec.0.0.37 Ares, 3).S.F.No.440/23 : Hec.0.0.92 Ares, for the
Exclusive Patta No.1887. Given by the V.A.O, of No.01, Esanai Village,
Perambalur Taluk.
Document No.11: Applicant has also produced the Original V.A.O.,
Certificate regarding the possession, ownership, Valuation and enjoyment of
these schedule properties, issued in the name of Loan applicant Mr.Jayaraman,
Son of Mr.Sellamuthu, Given by the V.A.O, of No.01, Esanai Village,
Perambalur Taluk.
Document No.12: Applicant has also produced the Original Co-relation
Statement Certificate, for these schedule Properties, issued by the V.A.O, of
No.01, Esanai Village, Perambalur Taluk.

13
 Document No.13, is the F.M.B. is produced for Esanai Village S.F. No. 440,
to locate and identify these schedule properties.
After that Mr.Jayaraman, Son of Mr.Selladurai, wants to construct a
residential house in these schedule properties, for that they have applied for the
Blue Print approval from the Government, after perusing all the records, by its
Proceedings, the President Panchayath Board Keelakarai.
Document No.14: Applicant has produced the Online Scanned copy of
the Approved Blue Print copy, herewith.
Document No.15: Applicant has produced the Online printed copy of the
Property Tax Receipt produced in the name of Mr.Senthilkumar, Son of
Mr.Jayaraman, for the period of 2024-2025, for the Door No.83, Post Office
Street, in ward No.2.
Document No.16: Applicant has produced the Online printed copy of the
Property Tax Receipt produced in the name of Mr.Velmurugan, Son of
Mr.Natarajan, for the period of 2024-2025, for the Door No.82, Post Office
Street, in ward No.2.
Document No.17: Applicant has produced the Online printed copy of the
Property Tax Receipt produced in the name of Mr.Jayaraman, Son of
Mr.Selladurai, for the period of 2024-2025, for the Door No.84, Post Office
Street, in ward No.2.
All these documents are very clearly shows that the property is in
possession and enjoyment of the Loan applicant Mr.Jayaraman, Son of
Mr.Selladurai.
Online copy of the CERSAI details is produced as document No.18.
Whether any mortgage/charge are created against the property under CERSAI
(Yes/No).No
Furthermore with regard to CERSAI Report dated. 02.07.2025, is stated
that the Asset of the property under scrutiny has not been subjected to any
encumbrance and the property under scrutiny is having freehold right and the
same was verified and found correct with connected records.(Ref.No.:
6971615722467).
The Guide line value of the property is produced by this applicant for this
schedule property comprised in S.F.No.440/21, S.F.No.440/22 and
S.F.No.440/23: As per the Guide line value all of Rs. 75/Sq.Fts. The online
printed copy is produced as document No.19, herewith.
*******
14
 V).ENCUMBRANCE:-
Document No. 19: Encumbrance Certificate No. 150041716/2025, Dt.
12.05.2025, from 01.01.1987 to 29.04.2025, for these schedule properties, for
S.F.No.440/21, there is only one entry is found in this encumbrance certificate.
This entry is related with Sale deed, executed by Mr.Velmurugan, in
favour of Loan applicant Mr.Jayaraman. already we have discussed as document
No.8.
There is no other entry is found in the encumbrance certificate, this entry is
reveals that these properties are free from encumbrance.
******
Document No. 20: Encumbrance Certificate No. 155676116/2025, Dt. 02.07.2025,
from 01.01.1987 to 01.07.2025, for these schedule properties, for the S.F.Nos.
187/1, 440/22, 440/23, there are two entries are found in this encumbrance
certificate.
The 1st entry is related with Partition deed, executed between,
Mr.Sellamuthu Gounder-1, Son of Late.Mr.Sellappa Gounder, and his Son's
Mr.Sellappillai-2, Mr.Jayaraman-3, Mr.Periyasamy-4. already we have discussed as
document No.3.
The 2nd entry is related with Sale deed, executed by Mr.Natesa Gounder
and Mr.Pitchamani, in favour of Loan applicant Mr.Jayaraman. already we have
discussed as document No.7.
There is no other entry is found in the encumbrance certificate, this entry is
reveals that these properties are free from encumbrance.
******

V).OPINION:
This is certify after making search in the available documents, This
schedule property mentioned in the Para –II is got by the applicant, through
Registered partition deed, Sale deeds. All the revenue records are stands in the
name of applicant Mr.Jayaraman, Son of Mr.Sellamuthu, Applicant has got clear,
valid and absolute, marketable title over these schedule properties. Applicant /
Title Holder Mr.Jayaraman, Son of Mr.Sellamuthu,, can create an Equitable
Mortgage, by way of depositing their Original Title deeds mentioned in Para I, of
the legal scrutiny report, they have to deposit with the Canara Bank along with all
the list of documents mentioned above. There is no minor’s interest over these
properties. And these properties can be enforceable under SARFAESI ACT.

15
 D. The documents to be deposited (Original/Certified/Online/Xerox) for
creation of valid and enforceable mortgage:

S. Original/
Document Certified
No Date Particulars of the Document
Number / Online/
. Xerox
Copy
Natham U.D.R ‘A’ Register extract for
1).S.F.No.440/22: 00037 Sq.Mts., Stand in
the Names of Mr.Natesan-1, and
Mr.Jayaraman, 2).S.F.No.440/23 : 00092
Sq.Mts., Stand in the Name of True
1. 19.05.1993
Mr.Sellamuthu, 3). S.F.No.440/21: 00032 Copies

Sq.Mts., Stand in the Name of

Mr.Velmurugan, Instead of
Mr.Sellamuthu, Given by V.A.O., of
No.01, Esanai Village, Perambalur Taluk.

Natham Land Tax scheme Adangal

Register extract produced for 1).
S.F.No.440/21: 00032 Sq.Mts., Stand in the
Name of Mr.Velmurugan, 2).
True
2. S.F.No.440/22: 00037 Sq.Mts., Stand in the Copy
Name of Mr.Jayaraman, 3).S.F.No.440/23 :
00092 Sq.Mts., Stand in the Name of
Mr.Sellamuthu, issued by the S.R.O, of
No.01, Esanai Village, Perambalur Taluk.

A Registered Partition deed executed

Doc.No.
between, Mr.Sellamuthu Gounder-1, Son of
1171/1998 Original
3. 20.05.1998 S.R.O., Late.Mr.Sellappa Gounder, and his Son's

Perambalur Mr.Sellappillai-2, Mr.Jayaraman-3,

Mr.Periyasamy-4.
A Registered Partition deed executed
Doc.No.
between, Mr.Sellamuthu Gounder-1, Son of Online
3- 1171/1998
20.05.1998 S.R.O., Late.Mr.Sellappa Gounder, and his Son's Registrat
A.
Perambalur Mr.Sellappillai-2, Mr.Jayaraman-3, ion Copy
Mr.Periyasamy-4.

16
 A Registered Sale deed executed by
Mr.Natesa Gounder-1, Son of Mr.Nallu

Doc.No. Gounder, and his son Mr.Pitchaimani-2, in

1957/2000: favour of Mr.Jayaraman, Son of

4. 26.06.2000 Mr.Sellamuthu Gounder, Regarding the Original
S.R.O.,
Perambalur Property, comprised in Natham
S.F.No.187/1: Ac.12.60 cents, in which 1st
Thakku of 236 Sq.Fts., House plot and 2 nd
Thakku of 182 Sq.Fts., Vacant House Plot.

A Registered Sale deed executed by

Mr.Natesa Gounder-1, Son of Mr.Nallu

Doc.No. Gounder, and his son Mr.Pitchaimani-2, in

Online
4- 1957/2000: favour of Mr.Jayaraman, Son of
26.06.2000 Mr.Sellamuthu Gounder, Regarding the Registrat
A S.R.O.,
Perambalur Property, comprised in Natham ion Copy
S.F.No.187/1: Ac.12.60 cents, in which 1st
Thakku of 236 Sq.Fts., House plot and 2 nd
Thakku of 182 Sq.Fts., Vacant House Plot.

A Registered WILL deed executed by

Doc.No. Mr.Sellamuthu, Son of Mr.Nallu Gounder,

14/2007: in favour of Mr.Natesan-1, and his minor

Xerox
5. 23.02.2007 Son Velmurugan-2, Regarding the
S.R.O., Copy
Perambalur Property, comprised in Natham
S.F.No.187/1: Ac.12.60 cents, 300 Sq.Fts.,
Vacant House Plot.
Death Certificate for Mr.Sellamuthu, Son of Xerox
6. 30.05.2023
Mr.Nallu. Copy

17
 A Registered Sale deed executed by
Mr.Velmurugan, Son of Mr.Natarajan, in
favour of Mr.Jayaraman, Son of
Doc.No. Mr.Sellamuthu, Regarding the property
2466/2024:
S.R.O., comprised in Natham S.F.No.187/1:
7. 22.03.2024 Original
No.1 Joint Hec.5.09.50 Ares, as per Ac.12.60 Cents, in
Perambalur which 345 Sq.Fts., as per 32.05 Sq.Mts.,
Vacant House Plot. As per Natham Land
Tax Scheme S.F.No.440/21: 00032
Sq.Mts.,
A Registered Sale deed executed by
Mr.Velmurugan, Son of Mr.Natarajan, in
favour of Mr.Jayaraman, Son of
Doc.No. Mr.Sellamuthu, Regarding the property
2466/2024: Online
7- comprised in Natham S.F.No.187/1:
22.03.2024 S.R.O., Registrat
A. No.1 Joint Hec.5.09.50 Ares, as per Ac.12.60 Cents, in
ion copy
Perambalur which 345 Sq.Fts., as per 32.05 Sq.Mts.,
Vacant House Plot. As per Natham Land
Tax Scheme S.F.No.440/21: 00032
Sq.Mts.,

A Registered General Power of Attorney

deed executed by Mr.Chinnasamy, Son of
Mr.Chidhambaram Udaiyar, in favour
Doc.No. Mr.Rajavel, Son of Mr.Samidurai,
200/2012: Regarding these schedule of Property, Xerox
7. 17.07.2012 S.R.O.,
comprised in AyanPunja1).Ayan Punja Copy
Perambalur
S.F.No. 388/8: Ac.0.68 Cents, as per
Ac.0.68 Cents.2). S.F.No.388/7B:
Hec.0.26.5 Ares, as per Ac.0.66 Cents, and
some other Properties.

18
 Online Copy of the Computerized
Exclusive Natham Patta issued in the name
Online
of Mr.Jayaraman, Son of Mr.Sellamuthu, Copy
8. Exclusive
Patta situated at Esanai Village 1).S.F.No.
02.07.2025
No.1887 440/21: Hec.0.0.32 Ares, 2).S.F. No.
440/22: Hec.0.0.37 Ares, 3).S.F. No.
440/23: Hec.0.0.92 Ares. Total Hec.0.1.61
Ares.
Natham Land Tax scheme Chitta extract
produced for these schedule properties in
the name of Mr.Jayaraman, Son of
Natham Mr.Sellamuthu, for Esanai Village
True
9. 21.04.2025 Patta 1).S.F.No.440/21 : Hec.0.0.32 Ares, 2).
No.1887 copy
S.F.No.440/22 : Hec.0.0.37 Ares,
3).S.F.No.440/23 : Hec.0.0.92 Ares, Given
by the V.A.O, of No.01, Esanai Village,
Perambalur Taluk.
Natham Land tax scheme clear Adangal
Register extract produced in the name of
Mr.Jayaraman, Son of Mr.Sellamuthu,
Natham
1).S.F.No.440/21 : Hec.0.0.32 Ares, 2). True
10 21.04.2025 Patta
No.1887 S.F.No.440/22 : Hec.0.0.37 Ares, copy
3).S.F.No.440/23 : Hec.0.0.92 Ares, Given
by the V.A.O, of No.01, Esanai Village,
Perambalur Taluk.

The V.A.O., Certificate regarding the

possession, ownership, Valuation and
enjoyment of these schedule properties,
11. 21.04.2025 issued in the name of Loan applicant Original
Mr.Jayaraman, Son of Mr.Sellamuthu,
Given by the V.A.O, of No.01, Esanai
Village, Perambalur Taluk.
FMB produced for the Esanai village, S.F.
True
12. 21.04.2025 No. 440. Given by the V.A.O, of No.01, Copy
Esanai Village, Perambalur Taluk.

19
 Co-relation Statement Certificate, for
these schedule Properties, issued by the
13. 21.05.2025 Original
V.A.O, of No.01, Esanai Village,
Perambalur Taluk.
Approved Blue print copy for the proposed
Construction of R.C.C roofed residential
14. 09.06.2010 building in these schedule properties, in the Original
name of Loan applicant Mr.Jayaraman, Son
of Mr.Selladurai.
Property Tax Receipt produced in the name
of Mr.Velmurugan, Son of Mr.Natarajan, Online
15. 27.01.2025 printed
for the period of 2024-2025, for the Door Copy
No.82, Post Office Street, in ward No.2.
Property Tax Receipt produced in the name
Online
27.01.2025 of Mr.Senthilkumar, Son of Mr.Jayaraman,
16. printed
for the period of 2024-2025, for the Door Copy
No.83, Post Office Street, in ward No.2.
Property Tax Receipt produced in the name
Online
27.01.2025 of Mr.Jayaraman, Son of Mr.Selladurai, for
17. printed
the period of 2024-2025, for the Door Copy
No.84, Post Office Street, in ward No.2.
Ref. Central Register of Securitization Asset Online
18. 02.07.2025 No.:69716 Reconstruction and Security interest of Copy
15722467
India by Public user.
Guide line Value for these schedule
properties for S.F.No.440/21 : for Rs.
Printed
19.
02.07.2025 75/Sq.Fts., S.F.No.440/22 : for Rs. Copy
75/Sq.Fts., S.F.No.440/23 : for Rs.
75/Sq.Fts.

20. E.C No. E.C. from 01.01.1987 to 29.04.2025, for the Online
12.05.2025 150041716 certified
S.F.No.440/21
/2025 copy

21. E.C No. E.C. from 01.01.1987 to 01.07.2025, for the Online
02.07.2025 155676116 certified
S.F.Nos. 187/1, 440/22, 440/23,
/2025 copy

20
E. Whether any mortgage/charge was created against the property under
CERSAI? No.
F. Whether the property documents are verified/validated online? (applicable
in those states where online validation system of property documents is
available) – YES.
 If Yes, details of such online verification.
Whether proof of the
Date &
Description of property document
Reference No.
Sl. Date of the property verified online, enclosed
of the
No. verification document along with the list of
document
verified online documents verified?
verified
(Yes/No)
20.05.1998 &
02.07.2025 Schedule of
1. Document Yes
. properties
No.: 1171/1998

26.06.2000 &
02.07.2025 Schedule of
2. Document Yes
. properties
No.: 1957/2000

22.03.2024 &
02.07.2025 Schedule of
3. Document Yes
. properties
No.: 2466/2024

G. Whether the property mortgaged/to be mortgaged has been allotted Unique

Land Parcel Identification Number (U L P I N) and whether the same is
verified/validated online? (applicable in those states where U L P I N for land
parcels is made available) – NO.
i. a) If Yes, details of such ULPIN verification.

b) If No, specify the reasons.

ii. a) If Yes as per point (i) above, then such U L P I N details are in conformity
with the mortgage documents?

b) If No, specify the reasons for non-conformity?

H. a) Whether the party has an absolute, clear and marketable title over the
Properties proposed to be mortgaged?
Yes, these parties have an absolute, clear, marketable title with salable interest
over these properties.

b) Whether the party can execute valid simple/equitable mortgage in favor of

the Bank?

Yes this loan applicant can execute a valid Equitable Mortgage in favour of the
Bank.

21
 c) Whether any of the property intended to be given by way of mortgage is
subject to any minor's or any other claims?

There is no minor interest, or shares involved in these schedule properties.

I. Certificate:
I have gone through the original title deeds intended to be deposited relating
to the properties and offered as security by way of equitable mortgage and that
the documents of title referred to above are perfect evidence of title and that if
the said equitable mortgage is created are deposited in the manner required by
law, it will satisfy the requirements of creation of Simple/Equitable Mortgage
and I further certify that:
1. I have made a search in the land/revenue records through manual
mode/online mode and do not find any adverse features, which would
prevent the titleholders from creating a valid mortgage.

2. I have visited the Registrar/Sub-Registrar’s Office on 02.07.2025 and

verified the records/details of the Properties belonging to applicant. (in case
of third party property).*

3. There are no prior mortgages/charges whatsoever as could be seen from the

Encumbrance Certificate for the period from 01.01.1987 to 01.07.2025
pertaining to the immovable property/ies covered by the above said title
deeds.

4. There are prior mortgages/charges to the extent of Nil which are liable to be
cleared or satisfied by complying with the following: There are prior
mortgages/charges to the extent : NIL

a. There are claims from minors and their interest in the property is to the extent
of? (Specify the share of minor/s with name) Nil.
b. The un-division share of the minor/s is? (Specify the share) Nil.

c. The property/ies is/are subject to the payment of Rs. 0/- (Specify the liability
that is fastened on the property/ies) this is not subject to any payment.

d. Provisions of Urban Land Ceiling Act are not applicable/permission obtained?

Not Applicable.

e. Holding/acquisition is in accordance with the provisions of Land Reforms

Act? Not Applicable.
The mortgage if created will be available to the Bank for the liability of the
intending borrower Mr.Jayaraman, Son of Mr.Sellamuthu,,
I certify that Mr.Jayaraman, Son of Mr.Sellamuthu,, have a valid and marketable
title in the property/ies shown above.
22
Place: Perambalur. G.Babu
Date: 03.07.2025. Advocate

Appendix – II
Checklist for the Guidance of the Advocates for Submission of Legal Scrutiny
Report
Sl.
No Particulars Remark
.
Nature of Title (Ownership/Leasehold/Occupancy/Govt.
1. Ownership
Grant/Allotments etc.,
If Leasehold, Whether:
Not
a. Lease deed is duly stamped and registered?
Applicable
Not
b. Lessee is permitted to mortgage the Leasehold right?
Applicable
2.
Not
c. Duration of the Lease/Unexpired period of Lease?
Applicable
d. If, a sub-lease, check the Lease deed in favor of Lessee
Not
as to whether Lease deed permits sub-leasing and
Applicable
mortgage by sub-lessee also?
If Govt. Grant/Allotment/Lease cum Sale Agreement, Whether:
a. Grant/agreement etc., provides for alienable rights to the Not
3. mortgagor with or without conditions? Applicable
b. The mortgagor is competent to create charge on such Not
property? Applicable
If, Occupancy right, Whether:
Not
a. Such right is heritable and transferable?
4. Applicable
Not
b. Mortgage can be created?
Applicable
a. Whether provisions of Urban Land Ceiling Act Not
applicable/permission obtained? Applicable
b. Whether N O C under Income Tax Act is required / Not
5.
obtained? Applicable
c. Whether records with the Registrar of Assurances Not
verified (if applicable)? Applicable
Whether there are claims from Minor/s and his/their interest in
6. No
the property/ies. Specify the share of Minor/s with name?
In case of Agricultural Land, the position regarding creation Not
7.
and enforceability with regard to local laws? Applicable
In case of conversion of Agricultural land for commercial
Not
8. purposes, whether requisite procedure/permissions complied
Applicable
with/obtained?
9. a. In case the partition/settlement deeds, whether original Not
deed is available for deposit. If not the Applicable.
modality/procedure to be followed to create a valid
mortgage?

23
 Yes,
b. Whether mutation has been effected and the mortgagor mortgagor
is in possession and enjoyment of his share? name is
mutated.
Not
c. Whether the partition is valid in law?
Applicable
a. In case of Partnership Firm, whether the property Not
belongs to the Firm and registered? Applicable
10.
b. Whether the person/s creating the mortgage has/have the Not
authority to execute on behalf of the Firm? Applicable
In case of Limited Companies, verify the Borrowing Power
Resolution, authority to create mortgage/execution of Not
11.
documents, any prior charges with R O C, M O A/A O A, Applicable
provision for common seal etc.,?
In case of Societies/Associations, verify requisite resolutions, Not
12.
bye laws, powers to borrow, encumbrances etc.? Applicable
In case P O A holder, verify the genuineness of P O A and the
extent of powers. Whether the P O A is properly executed / Not
13.
stamped/ authenticated/enforceable as per the Law of the applicable
place?
14. If the property is a flat/apartment or residential/commercial complex, verify:
Not
a. Promoter’s/Land owner’s title to the land/building?
Applicable
b. Whether the flats are developed by the Land owner or Not
constructed on joint development basis? Applicable
Not
c. Development agreement/P O A?
Applicable
Not
d. Extent of Authority of the Developer/Builder?
Applicable
e. Whether the construction is approved by the competent Not
authority? Applicable
f. Independent title verification of the land or building in Not
question? Applicable
Not
g. Agreement of sale (duly registered)?
Applicable
Not
h. Whether it is a second/subsequent sale?
Applicable
Not
i. Payment of proper stamp duty?
Applicable
j. Conveyance in favour of the Society/Condominium Not
concerned? Applicable
k. Occupancy certificate/allotment letter/letter of Not
possession? Applicable
Not
l. Membership details in the Society etc?
Applicable
Not
m. Share certificates?
Applicable
Not
n. N O C from the Society?
Applicable
o. Latest maintenance charges paid receipt from Society? Not
Applicable

24
 p. Whether proportionate share in land is transferred to the Not
mortgagor? Applicable
q. Documents evidencing possession such as Telephone Not
Bill, Electricity Bill, Tax paid receipt etc? Applicable
r. Other legal requirements under the local/municipal laws
Not
with regard to ownership of flats/apartments/building
Applicable
regulations, Society laws etc.,
In case of joint family property and mortgage created for
family benefit/legal necessity, verify whether major co- Not
15.
parceners have no objection, joined in execution, rights of Applicable
female members, minor’s shares etc.,?
Genealogical tree is to be drawn up wherever the title has been Not
16.
acquired by succession? Applicable
Pending Litigations/Court Attachments/Injunction/Stay
17. Nil
Orders/ acquisition by the Govt./Local Authorities etc., if any?
Any other matters affecting the proposed creation of mortgage
18. NO
not covered elsewhere?

Place:Perambalur. G.Babu
Date:03.07.2025. Advocate

25
 Appendix – VI
Certificate
Inspection/Verification of Records of Landed Property at
Registrar/Sub-Registrar’s Office, No.1 Joint Perambalur
TO:
The Chief Manager,
Canara Bank,
Nochiyam Branch,
Perambalur Taluk,
Perambalur District
Dear Sir,
Sub: Verification of records of landed property at Registrar/Sub-Registrar’s Office,
No.1 Joint Perambalur.
*****
This is to confirm that I have visited the Registrar/Sub-Registrar’s Office at
Perambalur on 02.07.2025 and verified the details of the property standing in the
name of Mr.Jayaraman, Son of Mr.Selladurai, Residing at Door No.83, Post Office
Street, Keelakarai Village, Perambalur Taluk and Perambalur District..
*****
The property details are as under:

1 Item Number: 2.
2. Plot 324 and 349
. Numbers: Ayan Punja1).S.F. No. 388/8: Hec.0.27.50 Ares, as per Ac.0.68
Cent, 2).S.F.No. 388/7B: Hec.0.26.50 Ares, as per Ac.0.66
Cents.
Totaling both are items are Hec.0.54.00 Ares, as per Ac.1.34
Survey Cents, These properties had been divided into house plots, and
3
. Number: formed the layout, and named as “SRI
MADURAKALIYAMMAN NAGAR-II” in this layout these
schedule properties comprised in Plot Nos.324 and 349.
And these schedule properties comprised in as per as on date
Sub-division 1).S.F.No. 388/32: Hec.0.0.93 Ares, 2).S.F. No.
388/33: Hec.0.1.86 Ares. And comprised in Exclusive Patta

26
 Door
4 Number: Not applicable

5 Extent: 3000 Sq.Fts., as per 278.71 Sq.Mts.,

In Perambalur District, (Previously Ariyalur Registration
District) Now at, Perambalur Registration District, (Previously
Perambalur Sub-Registration District), Now at No.1, Joint
Perambalur Sub- Registration District, Perambalur Taluk, and in
Siruvachur Village limits, Ayan Punja 1).S.F. No. 388/8:
Hec.0.27.50 Ares, as per Ac.0.68 Cent, 2).S.F.No. 388/7B:
Hec.0.26.50 Ares, as per Ac.0.66 Cents.
Totaling both are items are Hec.0.54.00 Ares, as per Ac.1.34
Cents, These properties had been divided into house plots, and
formed the layout, and named as “SRI
MADURAKALIYAMMAN NAGAR-II” in this layout these
6 Location:
schedule properties comprised in Plot Nos.324 and 349.
The above said properties are comprised in Old Patta
Nos.3273 and 80, for the S.F.No.388/7B1A1A1A1A: Hec.0.21.75
Ares, and S.F.No.388/8A1A1A: Hec.0.23.09 Ares.
And Now these properties comprised in As per as on date Sub-
division, New ).S.F.No. 388/32: Hec.0.0.93 Ares, 2).S.F. No.
388/33: Hec.0.1.86 Ares. And comprised in Exclusive Patta
No.4773.
Including all the mamool, customary, easementary, and usual
rights.
And these properties are situated in Siruvachur Village
Panchayath Limits.
Boundaries :
East of : Plot No.323,
West of : Plot No.350,
7
South of : Plot Nos.325, and 348,
North of: East to West Pathway,
Land Measurements an extent 3000 Sq.Fts, equaling 278.71 Sq.Mts.
Measurement
East
s: – West: 50’on the both sides
8
North –
60’ on the both sides
South:

27
 *******
Further, I Certify as under:

1. That I have verified the certified copy of material title deeds, i.e., Deed No.:
4425/2023, dated 28.06.2023etc., from the Office of Registrar/Sub-Registrar
and confirm that the original deed available with the Bank is/are genuine.

2. That there are no prior charges over the said properties and Mr.Jayaraman, Son
of Mr.Sellamuthu, is the absolute owners of the said properties as per the
records available and verified by me in the Registrar/Sub-Registrar’s Office.
Or

3. That as per the records available at Registrar/Sub-Registrar’s Office the

property is mortgaged /charged to:

Amount
Description of the
Date of document In whose favour mentioned in the
document
document

Not Applicable

Place: Perambalur.
Date: 03.07.2025. Advocate

28
29