Published Jul 11, 2025 4 Min Read

Understanding Dakhil Kharij

When you buy or inherit property, transferring its ownership in government records is crucial to avoid legal disputes and ensure clear ownership. This transfer is done through a process called Dakhil Kharij, an essential step in property mutation. Whether you are purchasing land, a residential home, or commercial property, completing Dakhil Kharij ensures that the government land records reflect the latest ownership status. This not only legitimises your possession but also helps in paying accurate property taxes and availing various financial services such as loan against property.

Having updated mutation records is particularly important when leveraging your property to secure a loan. Financial institutions require clear proof of ownership, and Dakhil Kharij acts as this critical document, enabling faster approvals and smoother transactions. Despite its importance, many property owners remain unclear about the process and legal implications of Dakhil Kharij. This article help u understand the concept, explains why it matters, and guides you through the entire procedure to make the process smooth and hassle-free.

 

What is Dakhil Kharij?

Dakhil Kharij refers to the official process of updating or mutating land or property records to reflect a change in ownership. It is a government record modification entered in the revenue or municipal records following a sale, inheritance, gift, or partition of property. This process is essential for the legal recognition of the new owner's rights in government records. Without Dakhil Kharij, the property may still be listed under the previous owner's name in official records, causing issues in taxation, legal claims, and financial transactions. The term “Dakhil” generally means “entry” or “record,” while “Kharij” means “deletion” or “removal” of the old owner's name.

 

Why is Dakhil Kharij important in property transfer?

  • Legal ownership proof: Confirms the new owner’s rights in government land records.
  • Accurate property tax assessment: Ensures property tax is charged correctly on the new owner.
  • Facilitates future transactions: Simplifies sale, mortgage, or inheritance procedures.
  • Avoids legal disputes: Prevents ownership conflicts by maintaining updated records.
  • Eligibility for loans: Banks require updated mutation records for property-backed loans.

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What is the process of Dakhil Kharij?

StepOffline processOnline process
1. Application submissionVisit local land/revenue office with application form and documents.Fill out mutation application form on state’s online portal.
2. Document verificationSubmit documents physically; officer verifies authenticity.Upload scanned copies for digital verification.
3. InspectionSite visit by revenue officer to verify possession and property details.May include a virtual or physical inspection, depending on state rules.
4. Mutation entryManual updating of mutation records in revenue register.Mutation updated digitally in land records database.
5. Mutation certificateReceive physical mutation certificate from the office.Download digital mutation certificate from portal.
6. Payment of feesPay mutation fees at designated counter.Online payment gateway available for fee payment.

 

Required documents for Dakhil Kharij

  • Sale Deed or Gift Deed or Will (proof of ownership transfer)
  • Property Tax Receipt (latest)
  • Identity Proof (Aadhaar, PAN, Voter ID, etc.)
  • Address Proof (Passport, utility bills)
  • Application form for mutation (available at revenue office or online)
  • Previous Owner’s Mutation Certificate or Record
  • Encumbrance Certificate (optional but recommended)
  • Affidavit or Indemnity Bond (in some cases)
  • No Objection Certificate (if applicable)

Why let your property's value sit idle? Once your ownership is updated through Dakhil Kharij, you can easily apply for a loan against property. Enjoy quick disbursal, simple documentation, and the freedom to use funds for any purpose—without selling your asset. It is smart, stress-free financing at your fingertips.

Dakhil Kharij fee structure and expected timeline

Fee structure:

  • Mutation fees generally range between Rs. 100 to Rs. 1,000 depending on the state and property size.
  • Some states have nominal or no fees for mutation in case of inheritance.
  • Additional charges may apply for physical verification or inspection.

Expected timeline:

  • Online process: 15 to 30 days after application submission.
  • Offline process: 30 to 90 days depending on office workload and verification.
  • Delays are common if documents are incomplete or verification is pending.

 

Mutation vs. Sale Deed vs. Registry vs. Encumbrance Certificate

DocumentPurposeIssued byImportance
Mutation (Dakhil Kharij)Updates government land records to new ownerRevenue DepartmentConfirms ownership in govt. records
Sale deedLegal contract of sale between buyer and sellerSub-Registrar OfficeProof of transaction and ownership transfer
RegistryOfficial recording of Sale DeedRegistrar OfficeValidates sale deed legally
Encumbrance certificateShows if property is free of legal dues/loansSub-Registrar OfficeRequired for loan and sale

Common challenges and how to avoid delays

Challenges

  • Incomplete or incorrect documents
  • Delayed site inspections by authorities
  • Multiple ownership disputes or legal claims
  • Non-availability of online portals in some regions
  • Manual errors in record updating

Best practices

  • Submit complete and accurate documents from the start
  • Use online portals where possible to reduce manual delays
  • Regularly track application status online or through the office
  • Consult legal help if ownership disputes arise before mutation
  • Pay fees promptly and keep receipts for records

Got your Dakhil Kharij done? Great! Now make your property work for you. Whether you need funds for business, education, or personal goals, you can unlock high-value loan against your property. With competitive interest rates and flexible tenures, getting financial support has never been this easy—or this secure. By using your property as collateral, you can unlock access to large funds of up to Rs. 10.50 Crore*—it is a smart way to manage your finances with ease! Get funds within 72 hours* of approval.

Manage your needs with a Bajaj Finserv Loan Against Property

Unlock the value of your property and secure funds with a Bajaj Finserv Loan Against Property. Whether you need funds for business expansion, higher education, medical expenses, wedding, or debt consolidation, this financial solution provides the necessary funding with convenience and flexibility.

Key benefits of a Bajaj Finserv Loan Against Property:

1. Substantial loan amounts: Access funding of up to Rs. 10.50 Crore* to secure your intellectual assets, invest in legal protections, or grow your business.

2. Flexible repayment tenures: Enjoy repayment terms of up to 15 years*, ensuring financial stability while managing your expenses.

3. Hassle-free application process: With minimal documentation and easy eligibility criteria, you can apply online seamlessly from the comfort of your home or office.

Conclusion

Dakhil Kharij is a vital step in solidifying your ownership rights by updating government records after property transfer. It not only safeguards your legal ownership but also facilitates hassle-free payment of property taxes, sale, and financial dealings like loan against property. Clear mutation records ensure smooth and quick access to funds by enabling lenders to verify ownership easily.

Leverage the power of your property to fulfill multiple financial needs. Get a loan against property from Bajaj Finance with a simple application process and competitive rates, ensuring your asset works for you when you need it most. Timely filing of Dakhil Kharij after purchasing or inheriting property protects your investment and unlocks the door to financial flexibility.

Frequently asked questions

Can Dakhil Kharij be done without mutation?

No, Dakhil Kharij cannot be done without mutation. Mutation is a necessary step to update land records in the new owner’s name, and Dakhil Kharij formalises this ownership transfer legally.

Is Dakhil Kharij mandatory for property registration?

Dakhil Kharij is not mandatory for property registration but is essential for updating land records. It ensures the buyer’s name is recorded as the rightful owner in revenue records after registration.

Can Dakhil Kharij be challenged in court?

Yes, Dakhil Kharij can be challenged in court if there are disputes over property ownership, fraudulent transactions, or procedural lapses. Affected parties can file a civil suit to contest the mutation entry.

Who is eligible to apply for Dakhil Kharij?

Any legal property owner, buyer, or heir who has recently acquired ownership through sale, inheritance, gift, or partition is eligible to apply for Dakhil Kharij to update land revenue and municipal records.

 

 


 

What is the time limit for filing Dakhil Kharij after property purchase?

The time limit for filing Dakhil Kharij after property purchase varies by state, but it is generally recommended to apply within 3 to 6 months to avoid legal or administrative complications.

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