Kagaznama

Request to Extend the Validity of a Sanction

At a glance

Price: Free
Stamp duty: No stamp duty — not an instrument under s.2(14), Stamp Act, 1899; plain paper.
Registration: Not registrable (s.17, Registration Act, 1908) — no property interest.
Witnesses: Not required; authentication and signatures matter more.

Free

Documents are free. Only kits are paid.

Free: up to 5 documents a day.

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

See all prices

Also called

loan sanction validity extension
home loan sanction extension request
sanction expiry extension letter

When you need it

For when a purchase/registration/construction milestone won't happen before the sanction expires — needs the lender to extend or reissue it; an expired approval isn't usable. States the expiry/new dates, delay reason and any income/liability/property/price change; the lender may recheck credit or terms first.

Distinct from changing the amount, borrower or property, which need separate approval.

Whether you can fill this in here

You can fill this in here

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.

Fill this one in

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 — not an instrument under s.2(14), Stamp Act, 1899; plain paper. Other loan/security documents are separately stamped.

Registration

Not registrable (s.17, Registration Act, 1908) — no property interest. The mortgage itself needs a registered, two-witness instrument if ₹100+ (s.59, TPA 1882).

Notarisation

Not required unless the lender asks for it.

Witnesses

Not required; authentication and signatures matter more.

Request Stamp Paper

Sample preview — placeholder answers, not your data

KAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASEDKAGAZNAMA SAMPLE — NOT PURCHASED

REQUEST TO EXTEND THE VALIDITY OF A SANCTION

Request date: 2 April 2026

To ABC Bank Ltd, Sector 17, Chandigarh.

Borrower: Aarav Sharma, Sector 21, Panchkula. Phone: 98765 43210; email: aarav@example.com. Application: HL-2026-118

Sanction: SAN/HL/2026/118 dated 01 June 2026. Current expiry: 1 April 2026. Extension requested until: 2 April 2026.

Property: Apartment 804, ABC Heights, Airport Road, SAS Nagar, Punjab (Apartment/flat), Tower B, Apartment 804, ABC Heights.. Stage: Property identified; agreement not yet signed. Property value: ₹1,20,00,000 (Rupees One Crore Twenty Lakh only).

REASON

Reason: Property registration/completion is delayed. Details: Promoter postponed registration from September to December 2026..

CHANGES SINCE SANCTION

Financial position: No material change stated. Property/price: No material property or price change.

REQUEST

Treatment requested: Extend existing sanction subject to lender policy. Please confirm the revised validity and any changed rate, fee, appraisal or condition before the original sanction expires.

PERSONAL DATA NOTICE

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

Personal data in this document is collected only to request and administer an extension of the stated loan-sanction validity, communicate about that purpose, verify expressly supplied lending and property information, and retain an evidentiary application record.

The record will be held by Kagaznama and may be shared only with the applicant, co-applicant, lender or housing-finance company, authorised loan-processing agent, employer or income verifier, advocate, valuer, technical professional, insurer, registering authority, Central Registry/CERSAI-related service, or other person directly involved in the stated loan process.

If the request is withdrawn, declined or does not proceed, personal data will be retained for 90 days and then erased. If it proceeds, the record will be retained for the loan process plus 12 months, except where a statutory, regulatory or lender record-retention rule requires a longer named period.

A person named here may withdraw consent for future consent-based processing, request correction or erasure where the 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 template does not require a full Aadhaar number, Aadhaar-card copy, passwords, PINs, OTPs or complete bank-login credentials. Only masked account/identity references genuinely required for the loan process should be inserted.

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

Record-holder: Kagaznama

SIGNATURE