Kagaznama

Reconveyance Deed

At a glance

Price: Free
Stamp duty: Precise Article/rate for this reconveyance wasn't confirmed, Punjab or Chandigarh.
Registration: Registrable (s.17); 4-month deadline (s.23).
Witnesses: No two-witness rule confirmed; follow the registration office's own process.

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Also called

mortgage reconveyance deed
redemption retransfer deed

When you need it

For when a mortgage's transferred interest must transfer back after redemption — typically where the mortgage form requires re-transfer, not just a nil-dues letter. S.60, TPA 1882 gives the mortgagor, after paying, a right to re-transfer or an acknowledgment extinguishing that right.

Must mirror the original mortgage description, not a different parcel. Since it retransfers a property interest, it's registered and feeds the local file — Punjab authority and Chandigarh sector property also keep authority files besides the deed. Skipping it can leave a broken title chain at zero balance.

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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

Precise Article/rate for this reconveyance wasn't confirmed, Punjab or Chandigarh.

Registration

Registrable (s.17); 4-month deadline (s.23). Refusal remedy: ss.72/73.

Notarisation

Doesn't replace registration.

Witnesses

No two-witness rule confirmed; follow the registration office's own process.

Request Stamp Paper

Sample preview — placeholder answers, not your data

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RECONVEYANCE DEED

Deed date: 2 April 2026

Reconveying Mortgagee: ABC Bank Ltd, Sector 17, Chandigarh. Receiving Mortgagor: 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.

Original mortgage: X. Redemption date: 1 April 2026.

RECONVEYANCE

The Mortgagee retransfers to the Mortgagor: All mortgagee interest under the identified English mortgage..

LEGAL BASIS

Punjab: Section 60 of the Transfer of Property Act, 1882 supports re-transfer on redemption. The jurisdictional Sub-Registrar receives the instrument under sections 17 and 23 of the Registration Act, 1908; refusal remedies are under sections 72 or 73. A Punjab development-authority allotment must also be reflected in the authority file governed by the Punjab Regional and Town Planning and Development Act, 1995.

Chandigarh: Section 60 of the Transfer of Property Act and sections 17 and 23 of the Registration Act govern re-transfer and registration. For a sector property, the Estate Office file under the Capital of Punjab (Development and Regulation) Act, 1952 and Chandigarh Estate Rules, 2007 must reflect the post-redemption position. The Estate Office fee for this precise update 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 Reconveyance Deed is to identify the redeemed mortgage and re-transfer the mortgagee's property interest to the mortgagor.

The record will be held by Kagaznama and may be shared with the parties, Sub-Registrar and relevant local property authority.

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
Mortgagee/Re-conveying Party: X
Place: ____________________
Date: 2 April 2026

______________________________
Signature
Mortgagor/Receiving Owner: X
Place: ____________________
Date: 2 April 2026

Questions about this document

Does the Reconveyance Deed need stamp paper or stamp duty in Punjab and Chandigarh?

Precise Article/rate for this reconveyance wasn't confirmed, Punjab or Chandigarh.

See the full position on stamp duty, registration and witnesses

Does the Reconveyance Deed need registration in Punjab and Chandigarh?

Registrable (s.17); 4-month deadline (s.23).

See the full position on stamp duty, registration and witnesses

What does the Reconveyance Deed cost on Kagaznama?

Free.

Documents are free. Only kits are paid.

Does the Reconveyance Deed need witnesses?

No two-witness rule confirmed; follow the registration office's own process.

See the full position on stamp duty, registration and witnesses

Often needed with this document

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