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 7 questions about your ownership documents, mutation status, Encumbrance Certificate, tax dues, and any litigation. You receive a readiness score out of 100 and a personalised report identifying gaps and recommended actions — emailed to you instantly.

The NRI Compliance Check evaluates your compliance across four areas: FEMA Compliance (whether your property acquisition follows Foreign Exchange Management Act rules), Tax Compliance (PAN, NRO/NRE accounts, TDS on rent and property sales), Document Compliance (Power of Attorney, title documents), and Annual Monitoring (revenue record and EC checks). You receive a compliance status — Compliant, Minor Gaps, Action Required, or Non-Compliant — with module-wise findings.

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 — at 20% for long-term capital gains (property held for more than 2 years) or 30% for short-term capital gains. The NRI can apply for a lower TDS certificate from the Income Tax department. Sale proceeds can be repatriated overseas after filing Form 15CA/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.