Know exactly what you're buying — before you sign.
fivecheckmate traces a property's legal history back 20–30 years, checks it against court and revenue records, and hands you one clear report: buy, wait, or walk away.
20–30 yr
ownership chain traced per property
Sub-Registrar & court records
checked directly, not via hearsay
Written legal opinion
signed by an empanelled advocate
State-wise coverage
registries, RERA and municipal portals
A clean sale deed doesn't mean a clean title.
Most disputes surface only after money has changed hands. These are the risks a proper verification is built to catch.
Defective ownership chain
A break or forgery anywhere in the transfer history can make the current seller's claim unenforceable.
Hidden mortgages & liens
Bank loans or private liens registered against the property, invisible until an Encumbrance Certificate is pulled.
Pending litigation
Civil, criminal or revenue-court disputes, injunctions and attachments that can freeze a resale for years.
Unapproved construction
Layouts or floors built without sanctioned plans, RERA registration, or occupancy certificates.
Unpaid property tax
Outstanding dues, mismatched Khata, or mutation records not updated to the current owner's name.
Family & succession claims
Undisclosed co-owners, minors, or heirs with a legal share the seller didn't mention.
Six checks, in order, before you get an opinion.
Each stage feeds the next — we don't sign off until every one is closed out.
Ownership history, 20–30 years back
We examine transfer deeds, gift deeds, wills and partition records to confirm the seller's chain of ownership is unbroken and marketable.
Encumbrance Certificate (EC)
Obtained from the Sub-Registrar's office to confirm the property is free of mortgages, pending loans or liens.
Civil, criminal & revenue court records
We search for pending disputes, injunctions or attachments tied to the property or its owners.
Layout, building plan & RERA
Authenticity of layout approvals, sanctioned building plans and RERA registration is verified against government records.
Khata, mutation & tax receipts
Property tax payments, Khata certificates and mutation entries are checked to confirm there are no unpaid dues.
One written, signed report
A comprehensive legal opinion summarising every finding, flagged risks, and a clear go / no-go recommendation.
Built for anyone with money on the line.
Individual homebuyers
A plain-language report before you commit your savings to one property.
NRI buyers & owners
Remote, document-first verification with power-of-attorney and repatriation checks handled for you.
Banks & NBFCs
Lender-grade due diligence reports formatted for loan sanctioning and mortgage risk teams.
Developers & builders
Bulk land-parcel verification before acquisition, joint development or launch.
One report. No jargon left unexplained.
Every engagement ends with a single legal opinion document, built to be read by you — not just your lawyer.
- ✓ Full ownership chain, deed by deed, in plain language
- ✓ Encumbrance Certificate findings, explained
- ✓ Litigation search results across relevant courts
- ✓ Approval & RERA authenticity check
- ✓ Outstanding tax and mutation status
- ✓ A clear title opinion: proceed, proceed with conditions, or do not proceed
Title Opinion Report
REF: SS-2026-014XXIllustrative sample — every report is prepared against the specific property and documents submitted.
Choose the depth of check you need.
Final pricing depends on property location, document availability and turnaround. Every package ends in a written opinion.
Essential
For a resale flat or plot with straightforward paperwork.
- ✓ Title chain trace (20 yrs)
- ✓ Encumbrance Certificate
- ✓ Basic litigation search
- – RERA & approvals check
- – Physical site visit
Comprehensive
Our standard recommendation for most home purchases.
- ✓ Title chain trace (30 yrs)
- ✓ Encumbrance Certificate
- ✓ Full litigation search
- ✓ RERA & approvals check
- ✓ Tax & mutation verification
Institutional
For lenders, developers and bulk land-parcel due diligence.
- ✓ Everything in Comprehensive
- ✓ Physical site & registry visit
- ✓ Lender-formatted report
- ✓ Dedicated case manager
Common questions
An EC is issued by the Sub-Registrar and lists every registered transaction against a property — sales, mortgages, gifts, leases — over a chosen period. A clean EC is one of the strongest signals that a property is free of undisclosed loans or liens.
Turnaround depends on the state, the age of the property, and how quickly registry and court records can be pulled. We give you a specific estimate once we've reviewed the property documents you share.
We work with registries, municipal portals and empanelled advocates across multiple states. Tell us where the property is and we'll confirm coverage and process before you pay anything.
At minimum: the current sale deed, the seller's ID proof, and the property's tax receipt or Khata. We'll request anything else needed once we see what you have.
Yes. Findings are compiled by our research team and the final opinion is reviewed and signed by an independent, empanelled advocate.
Request a verification
Share a few details and a case manager will confirm scope, timeline and cost within one business day.