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Home Archive by category "Money and Property"

Ownership of immoveable property and related disputes.

By Sikha | Land and Property Disputes | 0 comment | 2 February, 2022 | 0

Ownership rights on land can be acquired by succession, survivorship, inheritance, partition and purchase. Disputes can arise out of objections about validity of rights of owner/seller or eligibility of purchaser and breach of government rules and regulations to hold the land. The manner in which these disputes are dealt with, is very specific to theRead more

What should I do when a ‘Right of Way Dispute’ arises?

By Sikha | Land and Property Disputes | 0 comment | 2 February, 2022 | 0

Easements or right of way is an owner’s or occupier’s right over other land, not his own, which allows them to enjoy their own property1. It includes the right to pass over the land of another person uninterruptedly to enjoy one’s own land. If there is obstruction of this right, you can sue for anRead more

What should I do if someone encroaches on my property?

By Sikha | Land and Property Disputes | 0 comment | 2 February, 2022 | 0

If someone encroaches or trespasses on your property or a construction extends beyond the boundary line, there are three ways to resolve it. Trespass: If someone enters your property:,  with the intention to commit an offence or to intimidate, insult or annoy you, or enters lawfully but remains there unlawfully, it can amount to criminal trespassRead more

How do I address a land measurement dispute?

By Sikha | Land and Property Disputes | 0 comment | 2 February, 2022 | 0

If there is a dispute between owners who have land next to each other about the measurements of their plots, they can resolve it by getting assistance from the government surveyor to conduct a joint survey. The ownership documents and the information in the revenue records have to be looked into while settling such aRead more

What are partition disputes and how are they resolved?

By Sikha | Land and Property Disputes | 0 comment | 2 February, 2022 | 0

Partition disputes refer to disputes around dividing the property of a Hindu Undivided Family as per the Hindu law of inheritance, i.e., Hindu Succession Act 1956.  There are two ways to resolve disputes about property partition: a family settlement agreement and a partition suit. Family Settlement Agreement A family settlement is a an agreement amongRead more

What are the advantages of having a last will and testament and how can I make one?

By Sikha | Land and Property Disputes | 0 comment | 2 February, 2022 | 0

A will is a written document a person makes to describe how their assets and wealth are to be distributed among their descendants. The making and execution of wills is governed by the Indian Succession Act of 1925, which applies to allreligions except Islam. Drafting a last will and testament ensures that your property isRead more

What are inheritance rights?

By Sikha | Land and Property Disputes | 0 comment | 2 February, 2022 | 0

When it comes to immovable property, inheritance refers to the transfer of a property’s ownership after the death of an individual. The ideal way to ensure smooth transfer of property ownership following someone’s death is through a will1.  However, if there is no will, i.e., an intestacy, law of inheritance applies to decide distribution ofRead more

If I have a dispute with someone about land or other immovable property, which court should I approach?

By Sikha | Land and Property Disputes | 0 comment | 2 February, 2022 | 1

The location of your property is one of the main considerations in deciding which court you should approach to file a suit about immovable property1. The court must have jurisdiction over the place where the disputed property is situated. If a property is located across jurisdictional boundaries of more than one court, the suit canRead more

What are the different kinds of disputes with respect to land and immovable property?

By Sikha | Land and Property Disputes | 0 comment | 2 February, 2022 | 0

Since land is considered to be one of the most important assets, the range of land-related disputes is huge. However, in this explainer, we will focus on the more common types of disputes, which include: Right of Inheritance DisputesPartition DisputesLand Measurement DisputesLand Encroachment and Boundary DisputesRight of Way DisputesLand Ownership DisputesRead more

What are the different laws discussed in this explainer?

By Sikha | Land and Property Disputes | 0 comment | 2 February, 2022 | 0

In this explainer, we refer to various laws that govern the different types of property disputes. This includes the Code of Civil Procedure 1908, the Hindu Succession Act 1956, the Indian Succession Act 1925, Islamic personal laws, Indian Penal Code 1860, Indian Easements Act 1882, and the Right to Fair Compensation and Transparency in LandRead more

Can I purchase a foreclosed property? 

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

When the mortgage borrower is unable or unwilling to pay their equated monthly instalments (EMIs) under the terms of the loan three times consecutively, the lender has a right to acquire that property and either sell or lease it out1. Such foreclosed properties are auctioned off by the lenders and a ‘reserve price’ is setRead more

Can I get a bank loan to buy a property using the same property as the collateral?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

Yes. You can get a loan from the bank to purchase an immovable property by using the same property as the collateral/security. This practice is widespread when people buy residential properties in India. Home loans are generally approved on the basis that the prospective home is the collateral. Such loans fall under the definition ofRead more

How can immovable property be used to raise bank loans?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

Land and housing are valuable assets, and as an owner, you can choose to seek a bank loan by using the property as a collateral. A ‘collateral’ is a valuable asset that a borrower offers as an assurance against which they can secure a loan. If you are unable to repay the money, you mayRead more

What is the importance of home insurance?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

Property insurance, in general, is of various kinds, depending on the property in question and the specifics of the insurance policy. Since it is a very vast category of General Insurance, the type of cover that you need depends upon the type of property you are seeking to cover. You should get a home insuranceRead more

Who do you complain to if there has been an issue related to  buying or selling property?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

You can approach the court to raise disputes over land and property for various reasons including claim on ownership, contestation over land acquisition, disagreement / disputes over real estate transactions, conflict over property inheritance, and misuse of rented property among others. There are different laws and procedures which explain how an individual can seek redressalRead more

How is gifting an immovable property different from sale or purchase of a property?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

A gift is a transfer of  movable or immovable property without consideration, i.e., without money. When a transfer of immovable property happens without any payment made while receiving such property, it is considered to be a gift. In such cases, the parties who give and receive property are known as Donor and Donee.  For aRead more

What is the process for registering the transfer of an immovable property?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 1

Property or land registration in India involves1:   paying stamp duty and the registration fee for sale deed, andhaving the documents legally recorded with the sub-registrar of the area where the property is located. At the time of registration, the authorised signatories of the seller and the purchaser have to be present along with two witnesses. StampRead more

Why is registration of transfer of an immovable property so important?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

The purpose of registering transfer of immovable property is to record the signing of the document. The ownership and transfer become legal only after registration, i.e. the ownership of the property is rightfully transferred only upon registration before the sub-registrar. Another significant benefit of paying registration fees and stamp duty is that the same areRead more

Is it more beneficial to register an immovable property on a woman’s name?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

Yes, it is more beneficial to register an immovable property on a woman’s name, as many states and banks have introduced financial benefits for women buying property. As a result, buying property in a woman’s name can bring many advantages such as:  Lower stamp duty rates: States like Delhi1, Haryana2, Rajasthan3 and Uttarakhand4 have lowerRead more

What should I consider when I am selling a house or land?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

If you are planning to sell a property, one of the most critical factors you must consider during the sale is the process of registering the transaction.  Registering the Sale Registering the transaction or sale is beneficial for both parties since it means that the government recognizes the transfer of property from the seller toRead more

How can I find the circle rates for a property?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

To find the circle rates for a property, you can go to the respective state government’s website (usually the Department of Registration and Stamps). For example, in order to find circle rates in Delhi, you can visit https://eval.delhigovt.nic.in/ where you must select the area where your property is located, the type of deed, the typeRead more

What should I consider when I am buying a house or land?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

One of the most critical aspects to consider when buying a land or house, is knowing whether: The price of the property is fair  Since land and property fall under State subjects as per the Constitution of India, laws and transactional rules vary depending on the state where the property is located. Depending on whereRead more

How can NRIs and PIOs sell property?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

NRIs and PIOs can sell property in India in accordance with the Master Circular.1 An NRI can sell property in India to a person resident in India or an NRI or a PIO. A PIO can sell property in India to a person resident in India, an NRI or a PIO – with the priorRead more

Who can sell property?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

Under the law, any person that is competent to enter into a contract i.e., who is 18 years old or above and is of sound mind, can sell an immovable property.1 There are specific rules for sale of property by NRIs and PIOs in India. However, for the sale of property to be legal, variousRead more

How can I transfer property to an unborn person?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

In order to transfer property to an unborn person, you must first transfer the property to a living person, which is usually done through the creation of a trust, until the unborn person comes into existence. This creates a vested interest in favour of the unborn person.1 For instance, if A is pregnant with aRead more

Who can buy and/or receive immovable property?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

Any citizen of India aged 18+ is eligible to buy property in the country. However, certain states such as Maharashtra, Gujarat, Himachal Pradesh, Karnataka, North-eastern states like Assam, Nagaland, Sikkim, among a few others, restrict non-farmers from purchasing agricultural land. Under Indian law, an unborn person can also receive immovable property1.  If you’re a Non-ResidentRead more

What are the different types of immovable property?

By Sikha | Using Your Property Effectively | 0 comment | 19 January, 2022 | 0

Under Indian laws, immovable property includes land, buildings, hereditary allowances, rights to ways, lights, ferries, fisheries or any other benefit to arise out of land, and things attached to the earth, or permanently fastened to anything which is attached to the earth, but not standing timber, growing crops nor grass.1 Due to the fact thatRead more

Types of Consumer Complaints

By Nyaaya | Consumer Rights, Money and Property | 0 comment | 9 November, 2020 | 2

Every person has a right to file the following types of consumer complaints under consumer protection law: E-commerce complaints “E-commerce” means buying or selling goods or services (including digital products) over digital or electronic networks1. It includes the production, distribution, marketing, sale or delivery of goods and services by electronic means 2.  E-commerce entities, suchRead more

Who can Complain?

By Nyaaya | Consumer Rights, Money and Property | 1 comment | 9 November, 2020 | 2

A complaint 1 about a product or service can be filed by 2 a number of persons under the law, such as: People who buy goods or use services for themselves or for their own work in exchange for a payment. 3 For example, if a person takes an Uber cab to work, they are aRead more

Punishments for Consumer Rights Violation

By Nyaaya | Consumer Rights, Money and Property | 0 comment | 9 November, 2020 | 2

The Central Consumer Protection Authority has the power to penalize an individual or entity for violating consumer rights. This is ensured through various means such as fines, taking back the defective goods1, reimbursements for such goods/services2, or discontinuation of unfair trade practices3. Punishments for false or misleading advertisements The manufacturer, advertiser or endorser is liableRead more

Fee for Making Complaints

By Nyaaya | Consumer Rights, Money and Property | 0 comment | 9 November, 2020 | 2

Every complaint1 filed under the consumer protection law must be accompanied with a nominal fee that is payable in the form of a demand draft of a nationalized bank or through a postal order2, or in electronic form3. The fee structure based on the value of goods or services is given below4:    Fee payableRead more

Mediation as a Dispute Settlement Resolution

By Nyaaya | Consumer Rights, Money and Property | 0 comment | 9 November, 2020 | 2

Mediation1 is an out-of-court settlement where the parties can decide the manner of the proceedings. It helps the speedy settlement of disputes.  The Consumer Protection Act, 2019 has introduced the provision where the relevant Commission can refer a consumer dispute for mediation, when there is a scope of settlement between the parties2. However, parties toRead more

What are Consumer Rights?

By Nyaaya | Consumer Rights, Money and Property | 0 comment | 9 November, 2020 | 2

Consumers who are unaware of their rights are vulnerable to the marketplace. It is vital for consumers to be aware of their rights so that they can make choices confidently, and with due regard to their interests. Consumer Rights include, but are not limited to, the following ((Consumer Rights, Department of Consumer Affairs, accessed atRead more

Consumer Complaints against E-Commerce Platforms

By Nyaaya | Consumer Rights, Money and Property | 4 comments | 9 November, 2020 | 2

Consumers can also complain against unfair trade practices involving digital and other products bought through e-commerce platforms and retailers. Any person who owns, operates or manages any digital or electronic platform offering goods or services for sale, is an e-commerce entity. An e-commerce entity is separately governed by e-commerce rules1 in India. These rules areRead more

What is Product Liability?

By Nyaaya | Consumer Rights, Money and Property | 0 comment | 9 November, 2020 | 1

Product liability refers to the responsibility of the product manufacturer or seller to compensate for the harm caused to the customer due to a defect in the product or deficiency in service1. The harm caused can include issues such as personal injury, mental distress, death, damage to property, breach of contract, etc2. For example, ifRead more

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Nyaaya - India's Laws Explained
  • Explainers
    • Constitution
      • Fundamental Rights
        • Right to Education
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        • Constitutional Remedies
    • Discrimination
      • Healthcare for LGBTQ+ Persons
      • Identification Proof for LGBTQ+ Persons
      • Manual Scavenging
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    • Family
      • Adoption
      • Care for Parents and Elderly
      • Child Marriage
      • Domestic Violence
    • Government and Politics
      • Unlawful Activities (Prevention) Act
      • 48 Hours Before Elections
      • Anti-Corruption
      • Armed Forces (Special Powers) Act
      • Campaigning and Elections
      • Identification Proof
      • Legal Aid
      • Right to Information
      • Sedition
      • Voting and Elections
    • Health and Environment
      • Water Pollution
      • Air Pollution
      • Abortion
      • Contraceptives
      • COVID-19
      • Drugs and Narcotics
      • Euthanasia
      • Mental Health
      • Noise Pollution
      • Patient Rights
      • Sex Selection
      • Smoking
    • Marriage and Divorce
      • Annulment of marriage
      • Christian Marriage
      • Divorce for Muslim Marriages
      • Divorce for Hindu Marriages
      • Dowry
      • Hindu Marriage
      • Inter-Religious Marriages
      • Muslim Marriage
    • Media and Communication
      • Censorship
      • Defamation
    • Money and Property
      • Land and Property Disputes
      • Using Your Property Effectively (Buying & Selling)
      • Consumer Rights
      • Cheques
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      • Rent
      • Theft
      • Will
    • Police and Courts
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Andhra Pradesh

Girl Child Protection Scheme

The Girl Child Protection Scheme is aimed at preventing gender discrimination by empowering and protecting rights of girl children through direct investment from the State Government. It provides a number of incentives to promote the empowerment of the girl child:

  • In case of a single girl child she is entitled to receive Rs.1.00 lakh after completion of 20 years of age.
  • In case of two girl children, both of them are entitled to receive Rs.30,000/- each, after completion of 20 years age.
  • Both “single girl child” and “two girl children” are entitled to receive Rs1,200/- per annum as scholarship from 9th class to 12th class (including ITI course) during their period of study, as a benefit under the scheme.

More information on this scheme can be found here.

Bangaru Thalli Scheme

Bangaru Thalli is a welfare scheme for girls launched by Government of Andhra Pradesh. The scheme supports the family of a girl from her birth till her graduation. All the Below Poverty Line white card holders are eligible for the scheme.

Details of the scheme can be found in the Andhra Pradesh Bangaru Thalli Girl Child Promotion and Empowerment Act, 2013.

Assam

Manjoni Scheme

Under this scheme, Rs. 5000 is deposited by the State Government at the time of the birth of a girl child and the girl would get the matured value of this fixed deposit when she turns 18. In order to be eligible for this scheme, the girl child must be born in a Government hospital and the family should have adopted the two child norm.

More information on this scheme can be found here.

Bihar

Mukhyamantri Kanya Suraksha Yojana

Under this scheme the girl child gets financial assistance from her birth till graduation amounting to a total of Rs. 51,000. The funds will be dispersed over a period of time upon attaining a certain age and completion of certain prerequisites:

  • At birth: Rs 2000
  • Age 1 upon issuance of Aadhar card: Rs. 1000
  • Age 2: Rs. 2000
  • Passing 12th grade: Rs. 10,000
  • Graduation: Rs. 25,000

These benefits are available to only 2 girls in a family and residents of Bihar. Girls coming from financially weaker backgrounds will be given priority. To apply to this scheme, the parents can visit the anganwadi centres, fill the application form and submit the necessary documents to the anganwadi workers.

Goa

MAMTA scheme for girl child

With a view of improving the female sex ratio of the State, under this scheme an amount of Rs. 10000/- will be paid to all the mothers who deliver a girl child  (maximum 02 deliveries) in a registered medical institution. Eligible mothers can apply to the Child Development Project Officer through the local Anganwadi Centre with a copy of the Birth Certificate within 45 days from delivering the child. The benefits are directly credited to the declared Bank Account.

There is an online application for this scheme. More information on this scheme can be found here.

Gujarat

Kunwarbai Nu Mameru Yojana

The Ministry of Women and Child Development of Gujarat has launched a scheme called Kunwarbai Nu Mameru Yojana that offers financial assistance of Rs. 10,000 to only one girl of a family. However, this scheme has been started specifically for the welfare of Scheduled Tribes and Scheduled Castes girls. Only those with an annual income limit of Rs. 1,20,000 (Rural areas) and Rs.1,50,000 (Urban areas) are eligible for this scheme.

More information on this scheme can be found here.

Haryana

Laldi Scheme

The Ladli Scheme of Haryana is meant to provide benefits to biological parents who have no son (biological or adopted) but only daughters. This scheme is only available to those who are either domicile of Haryana or working for the State government, whose gross annual income of the family does not exceed Rs. 2,00,000.

The pattern of this scheme is similar to the Old Age Samman Allowance scheme for the families having only girl children. The enrolment of families under this scheme commences from the 45th birthday of the mother or the father whoever is older of the two till their 60th birthday i.e. for 15 years (Thereafter they will be eligible for Old Age Samman Allowance). The rate of allowance provided is Rs. 1,800 per month.

More information on this scheme can be found here.

Himachal Pradesh

Indira Gandhi Balika Suraksha Yojana

Under this scheme, the families adopting family planning methods after the birth of the first female child will be given a sum of Rs. 25,000 and those adopting family planning methods after the birth of two female children will be given a cash of Rs. 20,000.

The health department of the Himachal Pradesh government also provides free of cost transportation either through taxi or ambulance for carrying pregnant women to the nearest hospital for delivery.

Beti Hai Anmol Yojana

Under this scheme, for all the families lying below the poverty line in Himachal and having one or two girls, a sum of Rs. 5100 will be deposited in the name of girls at the time of their birth. Moreover, to help in the education of such girls, scholarships ranging from Rs. 300 to Rs. 1500 will be given to them from class I to class XII.

More information on this scheme can be found here.

Jammu and Kashmir

Ladli Beti Scheme

Under this scheme, financial assistance of Rs. 1000 per month is made by the Government from the birth of the girl child / account opening date for the next 14 years. For this, zero balance accounts have already been opened in the Jammu and Kashmir Bank in respective localities. This is only applicable to girls born on or after 1st April 2015, and whose parental income is less than Rs. 75,000 per annum.

More information on this scheme can be found here.

Jharkhand

Ladli Lakshmi Yojana

Under this scheme, the State government offers a girl child from families below poverty line benefits of Rs. 1,80,600. An amount of Rs. 6,000 will be deposited annually into the girls account till she turns 5 years old. Further amounts will be added upon completion of higher education, marriage and so on, along with monthly allowances of Rs. 200 for girl students.

Karnataka

Karnataka Bhagyashree Scheme

With the idea of raising the status of girl children and promoting their birth in the country, the Karnataka government has come up with the Karnataka Bhagyashree Scheme. The scheme provides financial assistance to the girl child in families that lie below the poverty line through her mother or father who is subject to the fulfilment of certain conditions.

The government of Karnataka offers the following benefits to the eligible candidates of this scheme-

  • The girl child gets a health insurance cover of upto Rs. 25,000 per month
  • The child gets an annual scholarship of Rs. 300 to Rs. 1,000, depending upon her age upto 10th standard
  • The parents get Rs. 1 lakh in case of accident and Rs. 42,500 in case of natural death of the girl child.
  • On completing 18 years of age, the parents of the girl child would be paid Rs. 34,751.

Along with this, there are certain interim payments such as annual scholarships and insurance benefits that the beneficiary can avail upon continued fulfillment of the eligibility criteria. The grant of such facilities promotes the birth of girl children in economically weaker families and raises their status within the society.

Kerala

Education Assistance to Women Headed Families

The scheme proposes to extend a helping hand to these families by way of providing financial assistance to the education of children by the State government.

More information on this scheme can be found here.

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