CERSAI (Central Registry of Securitization Asset Reconstruction and Security Interest of India) portal helps stop fraud where properties are used as loan security. It keeps a public registry of secured interests on properties so banks and buyers can check if a property is already mortgaged or used as collateral. This guide covers everything you need to know about the CERSAI portal 2025, including how to log in, register entities, fees, and benefits.
Overview of CERSAI and Why It Was Created
CERSAI was set up by the Indian government under the SARFAESI Act, 2002. It prevents fraud related to multiple loans on the same property by keeping a central record of all secured interests against assets. Earlier, banks couldn’t easily find out if a property already had loans or mortgages. This caused problems for both lenders and buyers. Now with CERSAI, everyone can check the status of a property before lending or buying.
Who Owns CERSAI?
CERSAI is a government-owned company based in New Delhi. The Central Government holds most shares but the Reserve Bank of India (RBI) may take over the 51% government share since it’s related to banking. Other shares are owned by National Housing Bank and major public sector banks like SBI, PNB, and Bank of Baroda.
Main Features of the CERSAI Portal
- Keeps a database of all secured interests and mortgages on properties across India.
- Helps banks, housing finance companies (HFCs), and non-banking finance companies (NBFCs) register their loans and security interests.
- Runs a Central KYC Record Registry for smooth KYC record keeping.
- Improves clarity to reduce fraudulent property mortgages.
- The public can view details of equitable mortgages to make safer buying decisions.
How to Login to the CERSAI Portal
- Go to the official CERSAI website.
- Click on the Login button.
- Enter your User ID, Password, and Captcha code.
- Click Login to access your account.
How to Register an Entity on CERSAI Portal
- Visit the CERSAI official site.
- Click on the Entity Registration tab.
- Choose your registration method: CKYC (Central KYC) or Digital Signature.
- Fill out the required details correctly.
- Enter the Captcha code and submit the form.
Registration Fees for CERSAI Services
The fees for registering security interests at CERSAI depend on the loan amount and transaction type. Typical fees are:
| Transaction Type | Fee (Excl. Tax) |
|---|---|
| Creation/Modification of Security Interest | ₹100 for loans above ₹5 lakh; ₹50 for loans up to ₹5 lakh |
| Satisfaction of securitization or asset reconstruction | ₹50 |
| Satisfaction of existing Security Interest | No charge |
| Securitization or asset reconstruction | ₹500 |
| Assignment of Receivables | ₹10 for less than ₹5 lakh; ₹100 for ₹5 lakh and above |
| Search in CERSAI records | ₹10 |
| Delay condonation (up to 30 days) | 10x basic fee |
| Satisfaction of registration on receivables realization | No charge |
Benefits of Using CERSAI Portal for Homebuyers
If you’re planning to buy a house, it’s important to know if the property is free from loans or liens. Before the Real Estate Act 2016, homebuyers often faced fraud because of hidden liabilities. Now you can check the CERSAI database to confirm if the property is clear, helping you avoid costly legal troubles and unnecessary expenses.
How is the CERSAI Database Updated?
Indian banks and financial institutions must update the CERSAI database whenever a loan is given or closed. When banks grant a loan secured against property, they have to register the loan details within 30 days. This process is called Registration of Charges. RBI monitors compliance and may fine banks for delays to keep records accurate and up to date.
If you want to protect yourself from property fraud or want to know the details of mortgages on a property, the CERSAI portal is a useful tool. It brings clarity and trust between lenders, buyers, and sellers.