CERSAI Check: The Government Database That Can Save Your Plot

What Is CERSAI?

CERSAI stands for Central Registry of Securitisation Asset Reconstruction and Security Interest of India. It's a government-mandated central registry that records all security interests created over immovable properties — essentially, all mortgages and loans taken against land.

Why Should Plot Owners Care?

If any bank or financial institution has taken your property as security (collateral), it must be registered on CERSAI. But fraudsters have found ways to register unauthorized charges — either by forging documents or bribing local staff.

The Fraud Pattern

A common scam in Delhi NCR:

1. A local broker obtains KYC documents of a non-resident owner (sometimes through registry office contacts).
2. They approach a cooperative bank or NBFC with forged power of attorney.
3. A loan is taken against the property.
4. The fraudster disappears. The bank comes after the actual owner.

CERSAI would show this registration. A timely check = discovery before you're blamed.

Checking CERSAI

The CERSAI portal allows public searches. You need the property details (district, survey number). PlotPolice runs these checks for all clients and flags any unauthorized entries immediately via WhatsApp alert.

What to Do If You Find an Entry

1. Do not panic — file a complaint with the Sub-Registrar immediately.
2. Preserve the CERSAI search result as evidence.
3. File an FIR citing forgery and fraud.
4. Engage a property lawyer to file for discharge of the fraudulent charge.

Acting within 90 days dramatically improves the chance of resolution.