Kagaznama

Equitable Mortgage Confirmation Letter

At a glance

Price: Free
Stamp duty: Punjab: Entry 6, Schedule I-A (amended 2024) charges 0.25% of the loan/debt for the covered category. Chandigarh: no published rate — get it from the Sub-Registrar, Sector 17, or s.31 adjudication, before signing.
Registration: S.58(f), TPA recognises a title-deed-deposit mortgage (docs delivered in a notified town, intent to secure); s.59 excludes registration.
Witnesses: Not required for a bare s.58(f) deposit — a registered mortgage carries its own witness rule.

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Also called

equitable mortgage confirmation
title deed deposit confirmation letter

When you need it

Confirm a completed deposit of title deeds, security intent and custody, where the lender already treats the property as secured — not a mortgage-deed substitute. Section 58(f), TPA needs delivery with intent to secure; state the deposit date/place, property, deed inventory, facility and prior charges.

A letter creating the bargain (not just recording it) can carry different treatment. Punjab's Entry 6 covers this at 0.25%; confirm Chandigarh separately. Don't claim verified title without due diligence.

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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

Punjab: Entry 6, Schedule I-A (amended 2024) charges 0.25% of the loan/debt for the covered category. Chandigarh: no published rate — get it from the Sub-Registrar, Sector 17, or s.31 adjudication, before signing. Stamp on/before signing (s.17); under-stamped is inadmissible until the deficiency and penalty are paid (s.35).

Registration

S.58(f), TPA recognises a title-deed-deposit mortgage (docs delivered in a notified town, intent to secure); s.59 excludes registration. A memorandum creating the bargain, not just recording a deposit, can trigger s.17 — check wording and local rules first.

Notarisation

Not a substitute for satisfying s.58(f).

Witnesses

Not required for a bare s.58(f) deposit — a registered mortgage carries its own witness rule.

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EQUITABLE MORTGAGE CONFIRMATION LETTER

Letter date: 2 April 2026

To ABC Bank Ltd, Sector 17, Chandigarh.

From Aarav Sharma, Sector 21, Panchkula. Loan/facility reference: HL-2026-118.

SUBJECT: CONFIRMATION OF EARLIER TITLE-DEED DEPOSIT

I write to confirm the deposit already made on 1 April 2026 at Chandigarh, ABC Bank Sector 17 branch in relation to the property and facility set out below. The intended character of this confirmation is Record a title-deed deposit already completed with security intent.

PROPERTY AND FACILITY CONFIRMED

Property: Plot 118, Sector 66, SAS Nagar, Punjab (Residential house/plot), Plot 118, Sector 66; conveyance deed 2345/2022., in Punjab.

Facility/principal reference amount: ₹90,00,000 (Rupees Ninety Lakh only). Secured obligations being confirmed: Repayment of sanctioned facility, agreed interest and contractually payable charges..

DOCUMENT-CUSTODY CONFIRMATION

The title-document inventory being confirmed is: Original conveyance deed 2345/2022; allotment letter; mutation copy..

The ownership/title statement supplied to the lender is Depositor represents the stated title documents relate to the mortgagor's interest. The present custody status is Lender retains deposited originals until discharge.

EXISTING OR PRIOR SECURITY DISCLOSURE

The disclosed prior-security position is No prior security interest is disclosed to lender.

NO EXPANSION BY CONFIRMATION

This letter confirms the earlier deposit and related custody/security record. It is not intended by itself to substitute a new mortgage bargain, alter the sanctioned facility, waive an existing priority arrangement, or certify the legal sufficiency of the lender's security documentation.

Please retain this letter with the lender's title-document custody and security file.

SIGNATURE

Aarav Sharma

LEGAL BASIS
In Punjab the holder of a site allotted by a development authority cannot transfer any right in it, a mortgage included, without the authority's previous permission (section 43(7) of the Punjab Regional and Town Planning and Development Act, 1995), and the authority gives that permission only to the allottee on its file. In Chandigarh a leasehold site needs the Estate Officer's permission to mortgage, a notified service under the Right to Service notification of 30 March 2026, and the Estate Office's checklist asks for an affidavit with it, which carries its own stamp duty. A mortgage by deposit of title deeds does not show in a Punjab Non-Encumbrance Certificate, which is why lenders also record the security in the Central Registry of Securitisation Asset Reconstruction and Security Interest of India.
PERSONAL DATA NOTICE

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

Personal data in this document is collected only to record and administer the stated deposit-of-title-deeds security and document custody, communicate about that purpose, verify expressly supplied lending, identity and property information, and retain an evidentiary transaction record.

Questions about this document

Does the Equitable Mortgage Confirmation Letter need stamp paper or stamp duty in Punjab and Chandigarh?

See the full position on stamp duty, registration and witnesses

Does the Equitable Mortgage Confirmation Letter need registration in Punjab and Chandigarh?

S.58(f), TPA recognises a title-deed-deposit mortgage (docs delivered in a notified town, intent to secure); s.59 excludes registration.

See the full position on stamp duty, registration and witnesses

What does the Equitable Mortgage Confirmation Letter cost on Kagaznama?

Free.

Documents are free. Only kits are paid.

Does the Equitable Mortgage Confirmation Letter need witnesses?

Not required for a bare s.58(f) deposit — a registered mortgage carries its own witness rule.

See the full position on stamp duty, registration and witnesses

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