Don't buy property without checking these documents. Complete document verification checklist for property buyers in Zirakpur, Mohali, Chandigarh and Panchkula.
Property document verification is one of the most important steps in buying real estate. Missing or fraudulent documents can lead to legal disputes, financial loss and even loss of the property. This checklist helps you verify everything before purchase. Essential Documents to Verify 1.
By Property1313 Team · Updated June 5, 2026
Property1313 Team · June 5, 2026 · 3 min read
Property document verification is one of the most important steps in buying real estate. Missing or fraudulent documents can lead to legal disputes, financial loss and even loss of the property. This checklist helps you verify everything before purchase.
Essential Documents to Verify
1. Title Deed: The title deed proves ownership of the property. Verify that the seller is the rightful owner. Check the chain of title for the past 30 years. Make sure there are no encumbrances or liens on the property.
Sale Deed: It is the main legal document for a property transfer. It must be registered at the Sub-Registrar office. Verify the registration number, stamp duty payment and execution date.
Building Plan Approval: Check that the building plan is approved by the local authority (GMADA for Mohali, the Municipal Council for Zirakpur). Unauthorised building can be demolished.
Completion Certificate: Issued by the development authority, this certifies that construction has been completed as per approved plans. Do not buy a ready property without it.
Occupancy Certificate: This certifies that the building is fit to live in. Banks ask for it for home loans. Without an OC, you may face problems getting utility connections.
RERA Registration: Verify the PBRERA registration number for Punjab projects. Check the project details, timeline, validity of the registration and promoter details on the RERA website.
NOCs: Get No Objection Certificates from the Fire Department, Pollution Control Board, Water Supply, Electricity and Sewerage Departments and Airport Authority (if near the airport).
Encumbrance Certificate: Obtain from the Sub-Registrar office for at least the past 13 years, ideally 30. This shows whether the property has any legal dues, mortgages or pending litigation.
Property Tax Receipts: Verify that all property taxes are paid up to date. Unpaid taxes become the buyer's responsibility after the sale.
Additional Checks for Under-Construction Projects
Verify the commencement certificate, approved layout plan, RERA quarterly progress reports, the builder's licence and any development agreement. Check whether the project has environmental clearance where it is needed.
Red Flags to Watch
Be cautious if: the seller is reluctant to show original documents, the price is far below the going rate, documents have inconsistencies or alterations, the seller has only photocopies, there are pending court cases, or the property has several owners without a clear succession.
Professional Verification
Always hire your own property lawyer for document verification. Property1313 can help you gather the documents a seller or builder shares and walk you through what each one covers, but the legal opinion should come from your lawyer.
Online Verification Resources
Punjab Land Records: jamabandi.punjab.gov.in
Punjab RERA: rera.punjab.gov.in
Haryana RERA: haryanarera.gov.in
Encumbrance Certificate: Available at the respective Sub-Registrar offices
Document verification may seem tedious, but it is essential for a safe property purchase. Never skip this step, however trustworthy the seller appears.