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.