Securing a Bank Loan with Original Sale Deed vs. Certified Copy: Ensuring Legitimacy and Preventing Fraud

Securing a bank loan using property as collateral is a common practice. However, the process can be complex and fraught with potential pitfalls, especially when it comes to the documentation required. One of the key documents in this process is the sale deed of the property. But what if you only have a certified copy of the sale deed and not the original? Can you still secure a loan? And more importantly, how can you ensure the legitimacy of the process and prevent potential fraud? This article will delve into these questions and provide some insights.

Understanding the Importance of the Sale Deed

The sale deed is a crucial document in property transactions. It serves as proof of ownership and is required by banks when applying for a loan using property as collateral. The original sale deed is usually preferred, but in some cases, a certified copy may be accepted.

Original Sale Deed vs. Certified Copy

While the original sale deed is the most reliable proof of ownership, a certified copy can also serve the purpose in some cases. A certified copy is a copy of the original document, certified as a true copy by a public officer. However, it’s important to note that not all banks may accept a certified copy in lieu of the original. It’s best to check with your bank to understand their specific requirements.

Preventing Fraud

One of the concerns with accepting a certified copy instead of the original sale deed is the potential for fraud. Since anyone can obtain a certified copy of a property’s sale deed by paying a nominal fee, there’s a risk that someone could use this to fraudulently secure a loan. To prevent this, banks have stringent verification processes in place.

Ensuring Legitimacy

To ensure the legitimacy of the loan application, banks typically conduct a thorough verification of the property and the documents provided. This includes checking the authenticity of the sale deed, verifying the identity of the applicant, and conducting a physical inspection of the property. If there are any discrepancies or doubts, the bank may reject the loan application.


In conclusion, while it’s possible to secure a loan with a certified copy of the sale deed, it’s not always guaranteed. The acceptance of a certified copy instead of the original depends on the bank’s policies and the outcome of their verification process. To ensure a smooth loan application process, it’s best to provide the original sale deed if possible. If not, make sure to understand your bank’s requirements and prepare for a thorough verification process to prevent potential fraud.