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Kagaznama

Money Receipt

At a glance

Price
Free
Stamp duty
Chargeable as a "Receipt" under Article 53, Schedule I to the Indian Stamp Act, 1899.
Registration
Not registrable at all. s.17 of the Registration Act, 1908 does not reach a receipt, which creates no interest in property and merely records a fact — that a payment was made.
Witnesses
Not required and not customary.

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Also called

  • Rasid
  • Cash Receipt
  • Payment Receipt
  • Acknowledgement of Payment Received
  • Rokar Rasid
  • ਰਸੀਦ
  • रसीद
  • General Money Receipt

When you need it

A simple, signed acknowledgement that a specific sum of money has been received by one person from another — proof of what was paid, by whom, to whom, on what date, by what mode, and what it was for. Use it for a loan instalment or a full repayment, a part-payment towards a larger debt, an advance, a reimbursement, payment for goods or services, or a gift — any person-to-person payment this library does not already have a purpose-built receipt for.

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This is the general-purpose one. If the payment is a security deposit, an earnest money deposit, a token booking amount, rent, or another payment already covered by a purpose-built receipt elsewhere in this library, use that one instead — it carries the property or tenancy content this general receipt does not. Not the Acknowledgement of Debt, which records money still OWED — this document runs the other way and records money already PAID. Where this receipt is for repaying a loan made under a Loan Agreement, a Promissory Note or recorded in an Acknowledgement of Debt, name that document in the field provided so the two papers read together.

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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

Chargeable as a "Receipt" under Article 53, Schedule I to the Indian Stamp Act, 1899. Like a promissory note, a receipt is one of the instruments listed in Entry 91 of the Union List of the Seventh Schedule to the Constitution of India, so the rate is fixed centrally and reads the same in Punjab and in Chandigarh, with no separate state-wise figure to look up. The long-standing practice under Article 53 is that a receipt for a sum exceeding Rs 5,000 needs a revenue stamp affixed, of the denomination currently prescribed, across which the Payee signs so that it cannot be reused — the same cancellation principle as s.12 of the Indian Stamp Act, 1899 applies to any adhesive stamp. Confirm the current threshold and denomination with a stamp vendor or the SHCIL e-stamping portal before relying on the figure for a receipt at or near that line, since this is a practice figure rather than one this drafter can date to a specific notification. An unstamped receipt is not thereby untrue — the payment either happened or it did not — but an insufficiently stamped one can be objected to in evidence under s.35 of the Indian Stamp Act, 1899 until the deficiency and any penalty are made good, which is reason enough to stamp it properly at signing.

Registration

Not registrable at all. s.17 of the Registration Act, 1908 does not reach a receipt, which creates no interest in property and merely records a fact — that a payment was made.

Notarisation

Not required and not customary for a receipt of this kind — the signature, the date and, where the amount calls for one, the revenue stamp are what the practice relies on.

Witnesses

Not required and not customary. A receipt is a one-sided acknowledgement by the Payee alone, and attestation by a third person adds little to a document whose whole content the Payee is already vouching for with a signature. This template carries no witness fields for that reason.

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Sample preview — placeholder answers, not your data

MONEY RECEIPT

Received at Chandigarh on 1 April 2026 from Gurpreet Singh, of House No. 214, Phase 4, S.A.S. Nagar (Mohali) 160059, by Harpreet Kaur, of House No. 1451, Sector 33-D, Chandigarh 160020, the sum of ₹25,000 (Rupees Twenty Five Thousand only), by cash, reference UTR HDFC0N2603140012345, being payment for repayment of an instalment under a loan.

This payment relates to: Loan Agreement between Friends and Relatives dated 4 March 2026 between the same Parties.

  1. 1. WHAT THIS RECEIPT SETTLES

1.1 This payment settles the matter referred to above in full, and no further amount remains due from the Payer in respect of it.

  1. 2. NATURE OF THIS RECEIPT

2.1 This receipt is an acknowledgement that the amount stated above was received, on the terms stated in clause 1. It does not, by itself, discharge any obligation of the Payer other than to the extent recorded in clause 1, and does not waive any right of the Payee not referred to in this receipt.

2.2 Where clause 1.1 records that this payment settles the matter in full, that statement is conclusive evidence, as between the Payee and the Payer, that nothing further is owed in respect of the matter described above, and the Payee shall not thereafter claim any further amount in respect of it.

  1. 3. TAX COMPLIANCE

3.1 The Parties record that under s.269SS and s.269T of the Income-tax Act, 1961, a loan or its repayment of Rs 20,000 or more must not be taken or repaid otherwise than by account payee cheque, account payee bank draft, or an electronic mode of payment — a contravention exposes the person who pays or receives in cash to a penalty equal to the amount so paid or received, under s.271D or s.271E of that Act. Where this receipt is for a loan or a loan repayment of Rs 20,000 or more, the mode of payment recorded above should comply with this clause.

  1. 4. STAMPING

4.1 This receipt is stamped, where the amount received calls for it, consistently with the stamping note that accompanies this template.

SIGNED by the PAYEE, acknowledging receipt of the above amount:

Harpreet Kaur

Signature: ______________________________
(Sign across the revenue stamp, if one is affixed, so that it cannot be reused)

Questions about this document

Does the Money Receipt need stamp paper or stamp duty in Punjab and Chandigarh?

Chargeable as a "Receipt" under Article 53, Schedule I to the Indian Stamp Act, 1899.

See the full position on stamp duty, registration and witnesses
Does the Money Receipt need registration in Punjab and Chandigarh?

Not registrable at all. s.17 of the Registration Act, 1908 does not reach a receipt, which creates no interest in property and merely records a fact — that a payment was made.

See the full position on stamp duty, registration and witnesses
What does the Money Receipt cost on Kagaznama?

Free.

Documents are free. Kits are free during our launch.

Does the Money Receipt need witnesses?

Not required and not customary.

See the full position on stamp duty, registration and witnesses

Often needed with this document

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