Kagaznama

Request to Add a Co-Applicant

At a glance

Price: Free
Stamp duty: No stamp duty — not an 'instrument' under s.2(14), Indian Stamp Act 1899.
Registration: Not registrable (s.17, Registration Act 1908).
Witnesses: Not required; borrower signatures and documents matter more.

Free

Documents are free. Kits are free during our launch.

Free: up to 5 documents a day.

Guided questions, full draft on screen, download in Word.

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Also called

home loan co-applicant addition
add joint borrower request
co-borrower addition before disbursement

When you need it

Add a co-purchaser, co-owner, spouse or income-supporting borrower to a pending or sanctioned home loan — not just a name change: the lender reassesses KYC, income and ownership alignment, and a sanctioned/disbursed loan may need a revised sanction. State relationship, role, income, obligations, ownership and loan stage.

Co-borrower status doesn't itself make someone an owner, or vice versa; the co-applicant separately consents to lender documents.

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

No stamp duty — not an 'instrument' under s.2(14), Indian Stamp Act 1899. Plain paper; the loan agreement, deposit memorandum, mortgage and guarantee are stamped separately.

Registration

Not registrable (s.17, Registration Act 1908). The mortgage itself needs registration if Rs 100+, unless by deposit of title deeds — two witnesses (s.59, TPA 1882).

Notarisation

Not required unless the lender wants an affidavit.

Witnesses

Not required; borrower signatures and documents matter more.

Request Stamp Paper

Sample preview — placeholder answers, not your data

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REQUEST TO ADD A CO-APPLICANT

Request date: 1 April 2026

To ABC Bank Ltd, Sector 17, Chandigarh.

Primary borrower: Aarav Sharma, Sector 21, Panchkula. Phone: +91 XXXXX XXXXX; email: aarav@example.com. Application: HL-2026-118

Proposed co-applicant: Naina Sharma, Sector 21, Panchkula. Relationship: Spouse. Requested role: Joint borrower and co-owner/co-purchaser.

CO-APPLICANT FINANCIAL PROFILE

Stated monthly net income: ₹1,50,000 (Rupees One Lakh Fifty Thousand only). Income source: Self-employed architect; professional receipts.. Existing obligations: Nil..

PROPERTY / LOAN ALIGNMENT

Ownership position: Co-applicant is/will be co-owner. Loan stage: Before sanction.

DOCUMENTS AND CONSENT

Documents: PAN/passport ID, ITRs, bank statements, marriage certificate.. Consent status: Co-applicant will sign lender's application, KFS/loan and security documents as required.

Please assess the proposed addition and issue the revised application/sanction/documentation requirements if accepted.

PERSONAL DATA NOTICE

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

Personal data in this document is collected only to request and administer addition of the proposed co-applicant to the stated loan application, communicate about that purpose, verify expressly supplied lending and property information, and retain an evidentiary application record.

The record will be held by Kagaznama and may be shared only with the applicant, co-applicant, lender or housing-finance company, authorised loan-processing agent, employer or income verifier, advocate, valuer, technical professional, insurer, registering authority, Central Registry/CERSAI-related service, or other person directly involved in the stated loan process.

If the request is withdrawn, declined or does not proceed, personal data will be retained for 90 days and then erased. If it proceeds, the record will be retained for the loan process plus 12 months, except where a statutory, regulatory or lender record-retention rule requires a longer named period.

A person named here may withdraw consent for future consent-based processing, request correction or erasure where the 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 template does not require a full Aadhaar number, Aadhaar-card copy, passwords, PINs, OTPs or complete bank-login credentials. Only masked account/identity references genuinely required for the loan process should be inserted.

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

Record-holder: Kagaznama

SIGNATURE

______________________________
Signature
Borrower: Aarav Sharma
Place: ____________________
Date: 1 April 2026

Questions about this document

Does the Request to Add a Co-Applicant need stamp paper or stamp duty in Punjab and Chandigarh?

No stamp duty — not an 'instrument' under s.2(14), Indian Stamp Act 1899.

See the full position on stamp duty, registration and witnesses

Does the Request to Add a Co-Applicant need registration in Punjab and Chandigarh?

Not registrable (s.17, Registration Act 1908).

See the full position on stamp duty, registration and witnesses

What does the Request to Add a Co-Applicant cost on Kagaznama?

Free.

Documents are free. Kits are free during our launch.

Does the Request to Add a Co-Applicant need witnesses?

Not required; borrower signatures and documents matter more.

See the full position on stamp duty, registration and witnesses

Often needed with this document

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