Kagaznama

NOC for a Second Charge

At a glance

Price: Free
Stamp duty: No stamp duty — creates no right/title/interest, so not chargeable under Schedule I-A.
Registration: Not registrable — creates no property right, outside s.17.
Witnesses: Not required for the NOC.

Free

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Also called

first lender NOC for second mortgage
second charge consent

When you need it

For when a mortgaged property needs the first lender's written consent before a second charge — issued by the first lender, not a self-certification. States the existing loan, property, second lender, maximum amount, ranking, conditions and validity, preserving the first lender's priority and enforcement position.

Not a release of the first mortgage — the mortgage instrument, stamping, registration and CERSAI filing are still separately needed. Pari passu ranking needs a fuller inter-creditor arrangement.

Whether you can fill this in here

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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 stamp duty — creates no right/title/interest, so not chargeable under Schedule I-A. The second mortgage is separately stamped.

Registration

Not registrable — creates no property right, outside s.17. The second mortgage follows its own s.59 rule.

Notarisation

Not required unless authenticated consent is wanted.

Witnesses

Not required for the NOC.

Request Stamp Paper

Sample preview — placeholder answers, not your data

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NOC FOR A SECOND CHARGE

NOC date: 1 April 2026

Issued by First Bank Ltd in relation to first loan FL-2024-118. Proposed second-charge lender record: ABC Bank Ltd, Sector 17, Chandigarh, current stated outstanding ₹50,00,000 (Rupees Fifty Lakh only).

Borrower/security provider: Aarav Sharma, Sector 21, Panchkula. Proposed second lender: ABC Bank Ltd. Lender record reference: HL-2026-118.

PROPERTY

Plot 118, Sector 66, SAS Nagar, Punjab (Residential house/plot), Plot 118, Sector 66; conveyance deed 2345/2022., in Punjab. Stated secured facility context: ₹90,00,000 (Rupees Ninety Lakh only).

CONSENT

Consent is limited to a second charge up to ₹30,00,000 (Rupees Thirty Lakh only). Ranking: Second charge strictly subordinate to first lender. Conditions: Second lender acknowledges first priority; no title originals removed without first lender consent..

Duration: NOC valid until stated date. Expiry: 2 April 2026

This NOC does not release, postpone or vary the first charge except as expressly stated, and it does not itself create the second mortgage/security.

AUTHORISED SIGNATORY

For first lender: Authorised Signatory, First Bank Ltd

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 the first lender's limited consent to the identified second-ranking property charge, communicate about that purpose, verify expressly supplied lending, identity and property information, and retain an evidentiary transaction record.

The record will be held by Kagaznama and may be shared only with the borrower, co-borrower, guarantor, lender, authorised professional, registering or revenue authority, Central Registry/CERSAI-related service, insurer or other person directly involved in the stated credit or security transaction.

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.

A person named here may withdraw consent for future consent-based processing, request correction or erasure when the stated purpose has ended, or raise a grievance by writing to privacy@example.com. The record-holder should acknowledge and respond within 30 days.

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.

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

Questions about this document

Does the NOC for a Second Charge need stamp paper or stamp duty in Punjab and Chandigarh?

No stamp duty — creates no right/title/interest, so not chargeable under Schedule I-A.

See the full position on stamp duty, registration and witnesses

Does the NOC for a Second Charge need registration in Punjab and Chandigarh?

Not registrable — creates no property right, outside s.17.

See the full position on stamp duty, registration and witnesses

What does the NOC for a Second Charge cost on Kagaznama?

Free.

Documents are free. Kits are free during our launch.

Does the NOC for a Second Charge need witnesses?

Not required for the NOC.

See the full position on stamp duty, registration and witnesses

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