Nikhil Chachra

Nikhil Chachra

Nikhil has 17 years of work experience and has worked across different organizations in diverse roles including a Software product company, Chamber of Commerce, Consulting company, an early stage Startup and a Social Development organisation. Nikhil specialises in events and outreach management, marketing communications, managing PR and media, government affairs and policy advocacy. He is currently associated with a large Indian private sector bank as an Advocacy and Policy Engagement Specialist. He writes extensively on Cybersecurity, Internet Safety and Legal topics. Additionally, he also contributes his knowledge in video format. Nikhil has attended an Executive programme in Marketing Management from IIM Kozhikode. He is an Electronics Graduate from Delhi University and has completed his Masters in Business Administration from Guru Gobind Singh Indraprastha University, New Delhi.

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DDA Flat Registration Scheme is a yearly "affordable housing" event
Property

DDA Flat Registration Scheme is a yearly "affordable housing" event

This post is one of the most frequently talked about topics of discussion when it comes to affordable housing. Yup, you guessed it right, we are talking about the Delhi Development Authority (DDA) Housing Scheme that is announced by the government on a yearly basis. This topic garners keen interest not only because affordable houses are offered to applicants via lucky draw but the scheme also covers a wide stratum of people, whether they are from the general category or from economically weaker groups or the reserved sections of the society like SC, ST, OBC, etc. As we progress in this post, you will have more insights on several aspects related to the DDA Flats Registration Scheme 2021 – what is the scheme about, its benefits and the general eligibility conditions, etc.

What is the DDA Flat Housing Registration scheme?

Briefly mentioning, under the Pradhan Mantri Awaas Yojna, DDA recently announced the housing registration scheme for the year 2021 wherein the authority has put for sale, more than 1300 flats of various types located at different locations in New Delhi. The sole aim of the scheme is to enable people to buy affordable houses as the houses being offered by DDA are priced cheaper compared to the houses sold by private real estate developers.

The ongoing pandemic has seen massive digitization of government services. DDA Housing Registration Scheme for 2021 has also followed the same path. The authority has completely automated the flats registration process. Some of the following online services are likely to be provided by the DDA to potential house buyers through its Awaas software:

  • Initiating the Online flat registration process by prospective buyers

  • Filling up the online flat registration form

  • Paying flat registration charges and fees

  • Conducting draw of lots under the supervision of authorized government officials

  • Issuing allotment and/or possession letters to the allottees

An important point to note in this scheme is that the allottee(s) may need to visit the office of the DDA for completing the conveyance deed execution process in his or her name.

People Also Read This: Flat Registration - Procedure, Documents Required and Stamp Duty Charges

Type of Flats being offered under the scheme and related registration charges

There are broadly four categories or types of flats that have been put for sale by the DDA under the current scheme. They are:

  • Higher Income Group (HIG) – The registration charges or application amount to be paid for this category of flats are Rs. 2 Lakhs.

  • Middle Income Group (MIG) – The registration charges or application amount to be paid for this category of flats are Rs. 2 Lakhs.

  • Lower Income Group (LIG) – The registration charges or application amount to be paid for this category of flats are Rs. 1 Lakh.

  • Economically Weaker Section (EWS) - The registration charges or application amount to be paid for this category of flats are Rs. 25 Thousand.

Some general conditions to be noted are:

  • The application once submitted cannot be withdrawn.

  • The spouses (husband and wife) can apply either separately or jointly with their spouse(s). However, if they apply separately/individually and both applications are selected in a lucky draw, only one flat will be allotted as per regulations.

  • The allotment of flats will happen via draw of lots, the date of which will be announced by DDA in due course.

  • The date of allotment will also be announced soon by the DDA.

  • The possession of flats will be given after allotment and receipt of the first payment by the DDA.

  • The DDA will initiate the refund of payment for an unsuccessful draw after 30 days from the date of draw of lots.

  • It is advisable to regularly visit the DDA website for information on the ‘lucky draw’.

Those who read this Article also Consulted a Lawyer about DDA Schemes. 

What are the eligibility conditions for putting a DDA housing scheme application?

As per DDA, any applicant interested in putting up an application needs to fulfill the following criteria:

  • Only a citizen of India can apply for the scheme.

  • Applicant must be over 18 years of age.

  • Applicant must not be an existing leasehold or freehold owner or joint owner of residential house or plot of size 67 square meters in Delhi, New Delhi, or Delhi cantonment.

  • Applicant must possess an active bank account.

  • Applicant must also have PAN Card.

  • Annual income of applicant applying under EWS category must not exceed Rs. 3 lakhs.

  • Household income of EWS category applicants should not be more than Rs. 10 lakhs.

People Also Read This: What is a Possession Certificate?

What documents are required for submission along with the application?

The applicant needs to submit the self-attested copies of the following documents:

  • Address Proof that may include documents like Driving License, Passport, Voter ID, Electricity Bill, Aadhaar Card, etc.

  • PAN Card

  • Bank Statement or Passbook

  • Income Tax Return filed for the assessment year

  • Reserved Category certificate, as applicable, issued by a competent government authority

Conclusion

The DDA Housing Scheme is a good opportunity for all those who are planning to buy a reasonable house in Delhi. The scheme has been created keeping in mind the budgetary constraints of people who dream to own a home. With several nationalized government and private banks providing housing loans at prevailing interest rates, the scheme definitely has the potential of being economical for the common citizen. We suggest you evaluate all your options including the legalities involved and register before the deadline ends if it fits your bill.

Land Patta Registration is the evidence of your Land Ownership
Property

Land Patta Registration is the evidence of your Land Ownership

Land is often seen as a complicated subject. The existing or new owner(s) of the land parcel(s) must know all documents that they need to have while transacting for a piece of land. Off late, we have been discussing several important aspects related to the ownership of land parcel(s). In this post, we attempt to share some more details about one such important document that has a validity related to the legal ownership of a piece of land. Yeah, we are talking about an important document called the ‘land patta’.

What is a Land Patta?

It is an important document issued by a competent authority (generally, the tehsildar) of the Government of India that includes the full name and other related details (size and type of the land) of the legal owner of the land parcel. This document is also called the ‘record of rights’ and acts as evidence of land ownership, typically in cases of encroachment of land. Having this document is very important, especially in the land deals, as the land patta specifies the name of the individual or person that is registered with the tehsildar’s office as the owner of the land parcel.

Some of the important points to note related to patta registration are:

  • Registration patta is a legal document, also sometimes referred to as the land deed

  • One-time patta registration is required with the tehsildar office

  • Person holding a registered government patta is also termed as pattadar

  • No renewal is required after registration of patta is done in a particular owner’s name

  • Renewal of patta can only be done when the piece of land under consideration is sold or transferred (by will, succession, or gift) to someone else

  • Patta is also needed when government acquires land for industrialization or development under orders of the honorable courts

  • Patta may generally be obtained on a nominal fee basis that may vary from state to state

  • Term ‘patta’ is mostly used in India and in some neighboring countries

  • Onus of initiating land patta registration process and getting the patta registration details updated in government records lies on the land owner and not on the government authorities or any other party

We must also understand the type of land parcels that require a government patta registration are:

  • Unconstructed plot(s) of land(s)

  • Land parcel(s) with construction

  • Piece of land(s) where the owner does not visit frequently

People Also Read This: Land Ownership Certificate indicates the actual Title of Ownership

How can the owner get patta bhumi registration done?

The registration process is fairly simple but may vary from one state to another. However, the general process of patta chitta registration is as follows:

  • The owner needs to file an application in the prescribed format with the office of the Tehsildar of his or her district.

  • With the advent of technology, the process of filing patta registration has also been automated. In today’s times, the owner of the land can file the application for patta registration online as well. However, it is important to note that there are only limited states, for the time being, that provides online patta registration facility to land owners.

  • The application form, in other words also called as patta registration form, for issuance of patta may vary from state to state and generally asks for details of the owner of the land parcel, size of land, location and type of land (residential, commercial or agricultural).

  • The application form may need to be submitted along with some additional documents, such as, owner’s identity proof, aadhaar card, etc. as per government norms for processing of application.

  • A designated officer from the office of the Tehsildar visits the land for survey and inspection on receiving the land patta registration application.

  • On successful completion of the inspection, the patta registration is granted to the owner of the piece of land. The inspector, however, reserves the right to reject the application as well.

  • The patta registration certificate can be issued in hardcopy form and may come in English as well as regional languages. It can also be issued in softcopy format, wherever the facility is available.

  • An important point to note here is that the same process may apply for transfer of registration of land patta to a new owner of the land parcel.

People Also Read This: Land & Property Registration: All You Need To Know

Conclusion

Those who read this Article also Consulted a Lawyer about Patta Registration process.  

Irrespective of the fact whether you are an existing or a new owner of the land parcel, the patta registration certificate remains the most important legal document that acts as evidence of the land ownership. It is important for you as the land owner to get the same registered properly. Also, the new owner by virtue of sale or succession or will or gift may need to initiate the transfer process as soon as he or she gets the ownership of the piece of land. The charges of getting the patta registration registered or transferred may be applicable as per norms laid by the state government.

While so much digitization is happening in India, state governments are trying to smoothen the patta registration, patta transfer as well patta verification process for the land owners. The endeavor is to make the process more convenient, comfortable, and hassle-free.

Land Ownership Certificate indicates the actual Title of Ownership
Property

Land Ownership Certificate indicates the actual Title of Ownership

The year 2021 has begun on a positive note and the world is on its way to recovery – economic, physical as well as social. People have started planning for the future again. It will be modest to say that several of them are or will be devising plans for investing in real estate. Many will opt for residential properties and many more will go for land purchases – residential, commercial, or agricultural.

So, let us discuss today, an important aspect related to land and its ownership. Yes, you are right! We are talking about the land ownership certificate. In this article, we will clearly state what is a land ownership certificate, who issues the same, what is the process of obtaining it, and so on.

What is a land ownership certificate?

It is defined as a formal document or a certificate issued to a person(s) by a competent authority of a particular state where the piece of land physically exists. The land ownership certificate when issued in a particular person’s name proves that the particular person(s) is/are the sole owner(s) of the piece of land. The sole owner(s) in whose name the certificate is issued has all the legal rights pertaining to the particular piece of land. The land ownership certificate also is proof that there is no dispute related to the ownership of the land parcel under consideration.

People Also Read This: What is a Possession Certificate?

Who issues the ownership certificate of land?

It is the state government in India (usually the district revenue officer or the tehsildar) that issues the land ownership certificate to individuals residing in the state. The individual or person in whose name the certificate is issued, who is also called the owner, has all the legal rights to take decisions related to the particular piece of land. The owner, in other words, has freehold or leasehold right in the land parcel.

What is the right that a land ownership certificate gives to its holder?

It is very important to understand the legal rights of the owner who owns the land parcel and holds the ownership certificate in his or her name. The most common ones, as per government norms are:

  • Taking all decisions with respect to the piece of land under consideration.

  • Selling the land to an interested party.

  • Renting or leasing the piece of land to an interested party.

  • Constructing a building or structure on a particular land parcel.

What is the process of applying for a land owner certificate and what documents are required for filing the application?

The process is fairly simple and straightforward. The applicant needs to contact the office of the tehsildar or the revenue officer for filing an application to obtain a land ownership certificate. The applicant generally needs to provide detail like the legal name of the owner(s), residence address, contact details, details of the land parcel including registration number, area, location, address, etc. 

For filing the process, the applicant needs to submit the following documents along with the application:

  • Application Form (as per the prescribed format)

  • Identity Proof issued by a competent government authority (for example, PAN Card, Voter ID, Passport, Driving License, etc.)

  • Aadhaar Card

  • Registration Documents of Land Parcel

  • Encumbrance Certificate

  • Application Processing Fee (may vary from one state to the other)

Once the application is submitted along with the nominal processing fee, the documents are verified by the competent authority, which is the revenue officer or the tehsildar in this case. On successful verification of the documents, the competent officer issues the respective landowner certificate to the applicant.

People Also Read This: Land Patta Registration is the evidence of your Land Ownership

Format of the Land Ownership Certificate

A question may also arise in the minds of the applicants about the format of a land ownership certificate. The landowner certificate format may vary from state to state and can be issued by the respective state government in regional language as well besides issuing it in the English format. Generally, the certificate includes the following details:

  • Name of land owner

  • Name of father or husband

  • Residence address of the landowner

  • Plot number of the land parcel

  • Total area (expressed in square yards)

  • Place where land parcel exists

  • Name of the land parcel (if any)

  • Signature of the landowner

  • Details of the registration fee or stamp duty paid by the landowner

  • Signature of the district revenue officer or the tehsildar

  • Full name of the district revenue officer or the tehsildar

  • Official stamp of the competent government office or authority

  • Date of certificate issue

Those who read this Article also Consulted a Lawyer about Property Ownership documents. 

Conclusion

In a country like India, land record management is still not a streamlined process. While the computerization of land banks is taking place, there is still a long way to go. Ironically, several government departments are responsible for the proper management of land records but they usually work in silos. There is a high possibility of human error in the process. Any discrepancy in land records can be a nightmare for the actual land owner(s). And hence, having a proper land ownership certificate becomes more imperative for each land owner and must be taken with utmost seriousness.