Kagaznama

Mutation Recording a Mortgage

At a glance

Price: Free
Stamp duty: No stamp duty: a s.34 mutation report transfers nothing (outside Schedule I-A); duty was due on the source instrument.
Registration: Not registrable — outside s.17, Registration Act, 1908.
Witnesses: Not ordinarily required; the authority may call for witnesses or identifiers at attestation or hearing.

Free

Documents are free. Kits are free during our launch.

Free: up to 5 documents a day.

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

See all prices

Also called

mortgage mutation application
record mortgage charge in revenue record

When you need it

A lender or mortgagor needs the record to reflect an existing mortgage: borrower, lender, source instrument, secured amount, identifiers, the charge. Recording doesn't create the mortgage — the security document must already be effective — and mustn't overstate the lender's interest.

Redemption is separate, so the charge isn't permanent.

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 s.34 mutation report transfers nothing (outside Schedule I-A); duty was due on the source instrument. No court fee. Cost is the Rs 600 mutation fee (Punjab Revenue Dept, 6 Sep 2026), recovered under s.38(2) at attestation from the person favoured; late reporting (past 3 months) risks a s.39 fine up to 5x — Rs 3,000.

Registration

Not registrable — outside s.17, Registration Act, 1908. The Patwari logs it in the register of mutations, the Kanungo validates it, returning an intkal number and order. An unregistered instrument needing registration can't found a mutation.

Notarisation

Not required unless the authority asks for an affidavit, declaration or attested copy.

Witnesses

Not ordinarily required; the authority may call for witnesses or identifiers at attestation or hearing.

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

MUTATION RECORDING A MORTGAGE

Application date: 2 April 2026

SECURITY SOURCE

Applicant: Aarav Sharma, Sector 21, Panchkula. Mortgage/security source: registered or otherwise legally recognised mortgage/security instrument, reference Document no. 118 dated 01 September 2026, dated 1 April 2026.

Recorded owner/mortgagor: Harpreet Singh. Proposed recorded charge/right-holder: Aarav Sharma.

MORTGAGED PROPERTY

District SAS Nagar, Tehsil Kharar, Village Kharar. Property identifiers: Khewat 114, Khatauni 226, Khasra 18//12 min.. Secured property/interest: 4 kanal agricultural land, full ownership share..

Charge or mortgage interest requested to be noted: Full interest to be entered in favour of Aarav Sharma.. Existing record reference: Jamabandi 2022-23, Khewat 114.

CHARGE EVIDENCE

Security-document status: Required source document attached. Additional lender/security material: Signed application and current record copy.

The proposed mutation is only a notation of the mortgage or charge already created by the legally effective security transaction. It should not state a larger security interest, principal amount or priority than the source instrument supports.

OBJECTION / PRIOR CHARGE POSITION

Objection or competing-charge status: No known objection has been communicated.

REQUEST

Please enter the mortgage/charge against the identified holding with the source reference necessary for later redemption or satisfaction.

LEGAL BASIS

In Punjab this application is the report of a change in rights under section 34 of the Punjab Land Revenue Act, 1887. It is addressed to the Circle Revenue Officer through the Halqa Patwari of the revenue estate, and can be handed to the Patwari or lodged at the Fard Kendra of the tehsil or sub-tehsil; the Halqa Patwari enters it in the register of mutations, the Field Kanungo validates the entry, and the Circle Revenue Officer, a Naib Tehsildar or Tehsildar, attests, sanctions or rejects it. A mutation records a change of rights; it does not create title. An entry in the record of rights is presumed true only until the contrary is proved (section 44 of the Act), and section 45 sends anyone who disputes it to a civil suit for a declaration. In Chandigarh only the Union Territory's revenue villages carry a jamabandi; there the Patwari holds the record of rights and the Tehsildar or Naib Tehsildar of the Union Territory attests the mutation. A sector property held from the Estate Office has no jamabandi and is not mutated this way: the Estate Office's own transfer procedure applies.

PERSONAL DATA NOTICE

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

Personal data in this document is collected only to apply for and administer mutation recording a mortgage in the relevant land or estate record, communicate about that purpose, verify expressly supplied land-record information and retain an evidentiary filing record.

Questions about this document

Does the Mutation Recording a Mortgage need stamp paper or stamp duty in Punjab and Chandigarh?

No stamp duty: a s.34 mutation report transfers nothing (outside Schedule I-A); duty was due on the source instrument.

See the full position on stamp duty, registration and witnesses

Does the Mutation Recording a Mortgage 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 Mutation Recording a Mortgage cost on Kagaznama?

Free.

Documents are free. Kits are free during our launch.

Does the Mutation Recording a Mortgage need witnesses?

Not ordinarily required; the authority may call for witnesses or identifiers at attestation or hearing.

See the full position on stamp duty, registration and witnesses

Often needed with this document

Back to Land records, title checks and approvals