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Types of ETFs Return and its Performance

Personal Finance
08-11-2023
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Rather than taking the chance of active trading, would you rather make huge returns passively? Investing in an ETF or an exchange-traded fund may be a good option for you.

Exchange-traded funds (ETFs) are similar to index funds in that both allow you to put your money to work buying and selling a group of assets that all fall under the same broad heading. By investing in many firms, you can reduce the overall market risk of your share portfolio. But unlike index funds, exchange-traded funds (ETFs) can be bought and sold whenever the market is open on the Stock Exchange Board of India (SEBI).

What are the types of ETFs?

The underlying assets of an ETF determine its classification. Thus, while the Sensex and Nifty make up the vast majority of ETFs, there are additional varieties available. Let’s check out a few of them.

1. Equity ETFs

Equity ETFs, often known as stock ETFs, invest in businesses within a certain market. Those lists compile the stocks in a certain industry that have shown the most promise or the greatest gains. Investing in an industry-specific ETF might be a good idea if you believe the sector as a whole will develop, but it is unclear which specific firms will provide the highest profits. Dividends will increase in line with the value of the ETF’s underlying holdings. As a result, the underperformance of a few stocks will not have a major impact on your bottom line.

2. Bond ETFs

Bond ETFs are exchange-traded funds that only trade in fixed-income securities like government bonds and debentures. You might think of them as a basket of investments with varying costs and terms. You will get monthly dividend payments for interest income and yearly dividend payments for capital gains on these bonds. Given the large number of bonds held by an ETF, some of them will be approaching their coupon payment dates. This ensures that your investment will provide consistent revenue.

3. Commodity ETFs

At the moment, gold and silver are the only two commodities that may be traded via ETFs in India. With them, you may make a virtual investment in commodities like gold and silver without taking on the real risk of actually owning the metals or the money. Also, commodity ETF values are similar to their respective bullion markets. To avoid the hassle and difficulty of selling physical gold or silver in an instant, consider investing in exchange-traded funds (ETFs) instead.

4. International ETFs

Foreign securities can be purchased using these ETFs. Investing in a basket of foreign-listed firms is now possible without the need to find a broker with international connections. If you just have a modest amount of money to invest, you may still participate in these indices thanks to the use of the Indian rupee. The MOSL NASDAQ 100, the Mirae Asset NYSE FANG+ETF, and the HDFC World Index Fund are three of the most widely held exchange-traded funds (ETFs) in India.

5. Currency ETFs

The best ETF fund that trades in currencies provides access to the foreign exchange market. Profits can be made by investing in the growth of a basket of currencies held in an EFT, regardless of their origin. The volatility in value between two currencies can be capitalized on by purchasing a pair of those currencies and holding them.

How Does an ETF Work?

Mutual funds serve as a good starting point for understanding how an ETF operates. It is the asset management firm with which you will be interacting when purchasing shares in a mutual fund (AMC). Their role is to aggregate the money they’ve raised from investors and utilize it to purchase genuine stock in firms.

A custodian holds these shares on behalf of the mutual fund and its unitholders. Contact the fund house now if you want to sell your shares. You are dealing with the fund house, not the firm in which you have invested, during this entire process. Therefore, when you invest in mutual funds, you know there will always be a buyer for your shares if and when you decide to sell.

Exchange-traded funds are unique in this respect. The purchasing and selling of ETFs are subject to the availability of buyers and sellers on the stock market. Only until you’ve found a suitable counterparty will you be allowed to sell your units.

Another key distinction between ETFs and mutual funds is how prices are determined. Mutual fund investors are issued units based on their investment in the fund at the end of the trading day (NAV). Every investor, whether they put in Rs 1,000 or Rs 10,000,000, receives the same NAV after each trading day.

But in the case of exchange-traded funds, the price discovery happens on a real-time basis. As a result, ETF units may be purchased by investors at a wide range of prices. To better understand ETFs, let’s weigh their benefits and drawbacks.

5 Important Advantages of ETFs: Pros of Exchange Traded Funds

  • ETFs allow investors to spread their bets around: By purchasing an ETF, an investor is effectively purchasing a group of equities. Because gains in one asset can offset losses in another, this is a useful strategy for diversification.
  • Second, most ETFs have low management fees since they are passively managed. This results in reduced expense ratios, which is good news for investors looking to save money on fund administration costs. Nifty BeEs and HDFC Index Fund Nifty 50 Plan, for instance, both put money into the same 50 stocks. However, HDFC Index Fund – Nifty 50 Plan charges 0.40% in expenses, whereas Nifty BeEs just charge 0.05%. Therefore, lower overhead is a major benefit of ETFs.
  •  ETFs provide flexibility: ETFs give strong exposure to diverse asset classes and industries. This lets investors create a portfolio without any difficulty.
  • Fourth, ETFs are open and transparent about their holdings, as required by the Securities and Exchange Board of India (SEBI) for index ETFs. So, ETF investors are constantly aware of exactly where the fund is invested.
  • ETFs permit intraday trading: This is one of the greatest advantages of ETFs. The NAV of a mutual fund is published daily. In contrast, exchange-traded funds (ETFs) allow purchases and sales to take place at any time. Let’s pretend the market dropped 500 points, or 2%, at noon. By 3.30, though, the market had gained 200 points and ended higher.

Conclusion

The best ETF fund combines the reliability of a mutual fund with the potential profits of stocks. They don’t confine your earnings to the success of a particular enterprise or asset. They also provide you with the freedom to quickly shift your assets if a specific asset is underperforming. With so many upsides, it’s easy to see why ETFs should be on your list of potential investments. So, start looking into ETFs to find the one that best fits your needs.

When in doubt, company owners and professionals can go to the experts at Piramal Finance for tailored financial services.

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Your Land, Your Record: Understanding the 7/12 Extract in Raigad

The 7/12 extract is a crucial land record in Raigad district, Maharashtra. It provides details about land ownership, cultivation, and any liabilities. You can access it online through the MahaBhulekh portal or offline at the Talathi office. While not having one isn’t directly penalized, it is essential for property transactions, bank loans, and legal verification. Keeping it updated helps simplify processes and protects your land rights. Key Takeaways 7/12 extract: Your land’s essential identity document. Online access: MahaBhulekh makes it simple and quick. Offline option: The Talathi office is always available. Crucial for: Sales, loans, and ownership verification. Always verify: Check all details carefully and keep them updated. Table of Contents Why This Document Matters Getting Your 7/12 Extract Raigad Online – A Simple Guide The Traditional Way: Getting It Offline Quick Tips: Do’s and Don’ts Making Sense of Your Land Details Final Thoughts Frequently Asked Questions Imagine you own a piece of land in beautiful Raigad maybe it’s ancestral, or perhaps newly purchased. Now suppose you plan to sell it or apply for an agricultural loan. The first document you’ll be asked for is your 7/12 extract. This document is much more than just paper it’s your land’s official identity record. For landowners and farmers in Raigad, understanding and regularly checking this document is essential. It confirms ownership, shows what is cultivated, and highlights any pending loans or legal claims. The 7/12 extract forms the foundation of clear, dispute-free property ownership in Maharashtra. Why This Document Matters The 7/12 extract, or Satbara Utara, combines two forms in one: Form 7 (VII): Details of the owner and land rights. Form 12 (XII): Information about cultivation, crops, and land use. Issued by the Talathi office, this document is fundamental for anyone owning land in Raigad. It serves as: The primary proof of ownership. A required document when buying or selling land. A must-have for bank or agricultural loans. Proof needed to apply for government schemes and subsidies. Without an accurate 7/12 extract, land dealings can become complicated and time-consuming. Getting Your 7/12 Extract Raigad Online – A Simple Guide The good news is that getting your 7/12 extract for Raigad is now easier than ever. You can access it from the comfort of your home. Here’s how: Visit the official MahaBhulekh portal at mahabhulekh.maharashtra.gov.in. Select Raigad as your district. Click on 7/12 from the available options. Enter the required details, you can search using: Survey Number (सर्वेक्षण क्रमांक) Gat Number (गट क्रमांक) Owner’s First, Middle, or Last Name Complete the captcha and click Search (शोधा) or 7/12 पहा. Your extract will appear on the screen. You can view, download, or print it. For an official, digitally signed copy, visit the Aaple Sarkar or Digital Satbara portal and pay a nominal fee (usually ₹15). This signed version is legally valid for all official purposes. The Traditional Way: Getting It Offline If you prefer visiting in person or don’t have internet access, you can still get your 7/12 extract offline. Visit your local Talathi office or Tehsil/Taluka office in Raigad. Request the 7/12 extract application form and fill it carefully. Attach supporting documents such as your Aadhaar card or previous land records. Pay the applicable fee and collect the receipt. The Talathi will process your request and inform you when the physical, stamped copy is ready for collection. Quick Tips: Do’s and Don’ts Do’s Don’ts Check your 7/12 extract regularly. Don’t ignore any mistakes you notice. Ensure ownership and land area details are correct. Don’t use outdated extracts for sales or loans. Apply for corrections immediately if errors exist. Don’t share sensitive land details with strangers. Keep both digital and printed copies safe. Don’t rely on unofficial agents or websites. Making Sense of Your Land Details Your 7/12 extract for Raigad contains several key details: Form 7: Owner’s name, ownership share, and survey number. Form 12: Cultivation details, land area, and crops grown. Encumbrances: Any loans, disputes, or government claims on the land. If you’ve recently purchased or inherited land, ensure the mutation record is updated. A mutation reflects ownership changes — like sales, inheritance, or division, in government records. The updated 7/12 extract then becomes your official proof of ownership. Final Thoughts The 7/12 extract Raigad is your land’s official identity document. It ensures clear ownership, supports legal transactions, and helps secure agricultural or property loans. Whether you’re a farmer or a landowner, keeping your 7/12 extract accurate and updated gives you long-term security and peace of mind. Make it a habit to check your land records regularly, online through MahaBhulekh or offline at your Talathi office. At Piramal Finance, we believe that being informed helps every landowner make smarter and stress-free financial decisions — whether you are verifying land records or planning your next home loan. Frequently Asked Questions Q1. What’s the difference between a 7/12 extract and an 8A extract?The 7/12 extract provides detailed information about a specific piece of land, including ownership and cultivation details. The 8A extract is a summary that lists all land parcels owned by one person within a village. Q2. How can I correct errors in my 7/12 extract?Visit your local Talathi office with supporting documents such as a sale deed, court order, or Aadhaar card. The Talathi will verify the documents and initiate the correction process. Q3. Is a digitally signed 7/12 extract valid for official use?Yes, a digitally signed extract downloaded from the Aaple Sarkar or Digital Satbara portal is legally valid for property registration, bank loans, and other official purposes. Q4. What is the cost of obtaining a 7/12 extract online?Viewing it on MahaBhulekh is free. However, a digitally signed and legally valid copy typically costs around ₹15 per extract. Q5. How often should I check my 7/12 extract?It’s best to review it once a year, or whenever you buy, sell, inherit, or apply for a loan on your land. Q6. What if my land has multiple owners?The 7/12 extract will list all co-owners and their respective shares. Ensure that these details are accurate and updated before any transaction.
07-11-2025
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Is Your Pune Property Safe? Understanding the 7/12 Extract and Property Card

Before purchasing a property in Pune, it’s important to understand which land record applies to your transaction. For urban flats or plots, the Property Card (Malmatta Patrak) is the key ownership document. For rural or agricultural land, you’ll need the 7/12 Extract Pune (Satbara Utara). Both documents are issued by the Maharashtra Revenue Department and can be easily verified online through the Mahabhulekh portal (bhulekh.mahabhumi.gov.in). Verifying these records helps ensure transparency, prevents disputes, and protects your investment. Key Takeaways 7/12 Extract: Required for rural and agricultural land. Property Card: Essential for urban properties within Pune. Verify ownership and encumbrances using official government portals. Cross-check details carefully before any property transaction. Table of Contents What Is a 7/12 Extract? The Property Card: Proof of Ownership for Urban Pune Properties How to Check Pune Land Records Online Do’s and Don’ts for Land Record Verification Final Thoughts Frequently Asked Questions What Is a 7/12 Extract? The 7/12 Extract, also known as Satbara Utara, is a key land record in Maharashtra. It is issued by the Maharashtra Revenue Department and provides detailed information about a parcel of land. The document combines two forms: Form 7 (VII): Contains ownership details, rights, and liabilities. Form 12 (XII): Lists crop and cultivation information. Together, they offer a full picture of a land parcel — including survey or Gat number, area, type of land, and any existing claims or loans. This record is particularly relevant for rural and agricultural properties. For properties located within Pune’s city limits, a different record the Property Card is used. The Property Card: Proof of Ownership for Urban Pune Properties For properties located within Pune city, the Property Card (Malmatta Patrak) serves as the official proof of ownership. It is maintained by the City Survey or Land Records Department under the Maharashtra Revenue Department. The Property Card includes essential information such as: Owner’s name and address CTS (City Title Survey) number Type of land and area Property boundaries Details of encumbrances or legal claims Having an updated Property Card is crucial. It is required for: Selling or transferring property Obtaining a home loan Verifying ownership before any transaction This document acts as a safeguard, ensuring your property is legally recognized and free from disputes. How to Check Pune Land Records Online The Maharashtra government has made it easier than ever to access land records digitally. Both the Property Card and 7/12 Extract can be viewed and downloaded through the Mahabhulekh portal. For Urban Properties (Property Card) Visit https://bhulekh.mahabhumi.gov.in/. Select Property Card. Choose your District (Pune), Taluka, and City Survey Office. Enter your CTS Number (City Title Survey number). View or download your Property Card. For Rural Properties (7/12 Extract) Visit the same portal and select 7/12 Extract (Satbara Utara). Choose District (Pune), Taluka, and Village. Search by Survey Number, Group Number, or Landowner’s Name. View or download your record. Both documents are available in digitally signed formats, which are legally valid for all official and financial transactions. Do’s and Don’ts for Land Record Verification Do’s Always use official government portals such as Mahabhulekh. Verify every detail - ownership, area, boundaries, and encumbrances. Keep both digital and physical copies of the latest version. Seek help from a legal or property expert if you find discrepancies. Don’ts Don’t rely on outdated or unsigned copies. Don’t share OTP or personal details on unofficial websites. Don’t ignore errors or ownership mismatches — get them corrected promptly. Don’t assume a document’s validity without cross-checking it online. Final Thoughts Understanding the difference between the 7/12 Extract and the Property Card is essential for every property owner and buyer in Pune. These documents are your proof of ownership and serve as protection against future legal complications. By using the official Mahabhulekh portal, you can easily verify land details, check ownership, and confirm that your property is legally secure. At Piramal Finance, we believe that being informed helps every property buyer make smarter and stress-free financial decisions whether you’re verifying ownership records or planning your next home loan. Frequently Asked Questions Q1. What is a 7/12 Extract?The 7/12 Extract, or Satbara Utara, is a land record document mainly for rural and agricultural land in Maharashtra. It provides ownership, occupancy, and cultivation details. Q2. Is a 7/12 Extract required for a flat in Pune city?No. Urban properties within Pune city limits require a Property Card (Malmatta Patrak), not a 7/12 Extract. Q3. What is a Property Card (Malmatta Patrak)?The Property Card is the official record for urban land and properties. It contains details such as the owner’s name, CTS number, area, and any encumbrances, serving as proof of ownership. Q4. How can I check my Pune land record online?You can check your land record on the official Mahabhulekh portal (bhulekh.mahabhumi.gov.in) by entering your district, taluka, village, and either your CTS or survey number. Q5. What is a CTS number?The City Title Survey (CTS) number is a unique identification number assigned to every urban property in Maharashtra. It is required to locate your Property Card online. Q6. What is the role of the Maharashtra Revenue Department?The Maharashtra Revenue Department manages all land records across the state, including the 7/12 Extract and the Property Card. It ensures these documents remain updated, digitized, and accessible to the public. Q7. Are digitally signed Property Cards and 7/12 Extracts valid?Yes. Digitally signed copies available on the Mahabhulekh portal are legally valid for all official and legal purposes.
06-11-2025
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7/12 Extract Nashik – How to Check and Download Land Records Online

The 7/12 Extract Nashik is an official land record maintained by the Maharashtra Revenue Department. It provides key details such as ownership, land type, area, cultivation, and any pending legal claims. This document serves as proof of ownership and is essential for transactions, loans, and government schemes. You can now access and download a digitally signed, legally valid copy online through the Maha Bhulekh portal for a nominal fee. Regularly checking and updating your record helps ensure your land information is accurate and protects your property rights. Key Takeaways The 7/12 extract is your official proof of land ownership and farming details. It is required for buying, selling, taking loans, and legal verification. Access the document online via the Maha Bhulekh portal for Nashik properties. Digitally signed versions are legally valid and available for a small fee. Table of Contents What Exactly Is a 7/12 Extract Why the 7/12 Extract Matters for Nashik Landowners How to Get Your 7/12 Extract Nashik Online Signed vs Unsigned Copies – The Difference What to Check in Your 7/12 Extract Quick Tips: Do’s and Don’ts 7/12 Extract vs Property Card Frequently Asked Questions Final Thoughts What Exactly Is a 7/12 Extract The 7/12 extract, also known as Satbara Utara, is a vital document that records the ownership and usage details of agricultural land in Maharashtra. It is maintained by the Maharashtra Revenue Department and combines two forms: Form 7 (VII): Contains information on the landowner’s rights, liabilities, and survey details. Form 12 (XII): Includes information about the crops grown and how the land is used. Together, these forms offer a complete view of a land parcel’s legal and agricultural status. Why the 7/12 Extract Matters for Nashik Landowners For landowners and farmers in Nashik, the 7/12 extract is more than just a document — it is proof of ownership and a safeguard for property rights. It is essential for: Verifying ownership and title before buying or selling land. Applying for agricultural loans or government subsidies. Checking for encumbrances such as existing loans or legal claims. Resolving disputes related to land ownership or inheritance. This extract is particularly important for rural and agricultural lands, where transparency and record accuracy are crucial. How to Get Your 7/12 Extract Nashik Online The Maha Bhulekh portal makes it easy to access land records online without visiting government offices. Follow these steps to download your record: Visit https://bhulekh.mahabhumi.gov.in/. Select Nashik from the list of divisions. Choose 7/12 Extract (Satbara Utara). Select your district, taluka, and village. Search using your survey number, Gat number, or owner’s name. View the record online. Pay a small fee (about ₹15) to download a digitally signed, legally valid copy. This digitally signed version is recognized for all official purposes, including loans, property transactions, and legal matters. Signed vs Unsigned Copies – The Difference Unsigned Copy: Free to view and download for personal reference. Not valid for legal or financial transactions. Digitally Signed Copy: Legally valid and accepted by banks, courts, and government offices. Downloadable through the Maha Bhulekh portal after payment of a nominal fee. What to Check in Your 7/12 Extract Before using the document for any transaction, review it carefully for accuracy. Key details to verify: Owner’s name: Matches your official land documents. Survey and Gat number: Correct and consistent with your sale deed. Land type: Agricultural, private, or restricted use. Encumbrances: Any mortgages, loans, or legal disputes listed. Mutation entries: Reflect the most recent ownership changes. Crop and irrigation details: Important for agricultural plots. Tax records: Ensure all property taxes are paid. Quick Tips: Do’s and Don’ts Do’s Use only the official Maha Bhulekh portal to access land records. Download the latest version of your extract. Obtain a digitally signed copy for official or legal use. Verify each detail carefully with supporting documents. Seek assistance from local authorities or legal experts if discrepancies are found. Don’ts Do not use old or unsigned extracts for transactions. Do not rely on third-party or unofficial websites. Do not ignore incorrect details or missing information. Do not share personal property information publicly. 7/12 Extract vs Property Card Both are official land records but are used for different property types. Feature 7/12 Extract (Satbara Utara) Property Card (8A Extract) Purpose Rural and agricultural land Urban and city properties Information Owner details, land use, crops, survey number Owner details, plot number, area, city survey number Applicability Villages and agricultural zones Properties within municipal limits Key Use Proof of ownership, farm loans, rural sale Ownership proof, urban sales, building permissions For Nashik city areas, use the Property Card. For rural areas, the 7/12 extract remains the key ownership document. Frequently Asked Questions Q1. What is a Gat Number in the 7/12 extract?A Gat number is a unique identification number for rural land parcels. It helps locate the exact property and its boundaries. Q2. Does a 7/12 extract expire?No, but always use the most recent version. Land records can change after sales, inheritance, or government updates. Q3. Can I get my 7/12 extract offline in Nashik?Yes. Visit your Talathi office or Setu Kendra. However, the Maha Bhulekh portal offers a faster and more convenient option. Q4. How do I correct errors in my 7/12 extract?Report any errors to your local Talathi office or District Collector’s office. Submit a correction application with supporting documents. Q5. Is the 7/12 extract required for all properties?It applies to rural and agricultural land. For urban properties, you’ll need a Property Card (8A extract). Q6. What is a mutation entry?A mutation entry records ownership or rights changes through sale, inheritance, gift, or partition. Q7. Can I use the 7/12 extract for a land loan?Yes. Banks and financial institutions require the 7/12 extract to verify ownership before approving agricultural or land loans. Q8. What is the fee for a digitally signed copy?The typical fee is ₹15 per copy, payable directly through the Maha Bhulekh portal. Final Thoughts The 7/12 Extract Nashik is a crucial document that protects your ownership rights and supports transparent land transactions. Regularly checking your record on the Maha Bhulekh portal ensures your data stays current and accurate. At Piramal Finance, we believe that being informed helps every landowner make smarter and stress-free financial decisions — whether you are verifying land records or planning your next home loan.
06-11-2025
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7/12 Extract Nagpur: Your Essential Guide to Land Records

The 7/12 Extract Nagpur, also known as the Satbara record, is an official land document issued by the Maharashtra Revenue Department. It provides key details such as land ownership, survey or Gat number, area, crops grown, and any financial liabilities. Landowners and property buyers in Nagpur can now access this record easily online through the MahaBhulekh portal or the UMANG mobile app. Keeping your 7/12 extract updated ensures that your ownership details remain accurate and helps prevent future disputes or legal issues. Key Takeaways The 7/12 extract is your primary proof of land ownership in Maharashtra. Access your record online via MahaBhulekh or the UMANG app. Always check for debts, mortgages, or legal claims before buying land. Digitally signed 7/12 extracts are legally valid and accepted by all authorities. Table of Contents Understanding the 7/12 Extract Why It Matters for Nagpur Landowners Key Details Found in the 7/12 Extract Recent Updates for Nagpur Property Owners How to Get Your 7/12 Extract Nagpur Online Do’s and Don’ts for Managing Your Record Frequently Asked Questions Final Thoughts 1. Understanding the 7/12 Extract If you plan to buy or verify land in Nagpur, understanding the 7/12 extract is essential. This document, also called Saatbara Utara, gives a complete view of the land including who owns it, how it’s used, and whether any claims or loans are attached. The 7/12 extract combines information from two forms: Form 7 (VII): Details of the owner, rights, and obligations related to the land. Form 12 (XII): Agricultural details such as crops cultivated, irrigation type, and area under use. Together, these forms offer an official, updated snapshot of any land parcel as maintained by the Maharashtra Revenue Department. 2. Why It Matters for Nagpur Landowners For property buyers and farmers in Nagpur, the 7/12 extract is a must-have document. It confirms ownership and provides transparency in transactions. Here’s why it matters: Proof of Ownership: Serves as the legal document confirming who owns the land. Title Verification: Helps confirm that the person selling the land is the rightful owner. Loan and Legal Use: Required for bank loans, property sales, and court matters. Debt and Encumbrance Check: Shows any existing loans or pending claims on the land. Government Schemes: Needed for subsidies, crop insurance, and welfare benefits. Historical Record: Shows past ownership and usage patterns, useful for long-term planning. Having an accurate 7/12 extract gives landowners peace of mind and ensures smooth property transactions. 3. Key Details Found in the 7/12 Extract A 7/12 extract contains comprehensive details about your land. Understanding what each section means helps you interpret the record accurately. Here’s what it includes: Survey and Hissa Numbers: Unique identification numbers for each parcel. Owner’s Name: List of all registered owners and co-owners. Cultivator’s Name: If another person farms the land, their name is listed. Area of Land: Total size and distribution between cultivable and non-cultivable parts. Type of Land: Agricultural or non-agricultural. Irrigation Details: Type of irrigation (rain-fed or well-irrigated). Crops Grown: Crops cultivated during the most recent season. Encumbrances: Mortgages, legal claims, or outstanding loans. Revenue and Tax Data: Information on taxes paid or pending. This document provides a complete overview much like your land’s report card helping you stay informed and secure about your property’s status. 4. Recent Updates for Nagpur Property Owners The Maharashtra government has made significant progress in digitizing land records, benefiting property owners in Nagpur. Digitization and Online Access Over 99% of land records in Maharashtra are now digitized and digitally signed. You can access and download your 7/12 extract online through: MahaBhulekh portal: https://bhulekh.mahabhumi.gov.in/ UMANG mobile app: Allows easy access to your records anytime. Legally valid: Digitally signed 7/12 extracts carry the same validity as physical copies and are accepted by banks, courts, and government offices. Upcoming Initiatives Vertical 7/12 Yojna (Announced June 2025): Plans to issue separate 7/12 extracts for individual floors in multi-story buildings, improving ownership clarity. Live 7/12 Campaign (Jivant 7/12): Launched in April 2025, aims to keep land records constantly updated for accuracy and transparency. These initiatives reflect the state’s focus on simplifying land ownership and improving record management for growing cities like Nagpur. 5. How to Get Your 7/12 Extract Nagpur Online Accessing your 7/12 extract online is quick and convenient. Here’s how you can do it: Steps to Check and Download: Visit the MahaBhulekh website at https://bhulekh.mahabhumi.gov.in/. Select the Nagpur division. Click on “7/12 Extract”. Enter your District (Nagpur), Taluka, and Village details. Search by Survey Number, Group Number, or Owner’s Name. View your extract on-screen. To download a legally valid version, register on the portal and pay a ₹15 fee. Download the digitally signed extract (available for 72 hours). This digital copy is fully valid for official and financial use. 6. Do’s and Don’ts for Managing Your Record To ensure your land information stays secure and accurate, follow these guidelines: Do’s Access your record only through official websites or the UMANG app. Verify all details carefully before any transaction. Keep digital and printed copies safely stored. Apply for corrections immediately if you find errors. Check your extract regularly, at least once a year. Don’ts Don’t rely on outdated extracts for legal use. Don’t share your login credentials or OTPs. Avoid unofficial websites or agents. Don’t delay ownership or mutation updates. In urban areas, the Property Card (Malmatta Patrak) serves a similar purpose for city properties and is also available through the MahaBhulekh portal. 7. Frequently Asked Questions Q1: Is the online 7/12 extract legally valid?Yes. The digitally signed extract from MahaBhulekh or UMANG has the same legal status as a physical copy. Q2: What should I do if there’s an error in my 7/12 extract?Contact your local Talathi office or the Revenue Department. Submit an application for correction along with supporting documents. Q3: Can I get a 7/12 extract for non-agricultural land?The 7/12 extract primarily covers agricultural land. For urban or non-agricultural properties, use the Property Card (Malmatta Patrak) instead. Q4: What are encumbrances?Encumbrances are legal or financial claims on a property, such as mortgages, unpaid loans, or disputes that restrict ownership rights. Q5: Is there a fee to download the 7/12 extract?Viewing is free. Downloading a legally valid, digitally signed copy costs ₹15 per extract, payable online. Q6: How often should I check my 7/12 extract?It’s best to check it at least once a year or whenever there’s a property-related transaction. Q7: What is the Vertical 7/12 Yojna?A proposed initiative to issue 7/12 extracts for each floor of a building to simplify ownership in urban housing projects. Q8: What is the Live 7/12 Campaign?An ongoing program that ensures land records stay updated and reflect the latest ownership and usage details. 8. Final Thoughts Accessing your 7/12 Extract Nagpur is now simple and secure. With digitized land records and official portals like MahaBhulekh and UMANG, you can easily verify, download, and maintain your ownership proof from home. Regularly checking your 7/12 extract helps prevent disputes, keeps your details current, and safeguards your property rights. At Piramal Finance, we believe that being informed helps every landowner make smarter and stress-free financial decisions whether it’s verifying property records or planning your next home loan.
05-11-2025
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Your Land, Your Record: Understanding the 7/12 Extract in Kolhapur

The 7/12 Extract Kolhapur, also known as Satbara Utara, is an official land record issued by the Maharashtra Revenue Department. It contains key details such as ownership, survey or Gat number, total area, type of land, crop information, and any existing legal claims or loans. Landowners in Kolhapur can easily access their 7/12 extract online. Basic, unsigned versions are available for free on the MahaBhulekh portal, while digitally signed, legally valid copies can be downloaded from the Digital Satbara portal for ₹15. Regularly checking and updating your 7/12 extract helps you keep your land ownership records accurate, protects against disputes, and ensures legal compliance. Key Takeaways The 7/12 extract is your official proof of land ownership. View unsigned versions for free online via the MahaBhulekh portal. Download digitally signed versions for ₹15 from the Digital Satbara portal. Always use official government websites for verification and updates. Table of Contents Why the 7/12 Extract Matters for Kolhapur Landowners What the 7/12 Extract Includes How to View Your 7/12 Extract Online (Free Version) How to Download a Digitally Signed 7/12 Extract How to Correct Errors in Your 7/12 Extract Important Tips for Kolhapur Landowners Frequently Asked Questions Final Thoughts 1. Why the 7/12 Extract Matters for Kolhapur Landowners For every landowner in Maharashtra, especially in Kolhapur, the 7/12 extract is one of the most important property documents. It confirms who owns the land, how it’s used, and whether any legal or financial liabilities are attached to it. In the past, getting this document meant visiting government offices, waiting in long queues, and dealing with paperwork. Today, thanks to digital transformation, you can access your 7/12 extract Kolhapur from home through official portals. This record is essential not just for ownership verification, but also for securing agricultural loans, completing land sales, and resolving property disputes. 2. What the 7/12 Extract Includes The 7/12 extract (or Satbara Utara) combines information from two government forms: Form VII (7): Records the owner’s name, rights, and obligations. Form XII (12): Lists agricultural details, including crops grown and irrigation methods. Together, these provide a complete snapshot of your land, including: Owner details: Names of all owners and their ownership share. Survey or Gat number: Unique ID assigned to your plot. Land area: Total size in hectares or acres. Type of land: Agricultural, residential, or commercial. Crop details: Types of crops grown, if any. Encumbrances: Details of loans, claims, or disputes. Historical data: Changes in ownership over time. Tenancy information: Applicable tenant rights and records. This document acts as proof of ownership and is required for any property transaction, agricultural loan, or legal verification related to your land. 3. How to View Your 7/12 Extract Online (Free Version) You can view an unsigned version of your 7/12 extract online at no cost using the MahaBhulekh portal. This version is for reference only and cannot be used for legal purposes. Steps to check your record: Visit bhulekh.mahabhumi.gov.in. On the homepage, click “To see unsigned 7/12, 8A and property sheet.” Select ‘Pune Division’ (Kolhapur falls under this division). Choose ‘Kolhapur’ as your district. Select your Taluka and Village. Choose ‘7/12 Extract’ from the document options. Search using your Survey/Gat number or owner’s name. Click “View 7/12” to display your record. You can print or download this version for your personal reference. For official use, however, always get the digitally signed version. 4. How to Download a Digitally Signed 7/12 Extract A digitally signed 7/12 extract is legally valid and accepted by banks, courts, and government offices. You can download it directly from the Digital Satbara portal. Steps to download: Go to digitalsatbara.mahabhumi.gov.in. Log in using your registered credentials, or sign up if you’re a new user. Choose ‘Kolhapur’ as your district, then select your Taluka and Village. Search for your land using your Survey or Gat number. Select ‘Akshari Satbara’ as the document type. Add balance to your account if required and pay ₹15. Download your digitally signed extract — available for 72 hours after payment. This document carries a valid digital signature and can be used for all legal and financial transactions. 5. How to Correct Errors in Your 7/12 Extract If your 7/12 extract contains incorrect details such as misspelled names or wrong land area, you can apply for corrections online using the e-Rights system. Steps to apply for corrections: Visit pdeigr.maharashtra.gov.in. Register or log in to your account. Submit an application for correction with supporting documents. The local Talathi (village accountant) will review your request and verify the details. Once approved, updates will reflect on the e-Chawdi (village digital notice board) and in your 7/12 extract. 6. Important Tips for Kolhapur Landowners When dealing with land records, accuracy and security matter. Follow these tips to stay protected: Do’s Use only official websites: bhulekh.mahabhumi.gov.in and digitalsatbara.mahabhumi.gov.in. Verify every detail carefully. Keep both digital and printed copies of your records safe. Apply for corrections immediately when you find discrepancies. Consult legal experts for complex cases. Don’ts Avoid using third-party or unofficial apps. Never share your login credentials or OTPs. Do not use unsigned extracts for legal or financial purposes. Avoid delays in updating ownership or mutation details. In urban areas, the Property Card (Malmatta Patrak) serves a similar purpose. You can download it through the same MahaBhulekh portal. 7. Frequently Asked Questions Q1. What is the difference between an unsigned and a digitally signed 7/12 extract?An unsigned extract is for reference only and has no legal validity. A digitally signed extract, obtained for ₹15, is officially recognized for all legal and financial transactions. Q2. How much does a digitally signed extract cost?Each download costs ₹15. You may need to maintain a balance in your portal account before downloading. Q3. Can I correct mistakes online?Yes. Use the e-Rights system to apply for corrections. Your local Talathi will verify the request before updating records. Q4. Is there an official app for Mahabhulekh?No separate app exists for 7/12 extracts. However, the E-Peek Pahani app provides crop information for farmers. Always use official portals for land record access. Q5. What is a Property Card, and how is it different from the 7/12 extract?The Property Card (Malmatta Patrak) is the urban equivalent of the 7/12 extract. It records ownership and property details for city areas. Q6. How long do I have to download my signed extract?You can download your signed 7/12 extract within 72 hours after payment. Q7. What does “encumbrance” mean?An encumbrance refers to any loan, mortgage, or legal claim against the land that may limit ownership rights. Q8. What is a Gat or Survey Number?It’s a unique identification number assigned to each land parcel by the Revenue Department. 8. Final Thoughts Accessing your 7/12 Extract Kolhapur has become simple, fast, and secure through the government’s online platforms. This document is your legal proof of land ownership — essential for transactions, loans, and inheritance matters. By checking your 7/12 extract regularly and keeping it updated, you can avoid ownership disputes and maintain peace of mind. At Piramal Finance, we believe that being informed helps every landowner make smarter and stress-free financial decisions whether it’s verifying property records or planning your next home loan.
05-11-2025
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How to Get Your 7/12 Extract Aurangabad Online Easily

The 7/12 Extract Aurangabad is an essential land record document for anyone who owns or plans to buy land in Maharashtra. It contains details like land ownership, size, crop information, and existing legal claims. You can now access this record easily through Maharashtra’s official online portals, MahaBhulekh or the Digital Satbara Portal. Getting your 7/12 extract online saves time, ensures accuracy, and gives you verified proof of ownership. It’s one of the simplest ways to stay informed and avoid disputes related to land and property. Key Takeaways · Access your 7/12 Extract Aurangabad online via the MahaBhulekh or Digital Satbara Portal. · It serves as official proof of land ownership in Maharashtra. · The document is required for farm loans, property transactions, and government schemes. · Always cross-check the details on your 7/12 extract for accuracy. Table of Contents 1. What Is a 7/12 Extract? 2. Why the 7/12 Extract Matters 3. How to Get Your 7/12 Extract Aurangabad Online 4. Step-by-Step Process 5. Getting It Offline (If Needed) 6. Quick Tips: Do’s and Don’ts 7. Frequently Asked Questions 8. Final Thoughts 1. What Is a 7/12 Extract? The 7/12 Extract, also called Satbara Utara, is a vital land record maintained by Maharashtra’s Revenue Department. It provides a complete snapshot of a piece of land, including the owner’s name, rights, survey or Gat number, land size, and legal claims. The term 7/12 refers to two forms: Form 7 (ownership details) and Form 12 (agricultural details). You can think of it as the Aadhaar card for your land unique, official, and necessary for every land-related transaction. 2. Why the 7/12 Extract Matters This single document plays a key role in ensuring transparency and security in land ownership. · Proof of Ownership: The 7/12 extract is an officially recognized proof of ownership across Maharashtra. · Loan Applications: Farmers need it to apply for agricultural loans, claim subsidies, or access crop insurance. · Smooth Property Deals: Buyers and sellers rely on it to verify ownership and check for legal disputes. · Legal Protection: It is accepted in court as evidence in property-related cases. 3. How to Get Your 7/12 Extract Aurangabad Online You can now get your 7/12 extract instantly from your home through either of these websites: • MahaBhulekh Portal: bhulekh.mahabhumi.gov.in • Digital Satbara Portal: digitalsatbara.mahabhumi.gov.in 4. Step-by-Step Process to Download Your 7/12 Extract 1. Step 1: Visit the MahaBhulekh or Digital Satbara Portal. 2. Step 2: Choose your district (Aurangabad). 3. Step 3: Select your Taluka and Village. 4. Step 4: Search using Survey Number, Owner’s Name, or Property Number. 5. Step 5: View and verify the details carefully. 6. Step 6: Download or print your extract by paying Rs. 15 online. 5. Getting It Offline (If Needed) If internet access is limited, you can still obtain your 7/12 extract by visiting your nearest Tahsildar or Talathi office in Aurangabad. Bring your land details (Survey/Gat Number) and a valid ID proof (Aadhaar card). The staff will help you retrieve your record. 6. Quick Tips: Do’s and Don’ts Do’s: · Always verify every detail on your extract. · Keep both physical and digital copies safely. · Use only official government portals. · Check for encumbrances or legal claims before transactions. Don’ts: · Don’t rely on outdated extracts. · Don’t share personal land details on unofficial websites. · Don’t assume your land record is updated, check it regularly. 7. Frequently Asked Questions · What is the difference between Form 7 and Form 12? Form 7 lists the landowner’s details and ownership rights, while Form 12 provides agricultural information such as crops, cultivation area, and irrigation type. · Is an online 7/12 extract legally valid? Yes. The digitally signed extract downloaded from the official portals is fully valid for all legal and financial purposes. · How much does it cost to get an online extract? The typical fee is around Rs. 15 per extract, payable online through the portal. · What should I do if I find an error on my extract? Visit your local Talathi or Tahsildar office with supporting documents and request a correction. · Can I access old records online? Yes, older records can often be viewed on the portal. However, always use the latest version for official purposes. · What is a Gat Number? A Gat Number is a unique identifier assigned to a specific land parcel, similar to a survey number. · Why do banks ask for the 7/12 extract? Banks verify ownership, loan history, and land use before approving agricultural or property loans. · Can I get a 7/12 extract for other districts? Yes. The MahaBhulekh portal covers all districts in Maharashtra. 8. Final Thoughts The 7/12 Extract is a small document with big importance. Whether you are a farmer, property owner, or buyer, this record ensures transparency, protects your interests, and simplifies land-related processes. With Maharashtra’s digital portals, obtaining your 7/12 extract has never been easier, saving time, effort, and paperwork. At Piramal Finance, we believe that being informed empowers you to make confident choices from applying for a home loan to planning your financial goals.
04-11-2025
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