Big Reform Alert! Centre Proposes Online Property Registration & Mandates Key Document Digitization

In a major step towards simplifying property-related processes, the Central Government has proposed a landmark bill to digitize property registrations and modernize India’s century-old property law. If implemented, this move could revolutionize the way Indians buy, sell, and register property.

Online Property Registration in India: A Digital Leap

The proposed Registration (Amendment) Bill seeks to transform the current paper-based registration system by allowing online registration certificates and the digital maintenance of property records. This move is expected to enhance transparency, reduce fraud, and streamline the property registration process for millions of citizens.

The Department of Land Resources under the Ministry of Rural Development has released the draft bill for public consultation. This step follows several states expressing interest in moving towards online land registration and digitized land record systems.

What’s Changing?

The draft bill aims to replace the 117-year-old Registration Act with a tech-driven framework that allows:

• Online registration of properties
• Mandatory registration of key documents like:
• Agreement to Sell
• Power of Attorney
• Sale Certificates
• Equitable Mortgage Agreements

This shift to digital is part of the government’s larger goal to make processes simpler, faster, and fraud-proof for citizens.

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Aadhaar-Based Verification to Reduce Property Fraud

One of the standout features of the bill is Aadhaar-based authentication (with user consent) for registering property documents. For those who prefer not to use Aadhaar, other secure verification methods will be available. The goal? Tighten identity verification and curb property scams.

🔎 Why it matters: Property fraud has been a long-standing issue in India, especially in metro cities. By using Aadhaar-linked authentication, the system becomes more transparent and reliable.

Property Registration Goes Digital

The proposed law introduces digital registration certificates and online maintenance of property records – paving the way for:

• Easier access to verified records
• Faster turnaround for registration
• Minimal paperwork and human error

This also allows integration with other government departments, making information sharing seamless and efficient.

Boosting Real Estate Transparency

With the mandatory registration of documents like “Agreement to Sell” and mortgage arrangements, buyers and sellers will now have better protection and legal clarity. This is a game-changer in real estate due diligence, especially for home loan applicants and financial institutions.

💡 At Loan Bazaar, we always advise users to verify documentation before applying for a home loan. This new law will make verification smoother and faster.

States Get More Power, But the Rules Stay Unified

While the Registration Act is a central law, states will have the flexibility to make region-specific changes in consultation with the Centre. This helps ensure local needs are addressed while keeping a national structure intact.

Additionally, the bill:

• Introduces new roles like Assistant Inspectors General of Registration
• Streamlines registrar appointments
• Provides legal backing for cancellation of registrations that don’t meet set standards

What It Means for Homebuyers & Loan Seekers

This proposed reform could be a game-changer for anyone planning to buy property or apply for a home loan in India. By shifting property registration online and mandating the digital documentation of key legal agreements, the process of buying a home becomes more transparent, faster, and legally secure.

For homebuyers, this means:

• Quicker access to verified property documents, making it easier to perform due diligence.
• Reduced risk of fraud, especially in cases involving power of attorney or disputed ownership.
• Easier tracking and retrieval of records, which can help during resale or refinancing.

For loan seekers, the benefits are equally impactful:

• Faster loan processing, as lenders can instantly verify digitally registered documents.
• Greater confidence from banks and NBFCs in the authenticity of your property papers.
• Fewer delays in disbursal due to incomplete or unclear documentation.

Final Word from Loan Bazaar

The Centre’s proposal to digitize property registration marks a transformative step toward a transparent and efficient real estate ecosystem. By making key documents like the Agreement to Sell and Power of Attorney mandatorily registrable online, the bill not only reduces legal ambiguity but also empowers homebuyers, investors, and financial institutions with secure, verifiable documentation.

For those navigating the home loan process, this reform could mean faster approvals, lower risk, and greater confidence in property transactions. As India marches toward a fully digital future, initiatives like this bring us closer to a system where buying property is hassle-free, fraud-resistant, and fully paperless.

At Loan Bazaar , we’re committed to keeping you informed about every policy change that impacts your financial journey. Keep following us for the latest updates on property laws, home loan trends, and smart borrowing tips.

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