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Home > Home Loan > Property > What Every Home Buyer Should Know About Index 2/ Index II

What Every Home Buyer Should Know About Index 2/ Index II

January 31, 2025
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When purchasing a home and obtaining a home loan in India, several crucial documents play a key role in the legal and financial processes. Among these, Index II (or Index 2) stands out as an essential legal document issued by the Registrar of Assurances. Let’s delve into the details of what the Index II document entails, its importance, and how it fits into the home loan process.


What is an Index 2 Document?

An Index II document plays a vital role in home loans as an official record detailing the registration of a property transaction. Issued by the registrar’s office where the transaction is registered, this document serves as supplementary evidence alongside the primary property deed.

The Index II document contains key information such as:

  • Property Details: A comprehensive description of the property, including its size, location, and boundaries.
  • Parties Involved: Names and relevant details of both the buyer and the seller.
  • Transaction Details: Information about the transaction date, type (sale, lease, mortgage, etc.), and the property’s registration number.
  • Loan Details: If a loan is involved, it includes details of the mortgagor (borrower) and the mortgagee (lender).

How to Obtain an Index II Document Online

The Index II property document can be obtained from the registrar’s office or online through state government portals, thanks to the digitization of land records in India.

  1. Access the official website for your state’s land records

  2. Navigate to the property registration section

  3. Enter the necessary details, such as the property registration number, transaction year, or any other identifier required by the state.

  4. Verify the details provided to ensure accuracy.

  5. Pay a nominal fee, if applicable, to access the document.

  6. Download the Index II property document and save it for your records.


What Information Does the Index II Document Include?

The Index II document provides a detailed record of property transactions registered in Maharashtra, including:

DetailsDescription
Transaction AmountThe amount exchanged between parties such as buyers and sellers, or tenants and landlords.
Documents IncludedInformation from sale deeds, gift deeds, agreements for sale and rental contracts
Property InformationDetails including society, unit identity. building number, land area, parking space, survey number, and terrace area.
Market ValueThe market value as stated in the document.
Property AreaThe area of the property along with registration and enforcement dates.
Parties InvolvedNames, identity proofs, and addresses of all transaction parties.
Registration NumberA unique number for each document, detailing year of certification, institution title, and special ID.
Registrar’s OfficeName of the office where stamp duty and registration fees were paid, including the amount of these fees.

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Role of Index II Document in Home Loan Process

  • Document Submission: Borrowers are required to submit the Index II document along with other property-related papers as part of the home loan process.
  • Due Diligence by Lender: The lender uses the Index II document to perform thorough due diligence on the property.
  • Legal Verification: The document helps confirm that the property is free from legal disputes, encumbrances, or unresolved claims.
  • Securing the Loan: It ensures the property is a safe and reliable asset to secure the loan amount.
  • Protecting Interests: This verification safeguards the interests of both the lender and the borrower during the loan process.

How to Download the Index 2 Document?

Maharashtra offers an online service to search for and download certified copies of the Index II document. Follow these steps to access your digital Index II copy:

  • Step 1: Go to the official portal
  • Step 2: Create an account or log in if you are already registered.
  • Step 3: Choose your jurisdiction, which could be Mumbai, Rest of Maharashtra, or Urban Areas in Rest of Maharashtra.
  • Step 4: Enter necessary property details like village name, survey number, year of registration, and district name.
  • Step 5: Decide how you want to search. You can search by property details or by your name. If choosing “Search by name”, enter your first and last name in either English or Marathi.
  • Step 6: Click on “Search” to proceed.

Other Index Documents?

Yes, besides Index II, there are three additional Index documents that together constitute the Property Index Copy:

  • Index 1: This document records the initials and names of the parties involved in a property sale.
  • Index 3: Prepared in the presence of a will associated with the property.
  • Index 4: Lists all supporting documents related to the property.

While Index II is often used to verify the execution of transfer deeds, it does not validate the authenticity of the details within it. Rather, it confirms that the property has been registered under the involved parties’ names. 

Suggested Read: Legal Documents for Home Ownership


Conclusion

In summary, the Index II document is a vital component of property transactions and home loan procedures in India. It verifies the legality of the property and protects the interests of both borrowers and lenders. Homebuyers are advised to obtain and review the Index II document early in their property search and loan application journey to facilitate a seamless and secure purchasing process.

If you’re planning to secure a home loan for your next property purchase, Credit Dharma can help you find the best loan options. Reach out to Credit Dharma today and take the first step towards owning your dream home with ease!


Frequently Asked Questions

How can I obtain an Index 2 document in Maharashtra?

You can obtain it online through the Maharashtra government’s official property registration portal or by visiting the sub-registrar’s office.

What details are included in an Index 2 document?

It includes details like the names of the buyer and seller, property description, transaction date, and registration number.

Is the Index 2 document required for selling property?

Yes, it is a crucial document for verifying ownership and completing property sale transactions.

Is an Index 2 document legally binding?

Yes, it is legally binding as it provides official records of property transactions registered with the government.

How much does it cost to get an Index 2 document in Maharashtra?

The cost depends on where you obtain it. It’s generally free online, but there might be charges at the sub-registrar’s office.

Can I get an Index 2 document for older property transactions?

Yes, you can access Index 2 documents for older transactions through the government portal or the sub-registrar’s office.

What should I do if the details in my Index 2 document are incorrect?

You should immediately contact the sub-registrar’s office to rectify any errors in the document.

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