Kagaznama

Loan Account Statement Request

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.

Free

Documents are free. Only kits are paid.

Free: up to 5 documents a day.

Guided questions, full draft on screen, download in Word.

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Also called

mortgage statement request
home loan ledger request

When you need it

Get the lender's authoritative loan ledger for a period — an app summary often omits narration, reversals or the interest split. State the period and detail wanted; if closed, include the final transaction to check for a residual debit.

A financial-service record, not a title instrument. No reply in 30 days: escalate a bank/NBFC complaint to the RBI Ombudsman (RB-IOS 2026) within 90 days; HFCs go to the National Housing Bank instead.

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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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LOAN ACCOUNT STATEMENT REQUEST

Request 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.

Statement period: 1 April 2026 to 2 April 2026. Detail: Transaction-wise debit and credit ledger. Delivery: Digitally authenticated PDF.

LEGAL BASIS

Punjab: The lender receives the statement request. 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. No Punjab land-record office decides this statement request.

Chandigarh: The same RBI grievance framework applies. A Chandigarh sector property's Estate Office file under the 1952 Act and Chandigarh Estate Rules is separate from the lender ledger; the statement does not change that file. A statutory fee for this specific statement request was 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 loan-statement request is to identify the account and obtain an authenticated repayment ledger for the specified period.

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 loan account statement request.

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.

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

Personal-data instruction: I consent to the collection and use described in the Personal Data Notice.

SIGNATURE

______________________________
Signature
Borrower/Applicant: Aarav Sharma
Place: ____________________
Date: 2 April 2026

Questions about this document

Does the Loan Account Statement Request 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 Loan Account Statement Request 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 Loan Account Statement Request cost on Kagaznama?

Free.

Documents are free. Only kits are paid.

Does the Loan Account Statement Request need witnesses?

Not required; the sender signs it.

See the full position on stamp duty, registration and witnesses

Often needed with this document

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