Kagaznama

Deletion of a Mortgage Entry

At a glance

Price: Free
Stamp duty: No stamp duty — a revenue-officer application, outside Stamp Act, 1899.
Registration: Not registrable: outside s.17, Registration Act, 1908.
Witnesses: Not required; documents 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.

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Also called

remove mortgage from land record
delete bank charge

When you need it

A mortgage or lender charge still shows though the loan is repaid, or the entry was wrong. State the charge, lender and discharge date. A charge can't be deleted on the last instalment alone; valid release evidence must exist, plus any registered release.

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 — a revenue-officer application, outside Stamp Act, 1899. An affidavit with it is separately stamped (Art.4, Sch.I-A). Chandigarh: same.

Registration

Not registrable: outside s.17, Registration Act, 1908. A deed's mistake needs rectification instead.

Notarisation

Not required unless an affidavit is needed.

Witnesses

Not required; documents matter more.

Request Stamp Paper

Sample preview — placeholder answers, not your data

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DELETION OF A MORTGAGE ENTRY

Application date: 2 April 2026

Applicant: Aarav Sharma, Sector 21, Panchkula, capacity Recorded owner/right-holder. Phone: 98765 43210; email: aarav@example.com.

Record: Punjab, SAS Nagar, Kharar, Village Kharar; Khewat 114, Khatauni 226, Khasra 18//12.; 4 kanal land, full ownership share.; Jamabandi 2022-23.

CHARGE

Lender: ABC Bank Ltd. Charge: Mortgage Mutation 334/2022. Loan reference: Home loan ending 1188.

DISCHARGE

Basis: Lender no-dues/release certificate. Reference: No-Dues and Release dated 01 September 2026. Date: 1 April 2026. Central Registry/CERSAI: Satisfaction/closure recorded.

REQUEST

Please verify discharge and delete or mark satisfied only the identified charge, without disturbing unrelated encumbrances.

LEGAL BASIS

In Punjab a mortgage and its redemption change the rights recorded against land, so the entry is removed by a mutation reported under section 34 of the Punjab Land Revenue Act, 1887 and attested by the Circle Revenue Officer, not by a fard badar, with the lender's release or no-dues letter as the proof. When a charge is repaid, the lender should also confirm that it has been satisfied in the Central Registry records. In Chandigarh a sector property's record is the Estate Office file.

PERSONAL DATA NOTICE

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

Personal data in this document is collected for one purpose only: to prepare and administer the identified record-correction request, communicate about it, verify the supplied property-record evidence and retain an evidentiary filing record.

The record will be held by Kagaznama and shared only with persons or authorities directly involved in the correction, reissue, objection or review.

If the request does not proceed, the data will be retained for 90 days and then erased. If it proceeds, the record will be retained for the proceeding plus 12 months, except where an official or statutory rule requires longer retention.

Correction, erasure, consent withdrawal or grievance requests may be sent to privacy@example.com and should be acknowledged and answered within 30 days.

Data minimisation: this document does not collect a full Aadhaar number, 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

SIGNATURE

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

Questions about this document

Does the Deletion of a Mortgage Entry need stamp paper or stamp duty in Punjab and Chandigarh?

No stamp duty — a revenue-officer application, outside Stamp Act, 1899.

See the full position on stamp duty, registration and witnesses

Does the Deletion of a Mortgage Entry need registration in Punjab and Chandigarh?

Not registrable: outside s.17, Registration Act, 1908.

See the full position on stamp duty, registration and witnesses

What does the Deletion of a Mortgage Entry cost on Kagaznama?

Free.

Documents are free. Only kits are paid.

Does the Deletion of a Mortgage Entry need witnesses?

Not required; documents matter more.

See the full position on stamp duty, registration and witnesses

Often needed with this document

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