Empowering Property Deals: A Comprehensive Guide to CERSAI

by  Adv. Deepak Pandey  




5 mins


Guide to Secure Property Transactions in India


In the complex world of property transactions and lending in India, the role of CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India) is pivotal.

Established to combat fraudulent activities in property dealings and lending, CERSAI ensures transparency and security in transactions involving equitable mortgages. This article delves into the intricacies of CERSAI, explaining its functions, registration process, and its impact on the banking and real estate sectors.

What is CERSAI?

CERSAI is a government-licensed organization under Section 8 of the Companies Act, 2013. Its primary objective is to prevent fraud in lending transactions, particularly those involving multiple loans on the same property.

Before CERSAI’s inception, property transactions lacked proper registration, leading to fraudulent activities like falsification of deeds and selling properties with undisclosed debts. CERSAI’s verification system has revolutionized this, ensuring safer and more transparent property transactions.

Are you curious about learning the legal aspects of loan recovery? Explore the detailed guide on the SARFAESI Act, 2002 for more insights.

Confused about CERSAI regulations? Let our legal experts simplify your property dealings and ensure compliance. Contact us for a consultation today!

Key Stakeholders and Ownership

CERSAI is majorly owned by the Central Government of India, with significant stakes held by public sector banks like the State Bank of India and Punjab National Bank, and the National Housing Bank. The Reserve Bank of India (RBI) also plays a crucial role in its operations.

Accessibility and Benefits

CERSAI’s registration platform is accessible to banks, financial institutions, and individuals for a fee. This system allows lenders to verify if a property has any existing security interests before approving loans. It’s particularly beneficial for legitimate property buyers, providing them with essential information to ensure the property is free of liabilities.

To understand the Importance of Mortgage Checks in India and How to do it Online, follow our step-by-step guide.

Navigating property laws can be complex. Our seasoned legal team is here to help you with every step of your property transaction. Book your legal consultation now!

CERSAI 2.0: Navigating the New Interface

The launch of CERSAI 2.0 brought a more user-friendly interface for users. Here are some tips for accessing the new version:

  1. Clear your browser history before accessing.
  2. Use the direct URL: https://cersai.org.in/CERSAI/home.prg.
  3. Avoid using search engines to locate the website.

CERSAI’s Key Functions

CERSAI’s primary role is to maintain a database of all mortgaged properties in India, serving banks, housing finance companies, and non-banking financial companies. It also operates the Central KYC Record Registry (CKYCRR) to support various financial regulatory bodies.

CERSAI Registration Process

The registration process on CERSAI is straightforward:

  1. Visit the official website.
  2. Complete the online registration form under ‘Entity Registration’.
  3. Ensure you have an electronic signature or CKYCRR for verification.
  4. Submit the form along with necessary documents to the CERSAI office.

CERSAI Charges

CERSAI imposes minimal charges for registration, varying based on the loan amount. These charges are crucial for the registration of security interest and are applicable irrespective of loan approval or rejection.

CERSAI Search: Ensuring Transparency

CERSAI search is a tool available to all, ensuring a corruption-free registration system. It allows stakeholders to verify property details and existing collaterals before proceeding with transactions.

CERSAI in Banking and Legal Framework

CERSAI plays a vital role in the banking sector, acting as a central repository for information on security interests over properties. It’s also integral to legal frameworks like SARFAESI Act, Companies Act, and Insolvency and Bankruptcy Code, providing a reliable source for verifying security interests.

Don't let legal complexities of CERSAI affect your property deals. Our legal experts specialize in property law and can guide you to safe and secure transactions. Get in touch for personalized legal advice!


CERSAI has significantly contributed to reducing fraudulent activities in property transactions and lending in India. Its comprehensive database and transparent processes have made it an indispensable tool for banks, financial institutions, and property buyers. Understanding and utilizing CERSAI’s services can greatly enhance the security and efficiency of property-related transactions.


Q1. What is CERSAI’s role in banking?

Ans1. CERSAI serves as a central repository for information on security interests over properties, aiding in informed decision-making in the banking sector.

Q2. Is CERSAI search accessible to everyone?

Ans2. Yes, anyone can access CERSAI search for a nominal fee.

Q3. Is a digital signature necessary for CERSAI registration?

Ans3. Yes, a digital signature or CKYCRR is required for online registration.

Navigating the complexities of property laws and CERSAI regulations can be challenging. But you don't have to do it alone. Our expert legal team is here to provide you with comprehensive guidance and support every step of the way. From ensuring compliance with CERSAI to handling intricate property transactions, we've got you covered.

Adv. Deepak Pandey

Adv. Deepak Pandey


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Deepak Pandey offers legal consultancy and advisory services with a keen emphasis on ethical and professional conduct to achieve favourable results. He has 5 years of experience in handling legal cases. As a result of his strong communication skills, Deepak is able to present his clients' cases with clarity and persuasion.

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