The Central Registry of Secured Transactions (CERSAI) is a national registry in India that captures information on all collateralised borrowing transactions. It was set up in 2011 by the Reserve Bank of India (RBI) and the Indian Banks’ Association (IBA) to improve the quality of credit information available to lenders and to help them make better-informed lending decisions. CERSAI is a centralised database that contains information on individual and corporate borrowers who have pledged assets as collateral for loans. Learn who owns CERSAI, why it was founded, how to access the CERSAI login page and other important details.

What is CERSAI?

The Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) is a central online registry maintained by the Reserve Bank of India (RBI). It was set up in December 2011 with the main objective of facilitating securitisation and asset reconstruction transactions. It provides a centralised platform for registering security interests over all types of movable and immovable property.

Furthermore, CERSAI is also responsible for maintaining the data bank of information relating to charges created on properties pledged as collateral for borrowing by companies, banks, and other financial institutions. This practice helps lenders get timely and accurate information about the status of their collateral, thereby reducing risks associated with lending.

Who owns CERSAI?

The Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) is an organisation set up by the Indian government to act as a central repository of information on securitisation transactions and asset reconstruction in the country. The registry is maintained by the Reserve Bank of India (RBI).

Why was CERSAI Founded?

CERSAI was founded in 2006 by a group of individuals who believed there was a need for an organisation that could provide independent, expert advice on financial regulation and supervision.

The founding members were all experienced practitioners in the field of banking and finance, and they saw the value of having an organisation that could provide impartial and objective advice to regulators and policymakers.

CERSAI has since grown to become a leading think tank on financial regulation, and both policymakers and industry experts highly respect its work. It checks frauds in lending against equitable mortgages, wherein people opt for multiple loans on the same asset from several banks.

The organisation’s mission is to promote sound financial regulation and supervision, which is essential for the stability of the global economy.

CERSAI Login Process

Registration with CERSAI requires an entity to submit an application form along with the required documents. The process usually takes around 10-15 days.

If you have already created an account on CERSAI, here are the steps you need to follow to access the CERSAI login page:

  • Visit the official website.
  • Enter your registered email id in the first box on the CERSAI login page.
  • Enter your password in the second box.
  • Click on the ‘Login’ button. 
  • If you have forgotten your password, click the Forgot Password link on CERSAI login page and enter your registered email id. You will receive an email with instructions to reset your password.

Importance of CERSAI for Homebuyers

When you are buying a property in India, it is important to know about the Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI). This registry maintains records of all security interests created over movable and immovable properties in India.

It is important for taking a home loan as it helps homebuyers check if there are any existing security interests on the property they are planning to buy. If there are any, they can take appropriate measures to protect their interests.

The CERSAI was set up in 2008 and is maintained by the Reserve Bank of India. It is a centralised database containing information on all charges created on properties across India.

As a homebuyer, you can search the CERSAI database to check if any charges are created on the property you are interested in. If there are any charges, you will be able to see details such as the name of the charge holder, the date on which the charge was registered, and the amount outstanding.

This information is important as it helps you to assess the risks involved in buying a particular property. You can also use this information to negotiate with the seller to get a better deal.


CERSAI is a powerful tool that you can use to improve your business processes and operations. It can help you save time and money by automating tasks, improving communication, and reducing errors. Additionally, CERSAI can help you improve customer satisfaction and loyalty by providing a more efficient and effective customer experience.

When it comes to home loans, there is a lot of paperwork involved. The Central Registry of Secured Transactions (CERSAI) is one of the many things you will need to take care of. In this article, we have told you all you need to know about CERSAI home loan.

Written by

Master Henry

Meet Master Henry, the prolific Australian author with a flair for capturing the essence of lifestyle, travel, and fashion in his captivating prose. Hailing from the land Down Under, Henry weaves vivid tales that transport readers to exotic destinations and infuse his writing with a touch of Aussie charm. With a keen eye for trends and an innate understanding of the finer things in life, Master Henry's work transcends conventional genres, offering a unique blend of sophistication and wanderlust.