Reference
The terms, forms and official portals you will meet, in one place.
Plain-English glossaries of auction, title, records and tax terms; a directory of the official portals for Karnataka, Telangana and the central registries; and who does what in a bank auction.
Which record answers which question
Most questions a buyer has about a bank-auction property are answered by one official record. This is where each one lives.
- 1
Is anything registered against it?
The encumbrance certificate lists registered transactions and charges.
Kaveri 2.0 · IGRS Telangana
- 2
Is there a case?
Case status at the tribunals and courts, searched by name and property.
drt.gov.in · nclt.gov.in · e-Courts
- 3
Is the bank’s mortgage on record?
A search of the central registry of security interests.
cersai.org.in
- 4
Whose name is on the municipal record?
The e-Khata in Bengaluru; the property-tax record in Hyderabad.
e-Aasthi · GHMC
- 5
What does the land record say?
The RTC or e-Swathu record in Karnataka; Bhu Bharati in Telangana.
Bhoomi · e-Swathu · Bhu Bharati
- 6
What is the stamp-duty value?
The guidance value in Karnataka; the market value in Telangana.
Kaveri 2.0 · IGRS Telangana
Each record answers its own question as of the day you look. None of them, alone, shows title.
Guides
Glossary: Bank-Auction and SARFAESI Terms
Plain-English definitions of the SARFAESI and bank-auction terms in a sale notice, from demand notice and reserve price to Rule 9, redemption and the DRT.
Read the guideGlossary: Title and Registration Terms
Plain-English definitions of the title and registration terms in a bank-auction file: chain of title, EC, sale deed, mortgages, attachment and stamp duty.
Read the guideGlossary: Karnataka and Telangana Land and Municipal Records
Plain-English meanings of the land, municipal and panchayat records of Karnataka and Telangana: RTC, e-Khata, ePID, e-Swathu, Bhu Bharati, PTIN, 22-A and LRS.
Read the guideGlossary: Tax, Money and Closing Terms
Plain-English meanings of the money, loan, duty and tax terms in a bank auction: EMD, the 25%, forfeiture, eligibility, LTV, stamp duty, s.393 TDS and Form 141.
Read the guideOfficial Portals for Bank-Auction Buyers: Karnataka, Telangana and the Central Registries
The official websites a bank-auction buyer in Bengaluru or Hyderabad uses to check records, cases, auctions and tax, what each shows, and which need an account.
Read the guideWho’s Who in a Bank Auction: The Authorised Officer, the Secured Creditor, the Magistrate and the Tribunals
The people and offices you meet in a SARFAESI bank auction, what each one decides, and where the law gives them that role — from the bank to the sub-registrar.
Read the guideAlso on this site
In preparation
Guides being written for this shelf. Each is checked against the law it cites before it is published.
- How we check: the six points, per state
- Prohibited-property lists: what a hit means
- Reading a court case-status page
- Where bank auctions are officially published