Free property tools
for NRIs and Indian expats

The Title Readiness Check is a free tool that evaluates how prepared your India property is for a sale, transfer, or mortgage. You answer a few quick questions about your ownership documents, mutation status, Encumbrance Certificate, tax dues, and any litigation. You receive a personalised readiness report listing missing documents, items to verify, observations, and recommended next steps — emailed to you instantly.

The NRI Compliance Check evaluates your compliance across four modules: FEMA Compliance (property acquisition rules, RBI approvals), Tax Compliance (PAN, NRO account, rental/sale TDS, ITR filing, Form 15CA/15CB), Document Compliance (title deed, EC, mutation, property tax, POA, will), and Annual Monitoring (revenue records, encumbrance, insurance, inspection, caretaker). You receive a per-item compliance report showing what is compliant, what needs attention, and critical actions required.

These tools are designed for Indian expats (NRIs and OCIs) and absentee property owners who own or manage real estate in India from abroad. They are also useful for resident Indians who want to assess their property's transaction readiness before a sale or mortgage.

Yes. The NRI Compliance Check specifically covers OCI cardholder rules, including the FEMA restriction on owning agricultural land and the requirement to hold NRE/NRO accounts instead of regular savings accounts. The Title Readiness Check is equally applicable to OCI cardholders.

Under the Foreign Exchange Management Act (FEMA), NRIs and OCIs can freely purchase residential and commercial property in India. However, they cannot purchase agricultural land, plantation property, or farmhouses — these can only be inherited or received as a gift from a resident Indian. NRIs must also hold NRO or NRE bank accounts (not regular savings accounts) and ensure TDS is deducted by tenants and buyers at the applicable rates.

An Encumbrance Certificate (EC) is a document issued by the Sub-Registrar's Office that records all registered transactions on a property — mortgages, sales, liens, and court attachments. A recent EC (covering at least 13 years) confirms that the property is free from hidden charges or claims. It is one of the most commonly required documents during property due diligence and registration.

Mutation (also called Khata transfer, Patta transfer, or updating the Record of Rights / Form 1B) is the process of updating government revenue records to reflect a change in property ownership. It is required after purchase, inheritance, or gift. Without mutation, the government records still show the previous owner's name, which can create complications during sale, tax assessment, and dispute resolution.

When an NRI sells property in India, the buyer is legally required to deduct TDS under Section 195 of the Income Tax Act. Following the Budget 2024 changes, long-term capital gains (on property held for more than 24 months) are taxed at 12.5% without indexation — roughly 14.95% effective after surcharge and 4% cess. Short-term gains are taxed at the seller's slab rates. TDS is applied on the full sale consideration, not just the capital gain, unless the seller obtains a Lower Deduction Certificate under Section 197 from the Assessing Officer before the sale. Critically, the buyer must file Form 27Q (and not Form 26QB, which only applies to resident sellers) — filing the wrong form is a very common mistake. Sale proceeds can be repatriated overseas after filing Form 15CA and Form 15CB.

Both tools are completely free and require no account creation. You answer the questions, provide your email, and receive your personalised report instantly. Assetly is a property management platform for Indian expats — the free tools are designed to help you understand your property's status and decide whether you need deeper support.

Your answers and email are used solely to generate and deliver your personalised report. Assetly does not sell your data to third parties. You may receive a follow-up from the Assetly team about how the platform can help address the gaps identified in your report.