So, you’ve decided to buy a property in Mumbai or anywhere in Maharashtra — exciting, right? But before you sign that contract or transfer your hard-earned money, there’s something very important you need to check — the property card.
Think of it like the ID card for your asset. It proves who the real property owner is, protects you from fraud, and ensures that the property you’re buying is legal and legitimate. Skipping this step? Big mistake.
In this guide, we’re going to cover everything from what is property card and how it plays a major role in real estate transactions to the process of getting a property card for Mumbai or in other parts of Maharashtra and how to verify it so you don’t get scammed.
What is a Property Card?
A property card is an official document issued by the state government that keeps track of who owns urban land. It’s like a title deed but specifically for cities. It’s a way for the state government to keep records of land ownership, prevent fraud, and ensure smooth transactions in the real estate world.
For those wondering how things work in villages, rural properties in India don’t have property cards. Instead, they use a document called the 7/12 extract. But if you’re dealing with an urban property, then a property card is what you need.
And here’s the exciting part: thanks to digitisation in India, you can now access an e property card online. No more running around government offices for hours! The state government has made it easier to check land records with the digital property card system.
Additionally, the Maharashtra government is set to introduce vertical property cards for flat owners, aiming to enhance ownership documentation and transparency in real estate. These cards will include details like ownership rights, carpet area, and loan information, acting as a legal record for apartments.
Implementation will begin in phases, starting with Maharashtra Real Estate Regulatory Authority (MahaRERA)-registered projects, ensuring a secure and reliable system for flat buyers and sellers across the state.
Importance of Property Cards in Real Estate
If you’re wondering, “Why should I even care about a property card?” then here are some points that show you the importance of a property card:
1) It Proves You Actually Own the Property
A property card serves as official proof of ownership, ensuring that the landowner is legally recognised. It helps prevent disputes by clearly documenting asset ownership details.
Without a property card, there is a risk of conflicting ownership claims, legal complications, and potential eviction. Verifying a property card before purchasing a property ensures transparency, protects buyers, and eliminates confusion regarding ownership rights.
2) It’s a Must for Buying & Selling
If you’re a buyer, checking the property card before making an asset purchase is a non-negotiable step. And if you’re a seller, having a verified property card makes your sale legit. It’s a win-win.
3) You Need It for Loans & Taxes
Thinking about getting a home loan? Banks will ask for your property card. It’s also essential for paying property taxes.
4) It Helps in Government Planning
The state government uses property cards to plan roads, infrastructure, and other city developments. If your land is on record, it means it’s less likely to get caught up in a messy dispute later.
A property card is a must-have for buyers, sellers, and property owners, ensuring hassle-free transactions and legal security in real estate.
Main Components of a Property Card
A property card is packed with crucial details that define the legal status of a property. Whether you’re a buyer, seller, or just someone trying to understand real estate, knowing what’s on this document is important.
Here are the key components you’ll find on a property card:
1) Property Owner’s Name
The most important detail! This confirms who legally owns the property. If the name on the property card doesn’t match the seller, that’s a huge red flag.
2) Property Address & Survey Number
Every property has a unique survey number and address, which helps in identifying it in government records.
3) Land Area & Boundaries
This section gives the exact size and dimensions of the property so you know what you’re paying for.
4) Encumbrance Details
If the property has unpaid loans, legal disputes, or any claims against it, they will be recorded here.
5) Tax Information
This shows if all property taxes are paid or if there are any outstanding dues to the state government.
6) Mutation Entries
Records of past ownership transfers are listed here, ensuring the property has a clear history.
In India, having a property card ensures transparency in real estate dealings, protecting the interests of buyers, sellers, and landowners. Always cross-check these details before buying any property in Mumbai or Maharashtra! If something doesn’t match, walk away.
How to Get a Property Card in Mumbai, Maharashtra?
Applying for a property card Mumbai is now a hassle-free process with the online portal for land records.
Getting a Property Card Online (The Digital Property Card Method)
If you’re wondering how to get property card online? Then follow these steps to get your e-property card in Mumbai:
Step 1. Visit the Official Website
- Go to the Maharashtra Land Records portal
Step 2. Create an Account
- Navigate to the Right to Services page.
- Register by providing your basic details.
- Use the credentials sent to your registered email to log in.
Step 3. Select the Required Service
- Find the Revenue Department Services section.
- Click on the option to apply for a certified copy of a property card.
Step 4. Enter Property and Applicant Details
- Applicant’s name and address
- Email ID and Aadhaar Card number
- Ward number, final plot number, city survey number
- Number of copies required
- Office order date and enquiry register details
Step 5. Upload Necessary Documents
- Upload a recent photo
- Valid ID proof
- Digitised signature
Step 6. Make Payment and Submit Application
- Complete the payment through the online payment gateway.
- Once done, the application details will be displayed on the screen.
Step 7. Track Your Application
- The portal allows you to check the status of your property card application anytime.
Getting a Property Card Offline (The Traditional Method)
- Visit the Local Revenue Office: Find the nearest land records office.
- Submit Required Documents: Bring your ID, sale deed, and proof of ownership.
- Wait for Processing: The authorities will verify the documents.
- Collect Your Property Card: If everything is in order, you’ll get your property card.
Both methods work, but going online saves you time.
Steps To Verify a Property Card
Here’s how to make sure your property card is 100% legit:
- Check the Government Website: Use the state government’s portal to verify records.
- Verify the Owner’s Name: The name on the property card should match the seller.
- Look for Encumbrances: See if the property has unpaid loans or legal disputes.
- Review the Mutation History: If the land ownership has changed too many times, investigate why.
- Consult a Lawyer: If anything seems off, ask a legal expert before you buy.
Bottom Line
If you’re purchasing a property in Mumbai or anywhere in Maharashtra, verifying the property card should always be your first step. It helps in legal disputes, prevents scams, and ensures a smooth buying or selling process.
At AsmitA India Realty, we prioritise transparency and ensure that all our properties come with verified property cards so you can invest with confidence. If you’re looking for a premium yet affordable home, AsmitA Grand Maison is the perfect choice.
Located on Mira Road, it offers 1 & 2-BHK options with complete legal security. Don’t just buy a home; invest in peace of mind. Explore AsmitA Grand Maison today and make your dream home a reality!
Frequently Asked Questions
What is a property card, and why do I need one?
A property card is an official document that proves asset ownership of urban land. It’s required for legal security, property transactions, and even home loans.
How can I get a property card in Mumbai?
You can apply for a property card Mumbai online via the Maharashtra government’s land records portal or visit the revenue office.
Can I get a digital property card?
Yes! The state government now offers a digital property card that you can access online as an e-property card.
Is a property card different from a 7/12 extract?
Yes, a property card is for urban areas like Mumbai, while the 7/12 extract is used for rural land records in Maharashtra.
How do I check if a property card is genuine?
Use the state government portal, verify the landowner, and check for encumbrances before making a purchase.
