Kagaznama

Complaint for Delay in Removing a Charge

At a glance

Price: Free
Stamp duty: No duty — not an instrument (s.2(14), Stamp Act 1899).
Registration: Not registrable (s.17, Registration Act 1908).
Witnesses: Not required; the sender signs it.

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Also called

mortgage charge release delay complaint
RBI document release complaint

When you need it

Use this one when your original documents have already been returned and only the registered charge (mortgage entry) itself is still unsatisfied; use Complaint for Delay in Returning Title Deeds instead if the documents themselves have not come back either. More than 30 days after full repayment, the lender still hasn't returned documents or filed charge satisfaction.

RBI's 13 September 2023 direction requires both within 30 days, Rs 5,000/day compensation for entity-attributable delay, plus 30 extra days if originals are lost/damaged (lender bears copy costs). State the closure date, deadline, outstanding action, follow-ups, days claimed and relief sought. No reply within 30 days (or an unsatisfactory one): escalate a bank/NBFC complaint to the RBI Ombudsman (RB-IOS 2026) within 90 days of the deadline or last reply. HFCs are outside that scheme — go to the National Housing Bank after their own grievance officer.

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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 duty — not an instrument (s.2(14), Stamp Act 1899).

Registration

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

Notarisation

Only if the receiving office wants a sworn affidavit.

Witnesses

Not required; the sender signs it.

Request Stamp Paper

Sample preview — placeholder answers, not your data

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COMPLAINT FOR DELAY IN REMOVING A CHARGE

Complaint date: 2 April 2026

To ABC Bank Ltd, Sector 17, Chandigarh. Borrower: Aarav Sharma, Sector 21, Panchkula. Loan: Home loan ending 1188. Property: Apartment 804, ABC Heights, SAS Nagar, Punjab; Apartment 804, Tower B; deed no. 2345.. Regime: Punjab freehold/revenue-record property.

Loan closure: 1 April 2026. Thirty-day deadline: 2 April 2026. Delay: Original property documents not returned. Prior follow-ups: Requests dated 06 and 25 September 2026.. Delay days claimed: 25,000. Compensation claimed: ₹25,000 (Rupees Twenty Five Thousand only). Relief requested: Immediate release or satisfaction, written reasons and compensation calculation..

LEGAL BASIS

Punjab: RBI's 13 September 2023 direction requires covered lenders to return originals and remove registered charges within 30 days and provides Rs 5,000 per day for lender-attributable delay. The lender grievance office receives the complaint. If the lender does not reply within 30 days, or its reply does not resolve the complaint, a complaint against a bank or a non-banking finance company covered by the Reserve Bank – Integrated Ombudsman Scheme, 2026 can be taken to the RBI Ombudsman within 90 days of that deadline or of the lender's last reply, whichever is later. Housing finance companies are outside that scheme: a complaint against one goes, after the company's own grievance redressal officer, to the National Housing Bank. Any Punjab local charge-record update is a separate authority process.

Chandigarh: The same RBI duties and compensation rule apply. A Chandigarh sector property's local charge record sits in the Estate Office file under the Capital of Punjab (Development and Regulation) Act, 1952 and Chandigarh Estate Rules, 2007. The Estate Office fee and appeal route for any separate charge-deletion request were not confirmed.

PERSONAL DATA NOTICE

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

The purpose of collecting personal data in this complaint is to identify the closed loan, document the post-closure delay and claim the lender action and compensation available under the cited RBI direction.

The record will be held by Kagaznama and may be shared with Aarav Sharma, ABC Bank Ltd at {lender_address} and authorities or professionals directly involved in complaint for delay in removing a charge.

If the matter does not proceed, the personal data will be retained for 90 days and then erased. If the matter proceeds, the record will be retained for the matter plus 12 months, except where a statutory or regulatory record-retention period requires a longer named period.

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

Questions about this document

Does the Complaint for Delay in Removing a Charge need stamp paper or stamp duty in Punjab and Chandigarh?

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

See the full position on stamp duty, registration and witnesses

Does the Complaint for Delay in Removing a Charge 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 Complaint for Delay in Removing a Charge cost on Kagaznama?

Free.

Documents are free. Only kits are paid.

Does the Complaint for Delay in Removing a Charge need witnesses?

Not required; the sender signs it.

See the full position on stamp duty, registration and witnesses

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