EQUITABLE MORTGAGE CONFIRMATION LETTER
To __________, __________.
SUBJECT: CONFIRMATION OF EARLIER TITLE-DEED DEPOSIT
PROPERTY AND FACILITY CONFIRMED
DOCUMENT-CUSTODY CONFIRMATION
EXISTING OR PRIOR SECURITY DISCLOSURE
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
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.
If the transaction is withdrawn, refused or cancelled, personal data will be retained for 90 days and then erased.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.
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.