10/06/2026
YOUR CO-OWNER JUST USED YOUR PROPERTY AS COLLATERAL.
You did not know. You were not asked.
Under Indian property law, a joint co-owner can mortgage his undivided share of a property to raise a loan — without your consent, and sometimes without your knowledge.
"With private lenders in Punjab, this happens. With banks, it is less common — but the risk is real."
By the time you find out, there is a bank claim sitting on your asset. An asset you may have built over a lifetime.
This is not a hypothetical. I see it.
The fix is not complicated — but it requires the right documentation in place before the loan is raised, not after.
If you own a property jointly with a sibling, a spouse, or a business partner and you are sitting in Canada — do one thing this week. Get your NRI Property Title Check done. ₹12,300 / $149. Report in 48 hours.
One report. Complete picture. No surprises.
WhatsApp: +91-97791-10555
[email protected]
nricareconnect.com
Colonel CVS Sehgal (Retd.)
NRI Property Consultant — Succession | Investment | Sale & Purchase | Wealth Protection
Chandigarh | cvssehgal.com | WhatsApp: +91-97791-10555 | [email protected]