In Kerala, a possession certificate in Kerala is an official document that proves ownership or possession of a property or land. This certificate is issued by the local revenue authorities and serves as important legal proof that you are the rightful possessor of a property. The possession certificate in Kerala is crucial for various purposes, such as resolving property disputes, securing loans, and transferring property ownership. If you are planning to take a loan against property, having a possession certificate in Kerala can make the process much smoother. Mortgage loan help you leverage the value of your property for personal or business needs, and possessing this certificate is often a key requirement when applying for such loans.
What is a possession certificate in Kerala?
A Possession Certificate in Kerala is an important legal document that confirms ownership or lawful possession of a property. It can be obtained through the eDistrict Kerala portal or Akshaya Centres and requires documents such as the title deed, tax receipts, and identity proof. The certificate is essential for various property-related transactions, with applicable fees depending on the mode of application and the nature of the property.
Importance of the possession certificate in Kerala
A possession certificate is important for multiple reasons:
- Proof of ownership: It serves as legal proof that you are in possession of the property, even if you do not have the official title deed yet. This can be essential in property disputes.
- Property transactions: If you are selling or buying property, the possession certificate is often needed as part of the documentation to complete the transaction.
- Loan approval: When applying for a Loan Against Property, financial institutions require a possession certificate to assess the legitimacy of your claim over the property.
- Government-related procedures: It helps in property-related tax assessments, inheritance matters, and applying for other government services related to the property.
- Legal security: It acts as evidence of legal possession, ensuring that no one else can claim ownership of the property without your consent.
Eligibility criteria for possession certificate
To apply for a possession certificate in Kerala, you must meet the following eligibility criteria:
- Proof of possession: You must be the lawful possessor of the property, whether it is inherited, purchased, or otherwise legally acquired.
- Valid property ownership documents: You should have documents like the sale deed, title deed, or land tax receipts to prove that the land is in your possession.
- Residency: The property should be located within Kerala.
Required documents for possession certificate in Kerala
When applying for a possession certificate, you will need to gather the following documents:
- Aadhar card or other ID proof: For identity verification.
- Address proof: Such as a recent utility bill or rent agreement.
- Title documents: Deed, sale agreement, or land tax receipt.
- Photographs: Recent passport-sized photographs of the applicant.
- Land survey number: This is crucial to identify the property’s specific location and boundaries.
Possession certificate Kerala fee details
The possession certificate fee in Kerala differs based on the application method and applicant category. Fees are nominal, ensuring easy access for all residents, including concessions for Below Poverty Line (BPL) applicants.
Fee Type |
Akshaya Centers |
eDistrict Kerala Portal |
General |
INR 25 |
INR 15 |
Below Poverty Line (BPL) |
INR 15 |
INR 15 |
Validity of possession certificate Kerala
- No expiry period: A possession certificate in Kerala does not have a fixed validity period and remains valid as long as there is no change in possession status.
- Purpose-specific requirement: For uses such as home loan applications or official verification, authorities may ask for a recently issued certificate.
- Legal continuity: An updated certificate helps ensure smooth property transactions, taxation processes, and inheritance matters by serving as reliable legal proof over time.
Uses of the Possession Certificate in Kerala
A possession certificate may be required for the following purposes:
- To avail of government subsidies or benefits linked to property ownership or possession.
- To support applications for housing loans or other property-related financial assistance.
How to apply for a possession certificate in Kerala?
In Kerala, the process of applying for a possession certificate is straightforward but requires certain steps. Below, we will explain both the online and offline procedures in detail.
Step-by-step process to apply online for a possession certificate in Kerala
Applying online for a possession certificate in Kerala can be done through the official website of the Kerala Revenue Department. Here is a step-by-step guide to help you:
- Visit the official website of the Kerala Revenue Department.
- Create an account or log in using your existing credentials.
- Navigate to the Possession Certificate option under land or revenue services.
- Enter the required details, including the applicant’s name and property information.
- Upload supporting documents such as identity proof and title documents.
- Submit the application and pay the applicable fee online.
- Once processed, download the possession certificate from the portal or receive it on your registered email.
Step-by-step process to apply offline for a possession certificate in Kerala
If you prefer an offline method, the application can be completed through the local revenue office:
- Visit the nearest village office or local revenue office.
- Collect the possession certificate application form from the office.
- Fill in all required details accurately in the form.
- Attach supporting documents such as Aadhaar card, property records, and photographs.
- Submit the completed application to the concerned officer.
- Pay the prescribed application fee, if applicable.
- Collect the possession certificate from the office after processing or wait for delivery as informed by the authority.
How to track application status?
- Access the eDistrict Kerala Portal and log in.
- Go to the ‘Track Application’ section.
- Enter your application number and press ‘Submit’.
- Check the real-time status of your certificate processing.
Conclusion
Obtaining a possession certificate in Kerala is a relatively simple but important process for anyone owning land or property. It not only confirms your ownership rights but also plays a vital role when applying for property-related loans. For example, if you are looking to secure a loan against property from Bajaj Finance, having a possession certificate in place can speed up the approval process, as it helps establish that you have rightful control over the property.
Whether you apply online or offline, the process ensures that your claim to the property is legally recognised. Keep your documents in order and follow the required steps to ensure a smooth application. With a possession certificate, you will have the legal backing you need for property transactions and financial undertakings like a loan against property.
