Blog Page 266

How to Apply for Property Card Certificate?

Making a property card is easy today. You can get your property card by applying online as well as offline. It is important to get your property card as it helps in multiple ways. Real estate is an unorganized sector where a lot of black money is involved. 

It is important to bring clarity to property ownership. It is one of the methods to bring clarity to land and property records.

The online system of cards will help in making land and property-related transaction full proof where there is no scope for any fraudulent activities.

What is a Property Card?

A Property Card or Certificate is a smart card that contains all information about your property. A property card is issued by the government of India. The property card acts as proof that you own the mentioned property. It acts as a handy record for the property. 

You need to apply at a government office to get your property card. You can apply for this card online as well as offline.

Property Card

How to Apply for a Property Card Certificate?

The process of applying for a property card online is given below.

Apply Online

  1. Visit the official website of the Land and Development  – Ministry of Housing and Urban Affairs – Government of India.
  2. On the Home Page, Click on the eDharti portal.
  3. You will be redirected to the eDharti page.
  4. Click on the “Login” tab.
  5. It then redirects the online applicant to a new page.
  6. Click on the “New User” tab.
  7. You will be prompted with the options “Official Registration” and “Applicant Registration” on the New User Registration Page. Select Application Registration. 
  8. Enter any one of the Document Numbers out of the given options: Aadhaar/PAN/Passport/PION/OCIN
  9. On the Applicant Registration page, Enter the Name of the Applicant, Date of Birth, and Gender, and enter the Security Code.
  10. In the Application Registration, Enter the Name of the Father/Husband.
  11. In the Address Section, Enter State, City, PIN code, House Number & Street.
  12. Enter your Mobile Number and email Address and Upload the Applicant Photo. Click on the “Next” button.
  13. After clicking on the “Next” button, it displays the Applicant Details which you have entered before in the personal details.
  14. In the Property Details Section, Select Land Type, Property Type, Property Sub-Type, Colony, Block Number, Plot Number, Lease Number, and Property Known as.
  15. In the Security Details Section, enter the security details.
  16. Then complete the Registration Process which gives the alert – Thank You for Registration.
  17. Click on the “Acknowledgement”, and the Filled Application Form gets downloaded in PDF Format.
  18. After submission of this registration form, the system issues the property card.
  19. To View, Print & Download Property cards online, go to the Official Website of the Dharti Portal.
  20. A map will open in front of you.
  21. On the homepage map, you have to enter the address you are looking for. After entering the address, press enter.
  22. Zoom to the exact location to see the property card.
  23. On selecting the property you will see various options, such as;
    • View property card
    • Misinformation
    • View geotagged images etc.

Click on the “View Property Card” option from these options Now, the card will open on your screen which contains the details of the property such as the type of land, the status of the land, shareholding details, etc.

To download the file, click “Click here Print” and take a printout.

How to check Property Records and Land Records online in India?

Apply Offline In-Person

  1. To apply for a Property Certificate in person, the applicant has to visit the nearest office of the Directorate of Town & Country Planning. Please use this link to get contact details: Link or refer to the “Office Location and Contacts” section of this page.
  2. Visit the office and get an application form for a Property Certificate. Or download it from the following Link to the Application Form and Related Documents
  3. Complete the application form with appropriate information under the relevant sections. Please refer to the “Required Information” section for more details.
  4. Once completed, make sure to attach all the documents listed under the “Required Documents” section of this page.
  5. Pay the nominal fee of ₹1000 and attach a challan for ₹50.
  6. Submit the completed application form and its attachments to the relevant authority at the office.
  7. Post submission, the application form will be forwarded for verification.
  8. Once all the internal processes are over, those who have applied for the Property Card will receive an SMS alert, which informs the applicant about the current status of the Card.
  9. The applicant can collect the certificate in 2 to 3 weeks after due verification from the nearest office of the Directorate of Town & Country Planning or from the local panchayat office.

Documents Required for Property Certificate

  • Application Form for Property Certificate
  • Notarized Affidavit (₹10/-)
  • Statement of Applicant with one Photograph (to be filled in by applicant)
  • VRO Enquiry Report (to be filled in by the Office)
  • RI Enquiry Report (to be filled in by the Office)
  • Property Certificate (2 Copies) (to be generated by Office)
  • Documents Filed
  • Challan for ₹50/-
  • Sub-Registrar Valuation Form
  • ROR 1-B/Adangal/ Registration or Succession Documents
  • Ration Card

Property Card Websites

Gujarat Website – https://e-milkat.gujarat.gov.in/GeneralReport.aspx

Maharashtra Website – https://bhulekh.mahabhumi.gov.in/

Mumbai Website – https://prcmumbai.nic.in/jsp/propertyNew.jsp 

Fees Associated with a Property Card Certificate

The cost varies by state and municipality. Common fees include:

  • Application Fee: ₹100 – ₹500
  • Processing Fee: ₹500 – ₹2,000
  • Urgent Processing Charges: Additional ₹1,000 – ₹3,000

Benefits of Having a Property Card Certificate

  • Ensures Transparency: Clear ownership records reduce fraud risks.
  • Simplifies Legal Transactions: Required for buying, selling, or mortgaging property.
  • Aids in Government Processes: Useful for property tax calculations and municipal planning.
  • Enhances Investment Security: A verified document adds credibility when applying for home loans.

How to Update or Correct a Property Card Certificate?

If errors exist, follow these steps:

  1. Visit the local municipal office.
  2. Submit an application for correction or update.
  3. Provide supporting documents for the requested changes.
  4. Pay the necessary correction fee.
  5. Await verification and issuance of the updated certificate.

What Does the Property Card Include?

This isn’t just a fancy title; it’s a treasure trove of info.

Expect to see:

  • Owner’s name

  • Survey number and CTS number

  • Property boundaries

  • Type of land use (residential, commercial, etc.)

  • Details of any loans or disputes

  • Area in square meters or hectares

Property Card vs 7/12 Extract: What’s the Difference?

Feature Property Card 7/12 Extract
Location Urban Areas Rural Areas
Use Land ownership details Agricultural land records
Maintained By City Survey Department Revenue Department
Document Type Urban land record Village land record

FAQs

1. Can I apply for a Property Card Certificate online?

Yes, many states offer online application services through their official land records portals.

2. How much does it cost to get a Property Card Certificate?

The cost varies but typically ranges from ₹100 to ₹2,000, depending on the state and urgency.

3. What if my application is rejected?

Check the rejection reason, rectify the issue, and reapply with the necessary corrections.

4. How long is the Property Card Certificate valid?

It remains valid indefinitely unless there are ownership changes or updates required.

5. Can a legal heir apply for the certificate?

Yes, legal heirs can apply by submitting succession documents and proof of inheritance.

6. Can I apply for a Property Card Certificate without a sale deed?

Nope. The sale deed is the primary document proving ownership. Without it, the process gets tricky — you may need additional legal documents or verification from the revenue department.

7. Is the Property Card the same as the land title?

Not quite. While it supports your ownership claim, it’s not a substitute for the legal title. Think of it as a snapshot of ownership rather than the full ownership chain.

8. How long is a Property Card valid?

There’s no official expiry. However, you should update it after any legal changes like inheritance, resale, or subdivision of property.

9. What if there’s a name mismatch in my documents?

It happens. You’ll need to submit an affidavit, along with supporting documents like your ID and proof of change (like a gazette notification).

10 . Can I apply on someone else’s behalf?

Yes, but only with a valid Power of Attorney. The authorities won’t entertain random third-party applications without proper authorization.

11. Is the property card mandatory for selling my property?

Absolutely. Buyers will want to verify your ownership. Having a property card makes the sale transparent and risk-free.

12. Can I apply for multiple properties at once?

You sure can, but you’ll need to fill out separate applications for each property. Don’t try to bundle them—it’ll just slow things down.

13. Is there a difference between a property card and a mutation certificate?

Yes. A mutation certificate reflects changes in ownership, while a property card shows the current legal status of the land.

14. What if my property details aren’t available online?

That’s common in older properties. You’ll need to visit your local land office and ask for manual assistance or physical records.

15. Are digital copies legally valid?

Yes, especially if they’re issued through official portals. They often come with digital signatures or QR verification to prevent fraud.

By following this guide, you’ll navigate the application process with ease, ensuring your property is well-documented and legally secure!

Final Words

As per me, it is a very good initiative that will surely help in the following ways –

  • Reduce/remove fraudulent transactions. 
  • It is a step towards the digitalization of property records. 
  • Prove the authenticity of the Property owner.
  • The record can be accessed online anywhere anytime.
  • A handy property card/smart card will make the life of a property owner easy as it is easy to carry.
  • Record keeping also helps in preventing revenue leakage.

Solve your NPS Queries via WhatsApp – Know How?

Now you can solve any NPS-related queries using WhatsApp. You need not visit the NPS office. The National Pension Scheme (NPS) backed by the Pension Fund Regulatory and Development Authority (PFRDA) has launched a WhatsApp service for NPS subscribers. The NPS Trust shared on Twitter, “Dear Subscribers, NPS Trust is on WhatsApp now to address your queries on NPS!! Connect with us @ 918588852130.” It is a chatbot solution that provides information on WhatsApp.

NPS is National Pension Scheme backed by the government. It is a low-cost investment product that offers market-linked returns and tax benefits. Any Indian resident aged between 18 years to 70 years can open an NPS account. NPS accounts can be opened online as well as offline via Point of Presence (POPs) in banks. 

There are two types of NPS accounts Tier I and Tier II. For more information about NPS accounts, you can refer to my earlier post – How to open eNPS account online?

eNPS website offers services such as changes in scheme preference, withdrawal, altering investment options, and redeeming the investments during exit. Now with the new WhatsApp service available, investors can post their NPS-related queries from the comfort of their homes.

NPS Queries WhatsApp

Solve your NPS Queries via WhatsApp – Know How?

Here is a step-by-step process to solve your NPS queries via WhatsApp.

Step 1 – First save +91-8588852130 in your contact list. Open your WhatsApp chat and send a “Hi” message to the NPS mobile number +91-8588852130.

Step 2 – You will get a list of options on WhatsApp. This includes NPS, PFRDA, APY, PF & Contribution, PRAN & CRA. Select the appropriate options and you will be taken to the respective services. 

Step 3 – If you select NPS you will be prompted with options such as contributions, eNPS, changing investment patterns, exit, and withdrawals. Post your query as per requirement. 

Step 4: If your query does not match the options given in the list, you can click on the “Need More Help” option. You will get a reply from the NPS Trust saying, “Please mail your queries to grievances@npstrust.org.in or contact us at 011-47207700 for us to assist you with a response to your query!”.

If you still need further help, you can call on the eNPS NSDL helpline number 022-2499 3499. Alternatively, you may call on the toll-free number 1800 222 080 from your registered mobile number for more information. 

Over to you

Overall this is a very good facility that will help everyone, especially elders in solving their NPS-related queries at any time, anywhere. 

10 High Income Skills 2026

Go to school get good grades and get a degree or get a diploma and you will be successful in your life. 

I think you have heard this story before and probably you have already recognized that a dead dog doesn’t hunt right you also recognize that things have changed having a degree having a certificate and having a diploma is probably not going to get you to where you want to go. 

If that’s the case why are so many students who graduate they’re struggling to pay off just a student loan why they are not getting a good job??

I truly believe that we have shifted from a job economy to now what I call the skill economy it is not the degree that pays the bills it is the high-income skill that pays the bills so today I want to share with you 10 high-income skills that I believe that will help you to become rich and successful. 

It is not easy to learn these skills but if you learn these skills believe me it will pay off forever.

Now, in case you don’t know what a high-income skill is I define high-income skill as a skill that you could develop in a short period that will make you a minimum of $5000 a month. Basically, seven figures a year without a degree.

That’s how I define high-income skills. Now notice, I did not say a high-income job.

I’m not talking about a high-income job. I’m talking about a particular skill set that you can bring value to the marketplace in exchange for money.

So let me share with you 10 High Income Skills. 

High Income Skills 2024

High Income Skills 2025

#1 AI & Machine Learning 

AI & Machine Learning are Top High Income Skills nowadays. The Market of AI is growing exponentially. If you develop AI & machine learning skills you can make a decent income.

Now, why this skill is this a valuable? Why it is a high-income skill? Because we live in an AI and Digital era. Companies are spending a lot of money on AI, machine learning, and automation. Learning these skills gives you an edge over others. 

#2 Closing Skill 

Closing is the ability to convince or to persuade someone in person or on the phone to buy from you it is very very simple.

Now the challenge is most people have a negative association with the word sales. They think sells is such a bad thing it’s if there are a lot of negative feelings towards sales or closing but in life, if you don’t know how to communicate if you don’t know how to articulate your own value well it’s very very difficult for you to get anything or to get ahead in life and closing it’s not taught in school there’s no closing now when it comes to closing the key is I would recommend don’t just close for low ticket items

something that’s a thousand or two thousand rupee to be successful to earn more money you should focus on high ticket closing something for fifty thousand or lakhs of rupee because your commission from there will be much greater compared to you which is closing a low ticket item.

#3 Consulting Skill

Consulting skills is a very good high-income skill because of the complexities because there are so many changes that are happening in the business world companies need help they need guidance they need advice need consultants.

I’m talking about social media consultants it could be management consultants it could be leadership consultants it could be sales consultants it could be technical consultants there are so many areas a business needs consultants so consulting is a very very valuable skill to develop the great thing about being a consultant is you don’t need a lot of money to make a great living if you’re charging a retainer meaning you’re charging a monthly fee to consult with a client and if you are high ticket you only need in some cases a couple of clients to make a solid seven-figure income so consulting is one of those very very valuable skills that you want to look into in this skill economy 

#4 Coding or Software skill

Now with so many tech companies with so many apps, the marketplace is hungry, hungry for good coders good people with good coding skills I mean I spend several thousands of rupees on coders and software developers for my company and we’re always looking for good people so coding now when it comes to coding is it better if you start early to learn how to code if you are in middle or old age it’s not so easy but for young people, it is an area that will always be demanding and always pays money.

#5 Cyber Security 

Cyber security or Information security is a high-income skill. Most companies online and offline hire information security specialists.

The specialist can help companies to defend against threats, data leakage, and cyber-attacks. 

The usage of the internet is growing and it poses a high-security risk. Every day we keep on hearing incidents about of hacking and cyber-attacks. 

It is not easy to become a cyber security professional but I am 100% sure that cyber security is an extremely valuable skill that can get you a very good income year on year. 

#6 Funnel Building Skill

I am not talking about building a typical website. I am talking about building a sales funnel. It could be a webinar funnel it could be a landing page it could be a lead magnet funnel all these terms if you understand that’s okay but there’s a huge market out there for people looking for funnels meaning they’re looking for a way to take the attention to take the traffic and convert that traffic on the internet into sales and if you are someone with that particular skill set that can help them to do this you could earn a lot of money be very successful with this again companies out there they’re constantly looking for ways to increase sales. If you have the ability to provide this service funnel building skills are a very valuable skill. The funnel building has some specific requirements. You need to be a good copywriter you have to have some copywriting skills maybe you have some designing skills because of different elements on a funnel right so if you think about this particular skill set or other skill sets in some cases that it is a skill within a skill right you need different skill sets in combination combined to be able to perform this particular skill set.

#7 Public Speaking Skill

Public speaking is a very good high-income skill. Public speaking requires a lot of confidence, knowledge, and skill to connect and articulate things. 

You see today most of people are afraid to present they are afraid to speak to groups and that’s what makes public speaking so valuable. 

Companies and organizations are always looking for speakers and they’re willing to pay a good premium for good speakers. But public speaking is not easy to develop because most people are afraid of rejection they’re afraid of public embarrassment but if you could overcome that and you have expertise that is valuable to a corporation and company, public speaking skill is a great skill to master. 

#8 Chatbot Marketing Skill 

Now, what is a chat box now if you think about email back in the old days we still have it we have what we call an autoresponder meaning is a series of emails pre-written in a sequential manner so when you opt into something when you are on a website you give your email name and address to get more information in a period you will get these automated messages from the vendor or the business. 

Chatbots are extremely powerful. They can reduce the manpower for the business. There is a huge demand out there for this chatbot marketing skill why because everything is shifting to mobile.  

Chatbot Marketing is a new high-income skill that is in demand and most people don’t even know that it exists now to be a good chatbot kind of marketer you will need to have some copywriting skills as well as some basic kind of organizational or technical skill but it’s not complicated it is learning a boat. Now it’s going to take some time it’s not easy but it is learnable.

#9 System Skill 

System skill is very good high-income skills. Because of now with technology companies also need a lot of expertise they need someone to come into the company to help them organize different things in different aspects of the business. It could be their processes. It could be their work culture it could be their process flow there are so many things that they need someone to come in even for projects right so system skill is a very valuable skill to have especially if you can specialize in a certain area. Companies are going to pay top dollars for someone with this particular skill set you’ll always be in demand  

#10 Digital marketing skills 

Now, this is a no-brainer I’m talking about Facebook. I’m talking about social media and talking about Instagram. I’m talking about e-commerce anyone with digital marketing skills good one not an average one.

Good digital marketing skills will always be in demand. Now with digital marketing skills again it’s a skill with skill. To be a good digital marketer you need a variety of skills to be copywriting would designing could be a little bit of coding. That’s right because you need to combine different skill sets together and if you’re working with a client then you need the ability to close to get those clients who are willing to pay you on a monthly basis all for a big project you need that kind of skill as well to write the proposal to write the plan you need copywriting skill so that’s what we’re talking about.

10 High-Income skills that you may not be aware of that are hard to learn but will pay off forever.

Now I want you to understand something here skill equals income.

Skills = Income

You require a skill to pay the bill it does not matter what degree you hold. A degree alone cannot pay the bills you require a skill that pays the bill.

You have to learn these skills to make more money to become rich. Which skill set do you feel resonates with you? Which skill do you want to learn today?

7 Types Of Income That Rich People Have But Poor Don’t

Types of Income – What are the different types of income? How many income streams do rich people have? Let’s try to explore this in detail with an example.

Once, two friends were talking with each other. The first friend asked to second – 

How many hours do you work in a day?

The second friend says approx 12 hours.

In which, I work 7-8 hours in my full-time job and 3-4 hours in my part-time job.

Now the second friend asks the first one how many hours do you work in a day?

The first friend says I work 400 hours a day.

Friends say it is impossible. How you can work 400 hours a day because there are only 24 hours in a day?

The first friend explained that he has opened a consultancy firm, in which there are a total of 50 employees and every employee works approx 8 hours. If you calculate, (8×50) then this figure reached approx 400 hours per day.

Here one friend talking about earned income while another is talking about business income.

In the world, approximately 90% of people make money with Earned Income, and in Earned Income, you get paid only for the hours you have worked and no one can work more than 20 hours in a day.

For this reason, you can only earn money in a limited amount with earned income. Earned income can never give you financial freedom. 

While the rich people do not depend on a single income source. They have at least 7 income sources.

By which they get money regularly.

In which, some are active income and some are passive income, some are highly taxable, and some are non-taxable.

It is said that rich people have 7 income sources but that’s not the whole truth, because it is not necessary that every rich person has 7 income sources but they have multiple income sources. 

So let’s see the 7 types of income that the rich likes.

Types of Income

7 Types Of Income That Rich People Have But Poor Don’t

#1 Earned Income 

The first and very common source of income is Earned Income. This income is also known as active income because you give your time to earn money and you get paid till you work.

If you stop working then you stop getting money. This is the point from where everyone starts.

From watchman to CEO everyone starts from the Earned Income and this is the safe way to start your journey. But living here for a long time with earned income is dangerous.

Because here you work according to the clock and you can work limited and earn limited money in hours. Earned Income is good for starting time but you must make other sources of income after some time.

Because this source of income is highly taxable, the more you earn, the more you have to pay taxes. And in some cases, this tax is 30%. This means after some threshold your half income will go to the government pocket.

Earned Income is starting and a wonderful way to earn money.

But if you want financial safety then you must find other sources to earn money.

Financial Freedom is 80% Behavior & 20% Knowledge

#2 Business Income

With this income, you become an entrepreneur the employee. The meaning of business income is to sell any products at a higher value than their market price.

Whether it is a physical product or a digital product. Business income can be of two types Active Income and Passive Income.

If you make a product by your hand then it is an Active Income. In this also, you will get the money until you work.

For example, handcrafted items and paintings, if you sell by making yourself then it is an Active Income.

You can’t scale this business on a large scale. But If you only design the product and it is made by some other cases like designed by Apple in California and made in China. So it is a scalable income.

Because if you set up the business system once or if you hire the employees then you get free time. That can be used to build other income sources.

Before starting any business, you must see whether your business is scalable or not, and if it is scalable, then how much you can scale.

#3 Interest Income

One of the oldest business models in the world says that money attracts money. This means in this income money works for you. 

Whenever you give money to someone and you got money with interest then this is called interest income.

This income is passive because you don’t have to work actively to earn this. FD, RD, Bank deposits, and Government bonds are some examples of Interest Income.

7 Things Poor People Do that the Rich Don’t

#4 Dividend Income

You get the dividend income when you buy some shares of a company.

Then you also have some ownership rights on that company and if that company earns profit then you also become entitled to that profit and you get some part of that profit in the form of dividends.

Dividends are generally declared every 3 months but it is not necessary that every company gives you dividends. Every company has its own way of giving dividends. 

For example, if I have 10000 shares of an XYZ company and if that company gave a dividend of ₹ 5 per share.

It means I will get a total dividend of 10000×5 which is ₹50000.

#5 Rental Income

If you give anything to others to use, and you get some money as rent then this is called Rental Income.

This is also a type of passive income. Many people give their property to rent and they think that this is the only way to earn rental income. But it is not necessary that you have to invest much to earn rental income. You can also give things on rent having less investment.

For example, you can give your equipment for rent, you can give your car for rent and you can rent instruments to someone like a speaker system for the event, etc. The best example of the Rental Income is Ramesh Babu.

He is a barber by its profession but he has more than 400 luxury cars. In which all luxury cars are involved from Jaguar to Rolls Royce.

He has also started the rental service for these luxury cars apart from his main profession and today he is a billionaire.

#6 Capital Gains

This is the source of income that can make you a millionaire in real. Here we acquire assets like Real estate and Stock, Bonds, and Crypto and we sell them at higher prices.

Like if you buy a share in ₹100  and sell it in ₹150 then ₹50 is your capital gain.

Same way if you buy a property for 2 crores and after waiting some years you sell it for 5 crores then your Capital Gain is 3 crores.

Capital Gain income is different from business income. Because here you are not manufacturing any products or services, you are only holding the assets.

This provides a passive income in the future due to appreciation. But most of the time we buy a product whose value decreases with time like smartphones, cars, TVs, bikes, etc.

But to get the Capital Gain, you have to invest your money in the thing whose value can be increased in the future. Like gold, silver, property, share, etc.

#7 Royalty income

This is my personal favorite income source. Royalty income is most popular among content creators like bloggers, YouTubers, music artists, or video creators.

Royalty income is a continuous income that you get for your particular work. Like, you made a movie that people would watch for years.

You wrote a book that people purchase continuously or whenever the creation created by you is purchased or subscribed then you get income.

For example, when a music artist makes music he reaches the public through music streaming services and whenever that song is played, then that artist will get income.

If we take the example of author J.K. Rowling, she wrote the Horry Potter one time.

But today’s also if someone buys books, games, or toys of Harry Potter or even someone visits the theme park of Harry Potter then some royalty means some money goes to J.K. Rowling’s Pocket.

In short, she had worked once but she generated multiple sources of income by converting them into many different forms.

So, these are 7 Income Sources.

Over to You

Well, you don’t have to try to earn from all the sources together.

First, try the first source of income and if you started generating some income then come to other sources of income.

Most people know only one or two ways of income sources. But friends, the more types of income sources you will have, you will be able to live a more secure and luxurious life.

I have a question for you which types of income sources do you like the most? and which new income source you would like to add to your life?