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Kagaznama

Affidavit of Clear Title to a Lender

At a glance

Price: Free
Stamp duty: Article 4, Schedule I-A — a fixed duty, not %; forms print Rs 25, but neither Punjab's nor Chandigarh's table lists a rate, so confirm at the counter.
Registration: Not registrable (s.17) — declares facts, no property right created.
Witnesses: Not required; oath/attestation applies instead.

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Also called

mortgagor title affidavit
lender title declaration

When you need it

A sworn statement for the lender on title, encumbrances, litigation, possession and available documents — facts within the deponent's own knowledge, not a substitute for the lender's own title search and CERSAI check. Don't call title “clear” as an absolute guarantee: disclose known charges, litigation, occupants or missing originals, and don't hide a pre-existing mortgage just because the new loan repays it.

Follow Punjab's or Chandigarh's own affidavit stamp/attestation practice.

Whether you can fill this in here

You can fill this in here

You can fill this one in on this site, and read the whole draft on screen before you decide anything about it. It is a carefully drafted template; it is not advice about your own facts.

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See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. 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

Article 4, Schedule I-A — a fixed duty, not %; forms print Rs 25, but neither Punjab's nor Chandigarh's table lists a rate, so confirm at the counter. One deponent, one sheet. Chandigarh's Estate Office accepts a notarised affidavit instead of Executive Magistrate attestation.

Registration

Not registrable (s.17) — declares facts, no property right created. The mortgage it supports follows its own rule.

Notarisation

Only if the lender wants an affidavit, sworn before a Notary/Oath Commissioner.

Witnesses

Not required; oath/attestation applies instead.

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Sample preview — placeholder answers, not your data

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AFFIDAVIT OF CLEAR TITLE TO A LENDER

Affidavit date: 1 April 2026

I, Aarav Sharma, of Sector 21, Panchkula, make this statement to ABC Bank Ltd, Sector 17, Chandigarh, regarding loan HL-2026-118.

PROPERTY AND TITLE

Property: Plot 118, Sector 66, SAS Nagar, Punjab (Residential house/plot), Plot 118, Sector 66; conveyance deed 2345/2022., Punjab. Facility/security amount: ₹90,00,000 (Rupees Ninety Lakh only). Title source: Registered sale/conveyance deed; reference Conveyance deed 2345 dated 10 June 2022.

ENCUMBRANCES

Statement: No encumbrance is known other than those disclosed to lender.

LITIGATION

Position: No pending property litigation is known after reasonable personal inquiry.

POSSESSION AND DOCUMENTS

Possession: Borrower is in possession. Records available: Original conveyance deed; certified mutation; property tax records..

I understand that this affidavit supports, but does not replace, the lender's independent legal and charge searches.

Sworn/affirmed before: Notary Public, Chandigarh.

DEPONENT

Aarav Sharma

PERSONAL DATA NOTICE

This notice is given under the Digital Personal Data Protection Act, 2023.

Personal data in this document is collected only to provide the lender with a factual owner declaration supporting its independent title and encumbrance due diligence, communicate about that purpose, verify expressly supplied lending, identity and property information, and retain an evidentiary transaction record.

The record will be held by Kagaznama and may be shared only with the borrower, co-borrower, guarantor, lender, authorised professional, registering or revenue authority, Central Registry/CERSAI-related service, insurer or other person directly involved in the stated credit or security transaction.

If the transaction is withdrawn, refused or cancelled, personal data will be retained for 90 days and then erased. If the transaction proceeds, the record will be retained for the loan/security term plus 12 months, except where a named statutory or regulatory record-retention period requires longer retention.

A person named here may withdraw consent for future consent-based processing, request correction or erasure when the stated purpose has ended, or raise a grievance by writing to privacy@example.com. The record-holder should acknowledge and respond within 30 days.

Data minimisation: this document does not collect full Aadhaar numbers, Aadhaar-card copies, passwords, PINs, OTPs or unrelated bank credentials, and none should be written into it. Use masked account/identity references where an identifying reference is genuinely necessary.

Personal-data instruction: I consent to the collection and use described in the Personal Data Notice.

Record-holder: Kagaznama

Questions about this document

Does the Affidavit of Clear Title to a Lender need stamp paper or stamp duty in Punjab and Chandigarh?

Article 4, Schedule I-A — a fixed duty, not %; forms print Rs 25, but neither Punjab's nor Chandigarh's table lists a rate, so confirm at the counter.

See the full position on stamp duty, registration and witnesses

Does the Affidavit of Clear Title to a Lender need registration in Punjab and Chandigarh?

Not registrable (s.17) — declares facts, no property right created.

See the full position on stamp duty, registration and witnesses

What does the Affidavit of Clear Title to a Lender cost on Kagaznama?

Free.

Documents are free. Only kits are paid.

Does the Affidavit of Clear Title to a Lender need witnesses?

Not required; oath/attestation applies instead.

See the full position on stamp duty, registration and witnesses

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