India: Charges, Mortgages, Indemnities

In July 2026, reports emerged that the Reserve Bank of India (RBI) is set to introduce standardised guidelines for property title searches that banks must perform before approving secured loans. The proposed framework is expected to specify a minimum period for title searches, identify essential documents and records to be verified, and outline uniform standards for preparing title search reports. If implemented, it will be the first time India’s banking regulator applies a uniform minimum standard for title due diligence across all scheduled commercial banks.

Over the past decade, lending relationships between the United Arab Emirates and India have deepened significantly. Indian nationals form one of the largest expatriate communities in the UAE. Indian-owned SMEs, family businesses, and cross-border trading entities routinely access UAE banking facilities.

The Supreme Court of India ("Supreme Court") in its recent judgement in The Cosmos Co. Operative Bank ltd vs. Central Bank of India and Ors, has held that ...