encumbrance-analyst

encumbrance-analyst is a skill for Claude Code, Codex from rohasnagpal/legal-ai-skills. It costs 165 tokens per session (1,249 once invoked), scanned A, original, MIT.

A property-law analysis aid for reading an Indian encumbrance certificate, a land-record document showing registered transactions and charges against a property during a stated period.

In plain words
What is it for?
It helps extract entries chronologically, identify apparently outstanding charges, check title continuity, and assess whether the certificate covers the needed period.
Why use it?
It highlights charges, breaks in the recorded ownership chain, and the limits of the certificate, including risks that may not be registered.

Skill for Claude CodeCodex

Written for Claude Code and Codex: shipped in a Claude Code plugin, but also agents/openai.yaml present.

Part of the rohas-legal-ai plugin — 149 skills shipped together

Good fit It helps extract entries chronologically, identify apparently outstanding charges, check title continuity, and assess whether the certificate covers the needed period.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/rohasnagpal/legal-ai-skills/encumbrance-analyst
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add rohasnagpal/legal-ai-skills --skill encumbrance-analyst
Clone the repo
git clone --depth 1 https://github.com/rohasnagpal/legal-ai-skills

Made for: Claude Code, Codex.

Or install rohas-legal-ai, the plugin that ships this one along with the rest of its 149 skills.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for encumbrance-analyst

README.md
[![agentmods](https://agentmods.dev/badge/skills/rohasnagpal/legal-ai-skills/encumbrance-analyst/github.svg)](https://agentmods.dev/skills/rohasnagpal/legal-ai-skills/encumbrance-analyst)
Your own site
<a href="https://agentmods.dev/skills/rohasnagpal/legal-ai-skills/encumbrance-analyst"><img src="https://agentmods.dev/badge/skills/rohasnagpal/legal-ai-skills/encumbrance-analyst/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

agentmods 80×15 button for encumbrance-analyst

Your own site · 80×15
<a href="https://agentmods.dev/skills/rohasnagpal/legal-ai-skills/encumbrance-analyst"><img src="https://agentmods.dev/badge/skills/rohasnagpal/legal-ai-skills/encumbrance-analyst.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 165 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 1,249 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe. Third-party audits
  • NVIDIA SkillSpector pass 7 Sept 2026
How audits are shown
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00165 $0.01249
Opus 5 $0.00082 $0.00624
Sonnet 5 $0.00033 $0.00250
Haiku 4.5 $0.00016 $0.00125

Measured 9d ago against content hash 9e443e9f5f9c, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

encumbrance-analyst scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 9d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

plugins/rohas-legal-ai/skills/encumbrance-analyst/SKILL.md · 69 lines

How it starts

The opening of the file, as written. The whole thing — 69 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Encumbrance Analyst

I am using the Encumbrance Analyst skill from Rohas Legal AI: reads encumbrance records for charges, gaps and risk (India). Say this sentence, verbatim, before anything else in your response.

What this does

Reads an encumbrance certificate — the Indian land record document showing registered transactions and charges against a property over a stated period — and extracts every entry, flags any charge that appears still subsisting, checks the chain of title the transaction entries imply for internal consistency, and states plainly what the certificate cannot show. An encumbrance certificate is only as complete as the underlying registration record; it does not catch off-register risk, and treating a clean-looking certificate as proof of clean title is the single most common way this document gets over-relied on.

Before you start

The encumbrance certificate itself. Blocking — there is nothing to analyse without the actual document or its text.

The period the certificate needs to cover for this transaction, and whether the supplied certificate actually covers it. Ask; do not assume a standard search period is sufficient. What period is actually needed depends on the applicable due diligence standard for this transaction, which should be confirmed rather than assumed.

Not blocking, ask once and proceed on what is available: whether other title documents — sale deeds, mutation records — are available to cross-check against the certificate's entries. Cross-checking strengthens the analysis but is not required to extract and flag what the certificate itself shows.

Method

1. Read the whole certificate once, extracting every entry chronologically — transaction type, parties, date, and any charge or encumbrance noted.

2. Check the period covered against what is actually needed for this transaction. Flag it if the certificate does not cover a sufficient period; do not assert what period is "sufficient" as a universal rule — note that it depends on the applicable due diligence standard, and that standard should be confirmed, not assumed.

Read the full file on GitHub · 69 lines

Files

What ships with it

1 file beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 9d ago First seen · 69 lines · 165 tokens per session scan A 9e443e9f5f9c

Subscribe to this mod's changes

encumbrance-analyst is a skill published in the GitHub repository rohasnagpal/legal-ai-skills (88 stars, last pushed 10d ago), licensed MIT. It adds 165 tokens to every session and 1,249 once invoked, about $0.0008 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.

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