as an officer of the bank, you need to insist upon mutation as possession does not ipso facto prove the ownership of property.

Mutation is mandatory.

You should insist for mutation else the property may be sold to some one else prior to the sale of your customer and he had got the mutation done then your job will be in trouble.

Good luck.

If it is in punjab then i can conferm that there must be hanky panky.

Regards

adv.kamal.grover@gmail.com

Advocate Chandigarh

09814110005

All depends on reasons for which mutation could not be done - the reasons could be title not legal, possession not legal, order of court etc.

It is also equally true that mutation of name is not sine qua non of perfect title.