Kagaznama

Caretaker and Permissive Occupation Agreement (Rakhwali Nama)

At a glance

Price
Free
Stamp duty
Punjab discontinued physical stamp paper; duty is via e-stamp through SHCIL — under Rs 500 self-generated at shcilestamp.com, higher denominations from an authorised centre.
Registration
Not compulsory, but worth doing: s.17(1)(d) covers only a lease year-to-year, over a year, or with yearly rent; a s.52 Easements Act licence creates no interest and reserves none — the 11-month ceiling is a second safeguard.
Witnesses
Two attesting witnesses: adults of sound mind, not a party, the Owner's attorney, or anyone living on or claiming the property.

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Also called

  • Rakhwali Nama
  • Rakhwala Agreement
  • Nigrani Nama
  • Dekh Rekh Samjhauta
  • Makan di Rakhwali da Samjhauta
  • Zameen di Dekh Bhaal da Iqrarnama
  • Chowkidar Agreement
  • Chowkidari Nama

When you need it

Own Punjab property, live outside India, someone looks after it informally? A phone-call arrangement is no document — an undocumented occupant is the commonest way Punjab NRIs lose property. Article 65, Limitation Act, 1963 gives an owner 12 years to sue for possession; section 27 extinguishes it after.

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Time doesn't run while permissive, but once hostile the clock starts, unnoticed abroad. This records that the occupant holds by your permission, re-acknowledged every term — the cheapest defence against adverse possession or an oral gift. It also blocks drift into tenancy — a caretaker becoming a "paying tenant" or entering the khasra girdawari as cultivator. This reserves no rent, refuses exclusive possession, bars mutation or any revenue entry in his name — a bare licence under section 52, Easements Act, 1882; no interest passes. Keep the term to 11 months and renew: beyond a year, or with yearly rent, a lease is compulsorily registrable under section 17(1)(d), Registration Act, 1908 — the template enforces this ceiling. Renewal is Part B (both sign, fresh dates); Part A is the Caretaker's yearly acknowledgment (he alone signs) and extends nothing — sign both. Buy the e-stamp before anyone signs — the commonest way an NRI document is wasted. Section 17, Stamp Act, 1899 requires stamping before execution for any India-signed instrument; section 18's grace needs EVERY signatory abroad. Since the Caretaker signs in Punjab, buy the e-stamp first, courier it abroad for the Owner's signature. Do NOT use for: rent (a tenancy, however labelled); a farmer paid cash or crop-share (a theka, registrable above 11 months); a sale or litigation power (a POA — non-relative sale costs 2% of consideration or the Collector rate, item (f), entry 48, Schedule I-A, Indian Stamp (Punjab Amendment) Act, 2023); gifting in instalments (a gift deed or will instead); an occupant claiming tenancy (needs a suit for declaration/possession); more than three owners (caps at two co-owners); or a Chandigarh sector property (Estate Officer, Capital of Punjab (Development and Regulation) Act, 1952). Also: under FEMA (Non-debt Instruments) Rules, 2019 and RBI FED Master Direction No. 12/2015-16, an NRI/OCI may buy any Indian property except agricultural land, plantation or a farm house, but may inherit any — a foreign-passport holder with agricultural land should answer inheritance or pre-emigration purchase.

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What follows is written for Punjab. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

Punjab discontinued physical stamp paper; duty is via e-stamp through SHCIL — under Rs 500 self-generated at shcilestamp.com, higher denominations from an authorised centre. Buy it in the Owner's name, engross the Agreement, then sign. Which section governs matters more than the figure: if ANY party signs in India (the Caretaker almost always does), section 17 requires stamping before execution — section 18 gives nothing. Buy the e-stamp first, courier it abroad for the Owner's signature. ONLY if every signatory signs outside India does section 18(1)'s three-month window apply, from receipt, not signing. Not a lease — no exclusive possession, no rent — so no Article 35 lease duty; it's Article 5 (agreement not otherwise provided for), a small fixed figure. Kagaznama doesn't print it since the Revenue table carries no date or notification number — check the Sub-Registrar's counter, adjudicated under sections 31-32 if disputed. If it in substance hands over exclusive possession for a term, it can be recharacterised as a lease — 4% of average annual rent under one year (figures above are inconsistent; confirm at the counter). Keep rent nil and possession non-exclusive. Section 35 makes an unstamped instrument inadmissible and unusable by any public officer, with a penalty up to 10x the deficient duty on impounding. A power of attorney authorising sale to anyone but a spouse, child, parent, sibling, grandparent or grandchild costs 2% of consideration or the Collector rate, whichever higher — item (f), entry 48, Schedule I-A, Indian Stamp (Punjab Amendment) Act, 2023, gazetted 15 January 2024. Chandigarh: Punjab-only — the 2023 Amendment doesn't run there. Chandigarh applies the Stamp Act, 1899 as extended, e-stamped through SHCIL, Deputy Commissioner as Collector (ss.31-32); a sector site under the Capital of Punjab (Development and Regulation) Act, 1952 is the Estate Officer's.

Registration

Not compulsory, but worth doing: s.17(1)(d) covers only a lease year-to-year, over a year, or with yearly rent; a s.52 Easements Act licence creates no interest and reserves none — the 11-month ceiling is a second safeguard. Optional under s.18. Where: the Sub-Registrar or Joint Sub-Registrar of the tehsil, via NGDRS at igrpunjab.gov.in (all 22 districts). Fee: 1% of stated value, capped Rs 2,00,000 (undated, possibly stale) — assessed at the counter. Time limit: s.23 requires presentation within four months; s.25 allows four more on a fine up to 10x the fee. Separate from stamping: an India-signed instrument must be stamped BEFORE signature (s.17), only an entirely-abroad execution getting s.18's three months. Either way, record it with the Halqa Patwari (a rapat in the roznamcha waqiati; municipal or allotted property goes to that office instead) — no mutation arises since nothing transferred, but object before the Tehsildar or Naib Tehsildar (Assistant Collectors, 2nd grade, Land Revenue Act, 1887), appeal to the Collector, Divisional Commissioner, then Financial Commissioner. Check the jamabandi free at jamabandi.punjab.gov.in; a certified fard comes from the tehsil Fard Kendra (in flux since April 2025's Sewa Kendra shift). Chandigarh: at the Sub-Registrar, Estate Office complex, Sector 17; a sector site under the Capital of Punjab (Development and Regulation) Act, 1952 additionally needs the Estate Officer — clause 15.3's revenue-appeal route doesn't exist there.

Notarisation

Not legally required — valid without it — but notarise anyway, since a dated register entry is an independent record. Notarise Part A's acknowledgment every term, and Part B's renewal too. It doesn't stamp the document — an India-signed deed must already be e-stamped under section 17; only an entirely-abroad execution gets section 18's three months from receipt. A power of attorney to sign, supervise or present for registration needs authentication under section 33(1)(c), Registration Act, 1908 by a Notary, Court, Magistrate or Indian Consul — Punjab Sub-Registrars often insist on consular attestation despite India's Hague Apostille status; see G. Kalawathi Bai v. G. Shashikala, 2025 INSC 851 on dual-capacity attorneys. Sign every page; cross-sign passport photos of all parties; photograph the Caretaker with his Aadhaar beside the signed page; email a scanned copy for a dated record abroad. Chandigarh notaries are Central Government-appointed (District Court, Sector 43); same Notaries Rules, 1956 practice.

Witnesses

Two attesting witnesses: adults of sound mind, not a party, the Owner's attorney, or anyone living on or claiming the property. Record full name, parentage, address, Aadhaar and mobile for each — traceable in 2038, not a passer-by or the Caretaker's own brother. If registering, this is separate from registration: sections 32 and 34, Registration Act, 1908 require executants to appear before the Sub-Registrar within the section 23 window, identified, with two identifying witnesses; every signing co-owner must appear or send an authenticated attorney. Both Second Schedule forms need two witnesses each; reusing the same two strengthens the record. Same in Chandigarh — only the office differs.

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Sample preview — placeholder answers, not your data

CARETAKER AND PERMISSIVE OCCUPATION AGREEMENT
(RAKHWALI NAMA)

A bare licence under section 52 of the Indian Easements Act, 1882.
This is NOT a lease, NOT a tenancy, NOT an agreement to sell and NOT a power of attorney. No interest in immovable property passes under it.

THIS AGREEMENT is made at Jalandhar on 3 April 2026

BETWEEN

Gurpreet Singh Sandhu, son of Sardar Joginder Singh Sandhu, a Non-Resident Indian holding an Indian passport, holding passport No. Z4821956, ordinarily resident at 42 Windermere Crescent, Southall, Middlesex UB1 2QT, United Kingdom, and having an address in India at House No. 118, Guru Nanak Nagar, Phagwara, District Kapurthala, Punjab 144401, PAN AFZPS4821K, contactable at gurpreet.sandhu@example.com and +44 7700 900482 (hereinafter called "the Owner", which expression shall, where more than one person is named above, mean all of them jointly and each of them severally, and shall, where the context admits, include the heirs, executors, administrators, legal representatives, attorneys and assigns of each of them) of the FIRST PART;

AND

Balwinder Singh, son of Shri Mohinder Singh, resident of Village Nurmahal, Tehsil Phillaur, District Jalandhar, Punjab 144039, holding Aadhaar No. XXXX XXXX 1234, mobile +91 XXXXX XXXXX, being the Owner's neighbour and long-standing family acquaintance (hereinafter called "the Caretaker") of the SECOND PART.

The Owner and the Caretaker are together called "the Parties".

RECITALS

A. The Owner is the sole and absolute owner in lawful possession of the immovable property fully described in the FIRST SCHEDULE below (hereinafter "the Property"), being a residential house situated in the revenue estate or locality of Village Kang Khurd, Tehsil Phillaur, District Jalandhar, Punjab.

B. The Owner acquired the Property by inheritance from a person who was resident in India. The Owner declares that the Property is held in conformity with the Foreign Exchange Management (Non-debt Instruments) Rules, 2019 and with the Reserve Bank of India FED Master Direction No. 12/2015-16 (updated 6 June 2022), under which a Non-Resident Indian or an Overseas Citizen of India may acquire agricultural land, plantation property or a farm house only by inheritance and not by purchase, and may acquire other immovable property by purchase.

C. The Owner resides outside India and is therefore unable to remain physically present at the Property. The Property is presently locked, unoccupied and unattended, and is by reason of the Owner's absence exposed to encroachment, dilapidation, pilferage and unauthorised occupation.

D. The Owner desires to place the Property under the care and watch of a person of trust for its safe custody and upkeep, and the Caretaker has agreed to render such care and watch upon the terms recorded below.

Questions about this document

Does the Caretaker and Permissive Occupation Agreement (Rakhwali Nama) need stamp paper or stamp duty in Punjab?

Punjab discontinued physical stamp paper; duty is via e-stamp through SHCIL — under Rs 500 self-generated at shcilestamp.com, higher denominations from an authorised centre.

See the full position on stamp duty, registration and witnesses
Does the Caretaker and Permissive Occupation Agreement (Rakhwali Nama) need registration in Punjab?

Not compulsory, but worth doing: s.17(1)(d) covers only a lease year-to-year, over a year, or with yearly rent; a s.52 Easements Act licence creates no interest and reserves none — the 11-month ceiling is a second safeguard.

See the full position on stamp duty, registration and witnesses
What does the Caretaker and Permissive Occupation Agreement (Rakhwali Nama) cost on Kagaznama?

Free.

Documents are free. Only kits are paid.

Does the Caretaker and Permissive Occupation Agreement (Rakhwali Nama) need witnesses?

Two attesting witnesses: adults of sound mind, not a party, the Owner's attorney, or anyone living on or claiming the property.

See the full position on stamp duty, registration and witnesses

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