Kaagazaat

Offer of Premises to a Bank

At a glance

Price: Free, always.
Stamp duty: A letter that only makes an offer is not an agreement and does not need stamp paper in Punjab or Chandigarh.
Registration: Nothing in this letter needs registration.
Witnesses: Not required.

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Also called

Offer Letter to Bank
Premises Offer for Bank Branch
Offer of Premises for ATM
Bank Branch Premises Offer
Landlord Offer to Bank
Bank Premises Offer Letter
Offer of Property on Rent to Bank
Premises Offer to Banking Company

When you need it

A letter in which a landlord offers a shop, showroom, office floor or similar space to a bank for a branch, an ATM or a back-office unit. Banks and their premises departments usually invite offers in writing, compare several, and then send a technical team to inspect before anything is signed.

This letter puts the landlord's offer in one place: the space, the rent, the increase, the deposit, the length of the term, the lock-in the landlord can give, when the space can be handed over, and what the landlord will make available. It is an offer and nothing more. It does not create a lease, and it does not oblige the bank to take the space or the landlord to hold it beyond the days stated in the letter. A bank will normally ask for title papers, the sanctioned building plan, the completion or occupation certificate where one was issued, and the property tax receipts before it goes further. The letter says the landlord will provide them on request; it does not attach them. Use it when you are the owner (or the person authorised by the owner) of premises in Punjab or Chandigarh and a bank has asked for offers, or you wish to approach a bank yourself. Not for: a lease that has been agreed in principle and only needs to be written up (use a commercial lease deed), a letter of intent that records a deal both sides have already settled, or an offer to sell the property.

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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

A letter that only makes an offer is not an agreement and does not need stamp paper in Punjab or Chandigarh. The lease that follows, if the bank accepts, will need stamping on the figures that apply to leases at that time. Check the current figure for that lease with the Sub-Registrar or a licensed stamp vendor; this letter does not state one.

Registration

Nothing in this letter needs registration. Whether the lease that follows needs to be registered depends on its term and rent, and the bank will usually insist on registration in any case. Ask the Sub-Registrar or a lawyer once the term is settled.

Notarisation

Not required. Notarising the landlord's signature is a choice and not a condition for the offer to be valid.

Witnesses

Not required. The date of the letter matters more than a witness, because the offer stays open only for the number of days stated from that date.

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Sample preview — placeholder answers, not your data

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OFFER OF PREMISES

From: Chadha Commercial Complex Private Limited, an individual, of SCO 11, Sector 8-C, Chandigarh 160009
Date: 2 April 2026

To,
The Regional Manager, Premises Department
Punjab National Bank
Regional Office, Sector 17-B, Chandigarh 160017

Subject: Offer of premises at Shop No. 3, Ground Floor, SCO 11, Sector 8-C, Chandigarh, Chandigarh, for use as a bank branch

Dear Sir or Madam,

1. The Landlord named above is the owner of, or is authorised to let, the premises described below, and offers them to Punjab National Bank (the "Bank") on the terms in this letter.

2. THE PREMISES. Shop No. 3, Ground Floor, SCO 11, Sector 8-C, Chandigarh, situated at Chandigarh, in the State of Punjab (the "Premises"). Floor and area offered: Ground floor, about 1,800 sq ft carpet area.

3. USE. The Premises are offered for use as a bank branch.

4. RENT. The rent asked is ₹1,80,000 (Rupees One Lakh Eighty Thousand only) per month. It will increase by 15 per cent once in every 3 years.

5. GST. The Landlord is registered under GST and will charge GST on the rent where the law requires it.

6. SECURITY DEPOSIT. An interest-free refundable security deposit of 6 months' rent, to be paid on signing the lease and refunded when the Bank vacates and hands the Premises back, less any amount properly due under the lease.

7. TERM AND LOCK-IN. A lease for 9 years, with a lock-in of 36 months from the start of the lease during which neither side may end it early except for a breach that is not put right after notice.

8. POSSESSION. The Premises can be handed over from 1 April 2026.

9. FIT-OUT PERIOD. The Landlord will allow 60 days from the date of handing over possession, free of rent, for the Bank to fit out the Premises. Other charges, if any, remain payable.

10. POWER. Electric load available at the Premises: 30 kW.

11. FACILITIES. The Landlord will make the following available with the Premises: Parking for six cars; space on the roof for a V-SAT dish; separate entry for an ATM kiosk.

12. PAPERS. On request, the Landlord will give the Bank copies of its title papers, the sanctioned building plan, the completion or occupation certificate where one has been issued, and the latest property tax receipts, so that the Bank's legal and technical teams can complete their checks.

13. INSPECTION. The Landlord will allow the Bank's officers and technical team to inspect the Premises at a time agreed in advance.

14. NOT A LEASE. This letter is an offer only. It does not create a lease or any right in the Premises, and it does not oblige the Bank to take the Premises. The terms of any lease will be those written in the lease signed by both sides, and until then either side may end the discussion.

15. VALIDITY. This offer stays open for 45 days from the date of this letter. After that the Landlord is free to offer the Premises to others without further notice.

Questions about this document

Does the Offer of Premises to a Bank need stamp paper or stamp duty in Punjab and Chandigarh?

A letter that only makes an offer is not an agreement and does not need stamp paper in Punjab or Chandigarh.

See the full position on stamp duty, registration and witnesses

Does the Offer of Premises to a Bank need registration in Punjab and Chandigarh?

Nothing in this letter needs registration.

See the full position on stamp duty, registration and witnesses

What does the Offer of Premises to a Bank cost on Kaagazaat?

Free, always.

Does the Offer of Premises to a Bank need witnesses?

Not required.

See the full position on stamp duty, registration and witnesses

Often needed with this document

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