Possession Certificate Kerala: Documents, Eligibility and Online Process

A possession certificate in Kerala is a revenue document that confirms your possession of specified land or property. Kerala’s eDistrict service lists a 7-working-day time limit for issuing the certificate.

• Certificate is issued by the Revenue Department through the applicable service channel
• The official eDistrict list describes its validity as special purpose, so you should check whether the receiving authority requires a recent certificate
• Required documents can include Aadhaar Card, land tax receipt, sale deed or purchase certificate, encumbrance certificate and other supporting records
• Akshaya Centres currently list service charges separately from any applicable government fee
• The certificate confirms possession and should not be treated as conclusive proof of absolute ownership
• Use the certificate for purposes specified by the competent authority, including eligible housing-related subsidy or loan requirements

If you need the certificate for a property-related financial application, check the lender’s document requirements before applying.

A possession certificate in Kerala is a revenue certificate that confirms that the land described in the certificate is in the possession and enjoyment of the person named in it. The Government of Kerala's prescribed certificate format records details such as the district, village, survey numbers, land extent and purpose for which the certificate is issued. The certificate is therefore evidence of possession for the stated purpose. It should not be described as a document that independently establishes absolute ownership of the property. The Kerala eDistrict portal lists Possession Certificate as a Revenue Department certificate service. It also states that the certificate has special-purpose validity.

A possession certificate can be useful when an authority, financial institution or other organisation requires official evidence of possession for a specific purpose.

Some common uses include:

• Supporting applications for housing loans or property-related financial assistance
• Supporting applications for eligible government subsidies
• Providing official evidence of possession for the purpose mentioned in the certificate
• Supporting property-related documentation where a possession certificate is specifically requested
• Establishing the details of the land and the person recorded as being in possession

The exact requirement can depend on the transaction or organisation requesting the certificate. Therefore, applicants should confirm whether a possession certificate is required for their particular purpose before applying.

A person seeking a possession certificate should have lawful possession of the property and supporting records establishing their claim.

The application generally requires property-related documents and identity details. The Kerala e-District system lists documents such as Aadhaar Card, affidavit, building tax receipt, Election ID Card, encumbrance certificate, land tax receipt, Pattayam, and sale deed or certificate of purchase among the supporting documents for a possession certificate. The property must also be located in Kerala because the certificate is issued through the State's revenue administration.

Keep the relevant documents ready before submitting your application. Depending on the case and application channel, you may be asked to provide:

• Aadhaar Card or another accepted identity document
• Election ID Card, where applicable
• Land tax receipt
• Building tax receipt, where applicable
• Sale deed or certificate of purchase
• Pattayam, where applicable
• Encumbrance certificate
• Affidavit, where required
• Property and survey details

The exact documents can vary based on the nature of the property and the purpose of the certificate. The Kerala e-District portal should be checked for the latest requirements before submitting an application.

The applicable fee depends on the application channel and the category of applicant. For applications through an Akshaya Centre, the official Akshaya portal currently lists:

The final amount may therefore depend on the number of pages scanned or printed and the applicant category. Applicants should verify the applicable charges at the time of submission.

The Kerala e-District system provides revenue certificate services, including possession certificates. Some services are available through the online portal, while Akshaya Centres also provide access to the service.

The online process is as follows:

Step 1: Access the Kerala e-District service

Visit the official Kerala e-District portal and access the revenue certificate services.

Step 2: Register or log in

Create an account if you are a new user. Existing users can log in with their credentials.

Step 3: Select the possession certificate service

Choose the possession certificate service and provide the required applicant and property details.

Step 4: Enter property details

Provide information such as the village, taluk, survey details and other property information requested in the application.

Step 5: Upload supporting documents

Upload the required identity, ownership, tax and property-related documents in the prescribed format.

Step 6: Pay the applicable charges

Pay the applicable fee through the available payment facility, if required.

Step 7: Submit the application

Review the information carefully and submit the application.

Step 8: Track the application

Use the application details provided after submission to check the status through the applicable e-District service.

The Kerala e-District system also provides certificate verification facilities and lists possession certificate as one of its Revenue Department certificate services.
 

Applicants who prefer assistance with the application can use an Akshaya Centre. The official Akshaya portal lists possession certificate as one of its services.

Follow these steps to apply offline:

1. Visit an Akshaya Centre providing the possession certificate service
2. Provide the required identity and property documents
3. Submit the application details required by the service provider
4. Pay the applicable service and government charges.
5. Complete any required document submission or verification
6. Collect the certificate once it is issued

The service may also involve verification based on the application,local enquiry and records submitted.

The Kerala e-District FAQ lists 7 working days as the time limit for issuing a possession certificate. The official Akshaya service page also states a 7-day timeframe from the date of application. The actual time may depend on document verification, local enquiry and whether additional information is required.

The Kerala e-District system classifies a possession certificate as a special-purpose certificate rather than assigning it a standard fixed validity period.

The certificate itself specifies the purpose for which it is issued. If you are submitting it for a loan, property transaction or another official requirement, check with the concerned organisation whether it requires a recently issued certificate.

A possession certificate and an ownership document are different property records and serve different purposes. While a possession certificate establishes that a person is in possession and enjoyment of specified land, an ownership document provides evidence of the person's ownership or interest in the property.

Understanding this distinction is important when submitting property documents for a loan, government service or property-related transaction. A possession certificate should not be used as a substitute for a title deed when proof of ownership is specifically required.

If you plan to use your property as collateral, the lender may review different property documents and records as part of its verification process. And a possession certificate may be considered as part of the property-related documents required when applying for a loan against property. However, having a possession certificate does not by itself establish eligibility for a loan. The lender may require additional documents to verify the property and assess the application.

With Bajaj Finance Loan Against Property, eligible applicants can access funds by mortgaging eligible residential or commercial property. Applicants should keep relevant property, identity and financial documents ready and check the applicable documentation requirements before applying.

Bajaj Finance Loan Against Property offers loan amounts of up to Rs. 15.50 crore*, with interest rates starting from 7.5% p.a.* and a repayment tenure of up to 15 years*, subject to applicable eligibility and terms.  Check your eligibility and get a loan against property with competitive interest rates and meet your immediate expenses without hassle.