Certified copy of title deed

Certified copy can be accepted. And also obtain Encumbrance Certificate from sub-registrar office to enable the property whether it is mortgaged or not.

pointwise reply  :

1)Normally the Banks donot entertain loans against certified copies,the answer to the question has been given in your second question,If the owner says he has lost the title deeds there is presumption that the property has been mortgaged somewhere else.

2) The certified title deed should not be compared with original as for as the security part is concerned.The bankers rightly donot entertain loans against certfied copies as the originals may have been mortgaged equitably ,The charge of Equitable mortgage is not reflected in the non encumberance certificate issued by the revenue Authorities.