PattaChitta refers to the land record of Tamil Nadu. It contains all the necessary information about a plot within the state, including the owner’s name, area, size, etc. It is one of the necessary documents to prove legal rights over a piece of land within this state.

The Tamil Nadu Government has digitized land details within its purview and made these records available in its ‘Anytime/Anywhere e-Services’ portal. You need to know all about this Patta Chitta record, its benefit, and how you can obtain it from the online portal.

What is Patta Chitta?

Originally, Patta and Chitta were two separate documents. Patta was a land record of an estate containing various details, as mentioned below:

• Owner’s name
• Property area or dimension
• Patta number
• Location of the property (village, taluk, and district)
• Tax details
• Survey number
• Subdivision number

On the other hand, Chitta contained revenue details and the type of land. Village Administration Officer or the VAO is responsible for maintaining this record. Here are all the details about the land you can get from Chitta:

• Ownership of a land
• Size and area of a property
• Type of land (Nanjai or Punjai)

‘Nanjai’ refers to a wetland, whereas ‘Punjai’ indicates that the concerned property is dry land.

In 2015, with the digitization of all land records, the state government also merged Patta and Chitta and combined all the details into one record. You can easily obtain this Patta Chitta record from the e-Services portal of Tamil Nadu.

How to Apply Online for Patta Chitta

Here is a stepwise guide to obtaining this land record from the government portal:

Step 1: Visit the ‘Anytime/Anywhere e-Services’ portal

Step 2: Tap on ‘View Patta/Chitta’

Step 3: Choose the district, taluk, and village name to mention the location of your plot

Step 4: Enter the CAPTCHA code properly

Step 5: Provide either the ‘Patta Number’ or ‘Survey Number’ after selecting one of these options

Step 6: Click on ‘Submit’

After these steps, you will be able to view the Patta Chitta records in the next window. After getting this record, you should ideally save and get a printed copy of it for future reference.

Benefits of Patta Chitta Record

The following are some major advantages that this Patta Chitta record provides:

• Record of plot ownership

This government-issued land record acts as a certified document regarding property ownership. You can use this record to mitigate any legal disputes. This document can also help you in claiming compensation from the government if, for some reason, they use your land for public welfare projects.

• Verification of land details

The Patta Chitta record is one of the reliable documents to check and verify details regarding a plot. You can refer to this record to learn about a plot’s details while purchasing it. This way, you can avoid being a victim of land-related scams.

Besides these, you can also use this document during the documentation process of a home loan or a loan against property. Being a government-certified record, lenders will easily accept Paata Chitta records to verify the ownership of the land you mortgage for the debt.

Nevertheless, to get a home loan, you need to provide some additional documents along with your Patta Chitta.

Documents Required for a Home Loan

Here are the basic documents you need to submit during the application process for a home loan:

• KYC documents: PAN card, Aadhaar card, driving license, voter ID card, passport, etc.
• Proof of income: Payslips for the last two months, Form 16, Income Tax returns for the last three years
• Property records: Sales deed, No-Objection-Certificate from your housing society or builder, allotment letter, etc.

Note that your lending institutions may ask for additional documents if they consider it necessary. All these documents help your financial institution ensure that the details provided by you in the home loan application form are correct and you meet their eligibility requirements.

How to Apply for a Home Loan

Here is a step-by-step process for applying for a home loan:

Step 1: Visit the marketplace for a loan

Step 2: Go to the home loan section and select a lender

Step 3: Get the ‘Home Loan’ application form by clicking on ‘Apply Now’

Step 4: Enter all the required personal, professional and income details

Step 5: Mention your preferred tenure and loan amount

Step 6: Submit your filled-in application form

After this, you will get contacted by your lender’s representative. The personnel from the lender will guide you about the next procedures.

In conclusion, Patta Chitta is a government-issued digitalized land record. It contains all the important details of land belonging to Tamil Nadu. You can refer to this document while buying land to ensure that all the details stated by the property seller are true. As it contains ownership details of the land, you can also submit this paper during the documentation process of your land.