Home Verification from the Perspective of a Lekhpal & Tehsildar (Revenue Officers in Raebareli, Uttar Pradesh)

As a Lekhpal (Revenue Officer) and Tehsildar (Administrative Revenue Officer), I will guide you on the land verification process, legal documentation, and government approvals required for a home loan in Raebareli, Uttar Pradesh.

Home Verification from the Perspective of a Lekhpal & Tehsildar

1. Land and Property Verification (Role of Lekhpal & Tehsildar)

Before approving a home loan, banks require legal clearance of the property. This is where my role as a Lekhpal & Tehsildar becomes important.

A. Checking Land Ownership Records (Khasra & Khatauni)

✅ Khasra (खसरा): A plot-specific document containing survey details.
✅ Khatauni (खतौनी): A record of ownership of agricultural and residential land.
✅ Jamabandi (जमाबंदी): A revenue record that shows mutation (ownership change).
✅ Bhu Naksha (भू नक्शा): Land map to confirm location and boundaries.

📌 Where to Check?
Visit the Tehsil Office or check online at Bhulekh Uttar Pradesh for land records.

B. Ensuring the Property is Legally Clean

✅ Encumbrance Certificate (दाखिल खारिज प्रमाणपत्र)

  • Confirms no pending loans or legal disputes on the property.

✅ Mutation Certificate (दाखिल खारिज प्रमाणपत्र)

  • If the land was inherited or purchased, it must be updated in the Khatauni records.

✅ No Objection Certificate (NOC) from Local Authority

  • Required from Gram Panchayat (for rural areas) or Nagar Palika (for urban areas).

✅ Approved Land Use (भू उपयोग स्वीकृति)

  • Residential property must be built on Gair Majrua Aabadi (गैर मजरुआ आबादी) or residential converted land.
  • Agricultural land must be converted to residential use before home loan approval.

📌 How to Convert Agricultural Land to Residential Land?

  1. Submit an application to the Tehsil Office.
  2. Pay the land use conversion fee.
  3. Get approval from the District Magistrate (DM) Office.

2. Stamp Duty & Registration Process (Handled by Tehsildar Office)

Stamp duty and registration charges are mandatory for home loan processing.

A. Stamp Duty Charges in Raebareli

Buyer Type Stamp Duty Registration Charges
Male 7% of property value 1%
Female 6% (1% discount) 1%
Joint (Male + Female) 6.5% 1%

📌 Where to Pay?

  • Tehsil Office (तहसील कार्यालय)
  • Online via e-Stamp Portal (www.igrsup.gov.in)

B. Property Registration Process

📌 Steps to Register Property at Tehsil Office:

  1. Visit Sub-Registrar Office (SRO) at the Tehsil.
  2. Submit property documents: Sale deed, identity proof, and land records.
  3. Stamp Duty Payment (Pay online or at the Bank Treasury).
  4. Biometric Verification & Signatures.
  5. Get a Registered Sale Deed (Ownership transferred officially).

📌 Processing Time: 7-15 working days

3. Government Housing Schemes in Raebareli

As Tehsildar, I also oversee government housing schemes. If you’re eligible, you may receive subsidies or financial assistance.

A. Pradhan Mantri Awas Yojana (PMAY) – Urban & Rural

🏠 Benefits:

  • Interest Subsidy up to ₹2.67 lakh for first-time home buyers.
  • CLSS (Credit Linked Subsidy Scheme) for EWS, LIG, MIG categories.

📌 Where to Apply?

  • Visit Raebareli Tehsil Office or Municipal Corporation Office for urban applications.
  • Apply online at PMAY Portal.

4. Land Dispute Resolution (Important for Home Loan Approval)

If a property has ownership conflicts, the bank will not approve the loan. As a Lekhpal/Tehsildar, I can assist in dispute resolution.

📌 How to Resolve Land Disputes?

  1. File a complaint at the Tehsil Office.
  2. Revenue Inspector (Patwari) will inspect the land.
  3. Hearing at the SDM Court (Sub-Divisional Magistrate).
  4. Final judgment by the Tehsildar/District Magistrate.

5. Mutation Process (Dakhil Kharij)

If you have inherited or purchased land, you must update ownership records (Dakhil Kharij).

📌 Steps for Mutation at Tehsil Office:

  1. Submit application at the Revenue Office.
  2. Attach Sale Deed or Inheritance Papers.
  3. Pay mutation fees (₹500 – ₹1,500 depending on property value).
  4. Lekhpal verification + Tehsildar approval.

📌 Processing Time: 15-30 days

6. Tehsil Services for Home Loan Applicants

✅ Land Record Verification: Get a certified copy of Khatauni/Khasra.
✅ Encumbrance Check: Ensure no pending legal disputes on the property.
✅ Title Clearance Certificate: Required for loan disbursement.
✅ Mutation Record Update: Ensures smooth loan approval process.

7. Final Checklist Before Applying for a Home Loan

✔ Get land records verified from Tehsil Office.
✔ Ensure property has no legal disputes.
✔ Pay stamp duty & register property correctly.
✔ Apply for PMAY subsidy if eligible.
✔ Check mutation status & update records if needed.

Conclusion: How I Can Assist You as a Lekhpal & Tehsildar

💡 If you’re buying land or property in Raebareli, visit the Tehsil Office first for legal verification.

📌 My Assistance Includes:
✅ Checking your Khatauni & Khasra records.
✅ Issuing Encumbrance & NOC Certificates for loan approval.
✅ Assisting in Mutation & Land Use Conversion.
✅ Guiding in PMAY subsidy & housing schemes.
✅ Resolving property disputes if any.

🏠 Once all legal documents are cleared, you can confidently approach a bank for a home loan.

🚀 Need help with your property papers? Visit the Raebareli Tehsil Office today!

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