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Foreclosure Statement Request

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FORECLOSURE STATEMENT REQUEST

To __________, __________.

LEGAL BASIS

Punjab: RBI's 13 September 2023 responsible-lending direction was issued under sections 21, 35A and 56 of the Banking Regulation Act, 1949, sections 45JA and 45L of the Reserve Bank of India Act, 1934 and section 30A of the National Housing Bank Act, 1987. The lender receives this request; after full repayment or settlement, the direction gives 30 days for return of originals and removal of registered charges. 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.

Chandigarh: The same RBI lender rules apply. For a Chandigarh sector or estate property, later property-file action belongs to the Estate Office under the Capital of Punjab (Development and Regulation) Act, 1952 and Chandigarh Estate Rules, 2007; this payoff request does not amend that file. The Estate Office fee for a later charge-removal step was not confirmed in the sources used.

PERSONAL DATA NOTICE

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

The purpose of collecting personal data in this foreclosure request is to identify the loan, calculate the closing amount and document the payoff date requested by the borrower.

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.

Data minimisation: this document does not collect a full Aadhaar number, an Aadhaar-card copy, a password or bank credentials.

SIGNATURE

______________________________
Signature
Borrower: __________
Place: ____________________
Date: ____________________

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