Mutation certificate: Steps and Procedure to apply
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Indialends, 01 Oct 2025

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Mutation Certificate

The mutation of a property is also known as “Dakhil-Kharij” in Hindi. Mutation refers to the transfer of the property ownership from an existing owner to the new owner. Though a mutation certificate is not a legal document, however, it is still essential when you want to sell or transfer your property in the future. With the help of a mutation certificate, the new owner will be able to record the property on his/her name in the land revenue department.

Types of Mutation

There are types of mutations. These are-

Mutation of agricultural lands

In the case of agricultural lands, the mutation is necessary. You cannot transfer a land title to the new owner without showing a mutation certificate. If the government is acquiring the land, the compensation is given to only those who have their names registered in the land revenue records.

Mutation of non-agricultural lands

In the case of non-agricultural lands, such as flats, independent houses, residential plots, etc., a failure to mutate will not affect the purchaser's title, and they will remain the owner of the property. However, it will prevent them from receiving electricity and water connection and will not be liable to pay the municipal tax.

Importance of Mutation Records

  • Helps the government body to decide the tax liability when there is a change in the property ownership
  • Helps you to correct errors in the records in case of an unauthorized transaction against the property
  • Serves as proof of property ownership

How to apply for a Mutation Certificate?

The application process for a mutation certificate varies from one to another. For example, let us have a look at the mutation application process that is followed in the state of West Bengal.

Offline Application-

Step 1: Go to the office of the sub-registrar and complete the required registration process for mutation.

Step 2: Post that, you need to request the land mutation application form and fill the required fields as per the given format. Here is what the application form looks like.


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Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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