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How to Download Property Card Online?

The Property Card issue scheme is launched under SVAMITVA SCHEME by the government of India. A property card is a document that contains all the details of a property. It is a new initiative taken by the government of India. Property card includes information such as the owner’s name, property location, property boundaries, area of the property, taxes, and any liens or mortgages attached to the property. 

Property cards are maintained by local land records departments, and they are used for legal and administrative purposes. It is important to have a property card when buying, selling, or transferring property, as it provides a comprehensive record of all the relevant details of the property. In this post, we will take a look at the 5 important points about property card. I will also share the method to Download Property Card Online.

property card

5 Important Points about Property Card

#1 You can get a property card if your property is under TP

Property card is issued for every property covered under the town planning scheme. If your property is under TP you can get a property card. You need to visit the local city survey office. At the city survey office, you need to fill out the required form for getting a property card. You need to attach various documents such as registry documents, property bill documents, and in some cases additional documents such as a master file or property plan.

#2 Property Card Format & Details

The property card formats are different for different states. In some states, property cards are issued in regional languages. You can get format details on SVAMITVA portal under the download section.

Property card contains important information such as City Survey Number, T. P. No, F.P. No, Area (Sq. Meter), Use of property, Name of the holder, Mortgage detail, Other rights, property plan, etc. 

#3 Details about Rent & Loan

In case the property is given on rent, the property card also contains the detail about the tenant. This card also contains details about the property transfer history. This card also contains details if any loan is taken against this property or property is placed on a mortgage or not. This card also contains details about Neighbor right.

#4 Property Card Online Application

As of now the facility of applying for a property card online is available in the selected states. In the states where this facility is not available, you need to visit the local city survey office to apply for a new property card. You need to pay a fee to get a property card.

#5 Selling property without Property Card

The property card is an additional document. It is not mandatory. You can sell your property without a property card. You need to have the municipal property tax bill, sale deed, allotment letter, share certificate, city survey record, and 7/12 document (Satbara) records.

How to check Land Records of Property Online?

The method of downloading the property card is given below.

How to Download Property Card Online?

Although every state has its own system, here’s a general workflow that works across most platforms:

Step 1: Visit the Official State Land Records Portal

Search for your state’s land records website. Here are some popular ones:

State Portal Name Website
Maharashtra MahaBhulekh (Bhumi Abhilekh) bhulekh.mahabhumi.gov.in
Gujarat AnyROR anyror.gujarat.gov.in
Karnataka Bhoomi landrecords.karnataka.gov.in
Uttar Pradesh Bhulekh UP upbhulekh.gov.in
Tamil Nadu TN e-Services (Patta/Chitta) eservices.tn.gov.in
West Bengal Banglarbhumi banglarbhumi.gov.in

Step 2: Navigate to “Property Card” or “RoR”

Look for options like:

  • “Property Card Download”

  • “View Record of Rights”

  • “Urban Land Record”

  • “City Survey Card”

Step 3: Enter Property Details

You’ll need:

  • District, Taluka, and Village name

  • Survey number or CTS number

  • Plot number

  • Owner’s name (optional in some portals)

Step 4: View or Verify Details

Double-check:

  • Owner’s name

  • Survey number

  • Encumbrances (if any)

  • Land area

  • Type of land (NA, agricultural, residential)

Step 5: Download or Print the Property Card

Once verified, click on:

  • “Download PDF”

  • “Get Digitally Signed Copy”

  • Or simply take a printout if that’s allowed

Voila! Your property card is ready.

State-Wise Highlights: What’s Different Where?

Let’s look at some unique quirks and perks in major Indian states.

🏠 Maharashtra – MahaBhulekh

  • Offers digitally signed property cards.

  • Covers urban and rural areas.

  • You can also search by property owner’s name.

🛤️ Gujarat – AnyROR

  • Provides “View Land Record” for rural and “Urban Property Search” for city properties.

  • Quick and responsive portal.

🌾 Karnataka – Bhoomi

  • Offers RTC (Record of Rights, Tenancy, and Crops) for rural properties.

  • Has mobile app options too.

🌆 Tamil Nadu – TN Patta/Chitta

  • Gives access to Patta, which serves similar purpose.

  • Needs patta number and survey number.

🏡 Uttar Pradesh – Bhulekh UP

  • Clean interface, supports Hindi.

  • You’ll need Khata number or Khasra number.

Things to Keep in Mind Before Downloading

Don’t rush it! Keep the following pointers in your back pocket:

  • 🔒 Double-check the domain — ensure it’s a .gov.in website to avoid scams.

  • 🧾 Match names and numbers — even one typo can mess up your search.

  • 🖨️ Save a copy offline — keep a printed and digital backup.

  • 🔐 Use a secure internet connection — avoid public Wi-Fi when entering personal data.

Can You Update or Correct the Property Card Online?

Short answer: It depends.

While viewing and downloading are easy, updating property card records (like after a name change, inheritance, or address update) often requires:

  • Offline visits to the revenue office or municipal body

  • Submission of supporting documents

  • Sometimes, verification by a field officer

However, states like Maharashtra and Gujarat are rolling out partial digital update features.

Are There Mobile Apps for Downloading Property Cards?

You bet! Some states have official apps:

  • MahaBhulekh App – For Maharashtra

  • AnyROR Gujarat App

  • Dharani App – Telangana

  • Bhoomi Karnataka App

These apps usually mirror the functionality of the websites, offering search and view options. Always download from the Google Play Store or Apple App Store, not random APK links.

FAQs

1. Is the online property card legally valid?

Yes, as long as it’s downloaded from the official portal and includes a digital signature or verification stamp.

2. Can I use the property card for bank loans?

Absolutely! Banks require a property card as proof of ownership and legal status before approving home loans.

3. Do I need to pay any fee to download it?

In most states, it’s free, though some portals may charge a small fee for certified or digitally signed versions.

4. What if the details on the property card are wrong?

You’ll need to file a correction request at the nearest land revenue office with valid documents like sale deed, Aadhaar, etc.

5. How often is the property card updated?

Typically, updates happen when there is a sale, gift, inheritance, or court order. Still, it’s wise to verify every few years.

Gone are the days of waiting in long queues, dealing with cranky clerks, and drowning in paperwork. Downloading a property card online is as easy as ordering your favorite biryani—just tastier for your legal peace of mind!

🔑 Remember:

  • Use your state’s official portal

  • Keep all property details handy

  • Cross-check and verify before downloading

  • Save a copy offline and in cloud storage

The property card isn’t just a piece of paper—it’s your passport to peaceful property ownership, smart decision-making, and hassle-free transactions.

Job to Business – Scripted Life to Unscripted Life

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How to move from Job to Business – Scripted life to unscripted life. Recently, one of my friends asked me this question – I am doing a job, is it good to start my own business? Can you share your thoughts on the same?

Job in my opinion is modern-day slavery. Today, many people are living a scripted life. Scripted life means jugglery that doesn’t allow you to think beyond the limit. Well, it is not your fault.  

Because from childhood, you have been programmed for scripted life by different people. Go to School, Get a Good Grade, Get a Degree, Get a Good Job and Life would be settled. 

You are being programmed to do a job. However, if you are in a job and planning to start your own business here are 4 life-changing principles from the book Unscripted by M J Demarco.

job to business

Job to Business – Scripted Life to Unscripted Life

#1 Become A Producer Not A Consumer

In 1926, World’s Work Magazine has published an interview with a big businessman. In this interview, the question asked was – Why you have started giving two days’ leave to your worker for the same salary? 

The answer given by the businessman was, “Consumption Powers the scripted Mechanism”. He said, “Workers are producers and they are consumers”. By giving more leave they will try to consume more, clothes, food varieties, facilities, and services. By which consumption will increase. And to fill that consumption. We will ask them to produce more stuff like clothes, and food varieties from them. By which our profit will increase. And they will get trapped in this system.

For example, to buy an expensive smartphone, if you have to spend your monthly salary, Then remember that you have worked 30 days not for yourself but for that smartphone company. And if you want to get rid of this trap. Then you have to change your side.

You have to become producer from consumer. If you will consume less then you will have more time to produce.

There is a very good quote – “In a gold rush, don’t dig for gold, Sell shovels”. This means When the whole world wants to dig for gold, Then instead of digging for gold, Sell the things that will be used for digging the gold.

Many people complain that influencers, actors, and cricketers earn more money than doctors. At that time they are not aware of the “Law of Affection”. The law of affection means the more people you will affect positively, the more money you will earn.

And this is the reason that actors, cricketers, and influencers earn more than doctors. Because thousands of people go to see movies, cricket matches, or shows of influencers by buying tickets for thousands of rupees.

They make money in various ways including advertisements, affiliate marketing, and many more. Many people even purchase recommended products from influencers. 

This means cricketers, actors, and influencers are money-making machines. They affect millions of people and by which, they also earn millions of dollars.

The law of Affection says that You can earn $1M in two ways. One is “Affect a lot of people” which is called Scale.

And the second is “Affect people a lot” which is called Magnitude.

Scale means selling a $10 product to 1 lakh people. And magnitude means selling a $100000 product to only 10 people.

This magnitude technique is used by many brands like Louis Vuitton, Zara, Armani, and many more.

If you also want to start any business, you should focus on magnitude instead of scale. 

#2 Don’t Chase Events, Follow The Process

The top performers, you see on stage or on screen, are the result of deliberate practice done for many hours behind the curtain.

People living scripted life think that actors make blockbuster movies suddenly. They think that some youngsters make mobile apps that become multi-million dollar companies.

In actuality, it is not like that. There is a very long process hidden behind every event. That many people don’t see.

That I’m telling you by giving a real-life example. When you go to the mall to buy some groceries, then notice the things in others’ carts, almost 90% time you will find it’s an exact match.

Like in someone’s cart, if you see wafers, drinks, cookies, or fast food, then their body will be something like that.

Because the things they purchased will eat for weeks. This means they bring a chain of processes from the grocery stores. And the end result of that process seems to be their fat body.

You would have seen such people. After getting a business idea, they first make a logo and business card. In which is it written, founder and CEO of XYZ company. At that time they are the CEO of a company that has no products, no customers, and no profits, This process is known as Action Faking. Action faking means facking action without taking actual action.

For example, buying Nike Shoes before joining the gym is “Action Faking”. But going to the gym regularly by using the things available to you is Action Taking.

To come from scripted life you have to be an Action Taker not an Action Faker.

Because the owner of an idea is not who imagines it first. but one who executes that idea first.

The best example is Elon Musk. Because World was talking about Clean Energy, Electric cars, and trucks. And Elon Musk presented it to the world.

Elon thinks that people want the best solution to their problems. They don’t care about your Degrees, Marks, and Awards, So the things that matter is your Output and nothing else.

But you have to follow that process to get the desired output. Because Amazon also starts with one-line coding. And Harry Potter Book Series also started with writing a paragraph.

#3 Build A Brand, Not Just A Company

You have to build a brand not just a company. Have you ever asked a shopkeeper? Does the inventor of the product you are buying have a college degree or not? Never, why? 

Because a good product matters to you, not the degree of the inventor.

You also choose a doctor by the people’s recommendation not by seeing a degree. So if you build something and then made it a brand, not just a company, you can sell products or services at your own cost.

For example – Have you ever seen Ads for sports car companies like Ferrari or Lamborghini?

You will never see. Because they don’t run TV ads. Because they know, The people who watch TV. They don’t have so much money, that they can buy their cars.

“Be Specific”, don’t sell your products to anybody. Everybody will not buy your product.

And you can not create a brand with only a logo and website. But it is earned by your constant action and reputation.

#4 Graduation Is Not The End Of The Education

Many people don’t try to read or learn after graduation. They think that graduation means the end of education. But it is not true.

Your real-life starts after graduation. How you will use the things you have learned up till now?

You should keep learning even after graduation. The information you need to learn something, that is available on the internet.

Only you have to prioritize step by step, the solutions to the problems you want. When people start reading. Then they have a question. Which book to read? Then the answer is you should read the book that will give the best solution to your current problems.

This means If you have no money then reading books related to investing will be waste of time. Instead, you should read some books that teach you some skills. 

By which your earning increases. If you are a student. Then first focus on Self-discipline and Habit building.

You can come out from a scripted life job by learning something and implementing that in real life to solve people’s problems. 

So keep learning and keep growing.

Many great inventors and entrepreneurs in the world like Steve Jobs, Henry Ford, Sam Walton, and Elon Musk have lived an Unscripted Life.

I hope these 4 principles will help you to move from Scripted Life to Unscripted Life.

How to do mutual fund nomination online? – CAMS & KFintech

You have to update your nomination details in your existing Mutual Fund investments (Folios) on or before September 30, 2023, failing which folios shall be frozen by Asset Management Companies (AMCs) for debits like Redemption/SWP/Switch/STP. This is as per SEBI Circular. 

You must have read my last post on adding or updating the Demat account nomination and updated your Demat Nomination. In this post, I will be sharing a method to update mutual fund nomination online. You can update your all folio nomination in a single go using this facility.

mutual fund nomination online

How to do mutual fund nomination online?

You can add or update your mutual fund nomination online at CAMS and KFintech. Follow the method given below to update your nomination.

#CAMS 

Step 1 – Visit CAMS Online form of Change of Nomination.

Step 2 – Enter the investor PAN card number for which you want to update or change the nomination. Press the Next button.

Step 3 – On the next page you will be asked about the OTP option – “How do you want to receive OTP?” you can opt for a mobile or e-mail option.

Step 4 – On selection system will send OTP to your registered mobile number or e-mail address.

Step 5 – Enter the OTP and press the next button.

Step 6 – On the next screen you will be prompted to select a mutual fund house for changing nomination. You have the option to select a single fund house or all fund houses at a single go.

Step 7 – On pressing next you would be prompted with the mode of holding and action. You can either register the nominee, change/update the nominee or opt-out of the nomination. 

Step 8 – In the next tab you need to enter the Name of the Nominee, PAN Number of the nominee, DOB, allocation percentage, and relationship with the nominee.

Step 9 – Click on submit button after adding data. The system would generate OTP and on validation of OTP, the nomination would be updated in that portfolio.

You need to give nomination detail for every mutual fund folio number.

At CAMS online you can update the nomination of the following mutual fund houses.

  1. ADITYA BIRLA SUN LIFE ASSET MANAGEMENT COMPANY LTD
  2. DSP MUTUAL FUND
  3. FRANKLIN TEMPLETON MUTUAL FUND
  4. HDFC ASSET MANAGEMENT COMPANY LIMITED
  5. HSBC ASSET MANAGEMENT INDIA PVT LTD
  6. ICICI PRUDENTIAL MUTUAL FUND
  7. IDFC MUTUAL FUND
  8. IIFL ASSET MANAGEMENT LTD
  9. KOTAK MAHINDRA MUTUAL FUND
  10. MAHINDRA ASSET MANAGEMENT COMPANY PRIVATE LIMITED
  11. PPFAS ASSET MANAGEMENT PRIVATE LIMITED
  12. SBI FUNDS MANAGEMENT PVT LTD
  13. SHRIRAM ASSET MANAGEMENT COMPANY LIMITED
  14. TATA MUTUAL FUND
  15. UNION ASSET MANAGEMENT COMPANY PRIVATE LIMITED

#KFintech

Step 1 – Visit KFintech Mutual Fund Nomination Update Link.

Step 2 – Enter the Investor’s PAN Number select the mode of holding and Folio Option.

Step 3 – Select Mobile Number E-mail ID from the Drop down menu.

Step 4 – Click on the Generate OTP button.

Step 5 – On OTP validation your portfolio would be displayed on the screen.

Step 6 – Select the Folio number and the form would be opened to enter nomination details.

Step 7 – Enter the nomination detail and click on the save button.

Step 8 – OTP would be generated for validation and your nomination would be updated or changed.

At KFintech you can update the nomination of the following mutual fund houses.

  1. AXIS ASSET MANAGEMENT COMPANY LIMITED
  2. BNP PARIBAS ASSET MANAGEMENT INDIA PRIVATE LIMITED
  3. BOI AXA INVESTMENT MANAGERS PVT LTD
  4. CANARA ROBECO ASSET MANAGEMENT COMPANY LTD
  5. EDELWEISS ASSET MANAGEMENT LIMITED
  6. IDBI MUTUAL FUND
  7. INDIABULLS ASSET MANAGEMENT COMPANY LIMITED
  8. INVESCO MUTUAL FUND
  9. ITI ASSET MANAGEMENT LIMITED
  10. JM FINANCIAL ASSET MANAGEMENT LIMITED
  11. LIC MUTUAL FUND
  12. MIRAE ASSET GLOBAL INVESTMENT MGMT INDIA P LTD
  13. MOTILAL OSWAL ASSET MANAGEMENT COMPANY LIMITED
  14. NAVI MUTUAL FUND
  15. NIPPON INDIA MUTUAL FUND 
  16. PGIM INDIA ASSET MANAGERS PVT LIMITED
  17. Quant Mutual Fund
  18. QUANTUM ASSET MANAGEMENT COMPANY PVT LTD
  19. SAMCO MUTUAL FUND
  20. SUNDARAM MUTUAL FUND
  21. TAURUS ASSET MANAGEMENT COMPANY LIMITED
  22. TRUST MUTUAL FUND
  23. UTI MUTUAL FUND

I hope the details given above will help you in updating your mutual fund folio nomination. If you have any issues updating nomination details you can visit the mutual fund’s website or visit your DP office to fill up the nomination form.

Top Performing ELSS Schemes for Investment 2023 – 30% Returns in 3 Years

ELSS – Equity-linked saving scheme is one of the most popular tax saving schemes. ELSS gives far better returns compared to other tax-saving investment options such as tax saver FD, NSC, PPF, or life insurance.

In case you are planning to invest money for tax-saving purposes you must consider ELSS. In this post, I will share the Top 5 ELSS Schemes for Investment in 2023 -24. 

What is ELSS?

ELSS is a special type of scheme that provides the investor with tax deduction benefits under section 80C of the Income Tax Act up to a limit of Rs.1,50,000 per year. An ELSS must hold at least 80% of the portfolio in equity securities. The investment made by the investor in ELSS is locked-in for three years during which it cannot be redeemed, transferred, or pledged.

ELSS Benefits

SIP and Lumpsum Option 

ELSS offers you a lump sum as well as SIP (Systematic Investment Plan) options. This means you can invest in this fund in a single go or regularly via the SIP route at a specified date automatically. The SIP option gives you the additional benefit of averaging and staggering investment in mutual funds.

Lowest Lock-in Period 

ELSS comes with a lock-in period of 3 years. It is the lowest compared to any other tax-saving investment options. PPF comes with a lock-in period of 15 years. NPS has a lock-in period up to retirement age. Tax saving FD comes with a Lock-in period of 5 years. This clearly means ELSS offers better liquidity than all other tax-saving investment options.

Potentially Higher Returns 

ELSS scheme returns are linked with the market. This means you will get returns linked with the market. Other investment options such as PPF, and FD offers fixed returns on the other hand ELSS has the potential to generate higher returns in a medium to long-term investment horizon.

Multiple Mutual Funds Options 

Mutual funds are available in a variety of options. For investing, you have the liberty to choose from a variety of mutual funds. You can select a single mutual fund or multiple mutual funds while investing.

Looking at the benefits offered by ELSS mutual fund schemes you must be interested to invest in ELSS. Here are Top Performing ELSS Schemes for investment.

ELSS 

Top 5 ELSS Schemes for Investment 2023 – 30% Returns in 3 Years

#1 Parag Parikh Tax saver Fund – Regular Fund Growth

Parag Parikh Tax Saver Fund is one of the top-performing ELSS Mutual Funds recommended for investment. 

Rationale

  • Parag Parikh Tax Saver is five stars rated fund by CRISIL. Parag Parikh Tax Saver Fund has generated 35% returns for investors in the last 3 years.
  • Parag Parikh Tax Saver fund has 80.89% investment in domestic equities of which 65.06% is in Large Cap stocks, 3.12% is in Mid Cap stocks, and 8.96% is in Small Cap stocks. The fund has 8.18% investment in Debt, of which, 8.18% is in Low-Risk securities.
  • The expense ratio of this fund is slightly higher. This fund is recommended for long-term investment.

 #2 HDFC Tax Saver Fund – Growth

HDFC Tax Saver Fund – Growth is next on the list of Top performing ELSS mutual funds for investment.

Rationale

  • HDFC Tax Saver Fund is five stars rated fund by CRISIL. This fund has generated 34% returns for investors in the last 3 years.
  • HDFC Tax Saver fund has 94.83% investment in domestic equities of which 69.95% is in Large Cap stocks, 7.64% is in Mid Cap stocks, and 4.53% is in Small Cap stocks. This means it is a well-diversified fund for investment.
  • The expense ratio of this fund is slightly lower. You can plan to invest in this fund for the long term.

 #3 PGIM India ELSS Tax Saver Fund – Growth

PGIM India ELSS Tax Saver Fund – Growth is also one of the good choices for investment in ELSS.

Rationale

  • PGIM India ELSS tax saver fund is a four-star rated fund by CRISIL. This fund has generated 34.6% returns in the past 3 years.
  • PGIM India ELSS tax saver fund has 93.72% investment in domestic equities of which 64.83% is in Large Cap stocks, 11.12% is in Mid Cap stocks, and 4.84% is in Small Cap stocks. The fund has 0.44% investment in Debt, of which 0.44% is in Government securities.
  • The expense ratio of this fund is slightly higher.

#4 Quant Tax Plan

Quant Tax Plan is next on the list of top-performing ELSS funds for investment.

Rationale

  • Quant Tax Plan is five stars rated fund by CRISIL. This fund has generated extraordinary returns for the investor. In the past three years, this fund has generated 52% returns.
  • Quant Tax Plan fund has 98.45% investment in domestic equities of which 57.38% is in Large Cap stocks, 13.07% is in Mid Cap stocks, and 7.36% is in Small Cap stocks.
  • The expense ratio of this fund is slightly higher, however, looking at the returns generated by this fund it is the recommended fund for investment. 

#5 SBI Long-Term Equity Fund – Regular Fund Growth

SBI Long-Term Equity Fund is one of the best-performing ELSS funds for investment.

Rationale

  • SBI Long-Term Equity Fund – Regular Fund Growth is a four-star rated fund by CRISIL. This fund has generated 33.96% returns for investors in the last 3 years.
  • SBI Long-Term Equity Fund has 90.01% investment in domestic equities of which 58.5% is in Large Cap stocks, 13.85% is in Mid Cap stocks, and 8.85% is in Small Cap stocks.
  • The expense ratio of this fund is slightly lower.

Over to you

The ELSS funds mentioned above have generated very good returns for investors in the past. Looking at all other aspects these funds are expected to generate very good returns for investors in the future. You can consider these ELSS Funds for investment.

Note – Returns mentioned in the ELSS given above are Annualised Returns as of 25th April 2023.