BANK CHARGE VERIFICATION LETTER
Date: 1 April 2026
To ABC Bank Ltd, Sector 17, Chandigarh.
Applicant: Aarav Sharma, Sector 21, Panchkula. Borrower/mortgagor: Harpreet Singh.
Property: Plot 118, Sector 35-A, Chandigarh (Plot/land), Plot 118, Sector 35-A; prior deed no. 2345.. Loan reference: Home loan ending 1188.
Verification requested: Whether any mortgage or charge presently subsists. Known charge details: MODT dated 10 March 2022; mutation charge entry 334.
Requested bank response: Signed charge-status confirmation.
Please confirm the present charge/security and original-document custody position in writing, including any release, payoff or NOC step still required.
LEGAL BASIS
A registered mortgage appears in the Sub-Registrar's registers and in a Punjab Non-Encumbrance Certificate, but the certificate cannot report an equitable mortgage created by deposit of title deeds. The lender's own written confirmation of the charge and of the documents it holds, and a search of the Central Registry of Securitisation Asset Reconstruction and Security Interest of India, are how such a charge is found. On repayment, ask for the lender's no-dues letter, the release of the original documents and written confirmation that the charge has been satisfied in the Central Registry records.
PERSONAL DATA NOTICE
This notice is given under the Digital Personal Data Protection Act, 2023.
Personal data is collected only to obtain and retain direct lender verification of the mortgage, charge and title-document custody position, communicate about that purpose, verify property or title information, and retain an evidentiary record.
The record will be held by Kagaznama and may be shared only with the applicant, owner, proposed buyer, lender, advocate, registering authority, revenue/estate authority, bank, Central Registry/CERSAI-related search service, or other person directly involved in the stated title or encumbrance check.
If the request does not proceed, personal data will be retained for 90 days and then erased. If it proceeds, the record will be retained for the matter plus 12 months, except where a statutory record-retention rule requires a longer named period.
A person named here may withdraw consent for future consent-based processing, request correction or erasure when 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 document does not collect a full Aadhaar number, an Aadhaar-card copy, a password or unrelated financial credentials, and none should be written into it.
Personal-data instruction: I consent to the collection and use described in the Personal Data Notice.
Record-holder: Kagaznama