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Affidavit of Clear Title to a Lender

At a glance

Price
₹199 · GST included
Stamp duty
Article 4, Schedule I-A — a fixed duty, not %; forms print Rs 25, but neither Punjab's nor Chandigarh's table lists a rate, so confirm at the counter.
Registration
Not registrable (s.17) — declares facts, no property right created.
Witnesses
Not required; oath/attestation applies instead.

₹199

GST included

Launch period: downloads are free for now. The prices shown apply once payments open.

Need more than this one? It’s part of the Home loan kit: 5 documents for ₹699 instead of ₹895. You save ₹196. See what’s in the kit

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

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Also called

  • mortgagor title affidavit
  • lender title declaration

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.

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Why you need it

When you need it

A sworn statement for the lender on title, encumbrances, litigation, possession and available documents — facts within the deponent's own knowledge, not a substitute for the lender's own title search and CERSAI check. Don't call title “clear” as an absolute guarantee: disclose known charges, litigation, occupants or missing originals, and don't hide a pre-existing mortgage just because the new loan repays it. Follow Punjab's or Chandigarh's own affidavit stamp/attestation practice.

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

Article 4, Schedule I-A — a fixed duty, not %; forms print Rs 25, but neither Punjab's nor Chandigarh's table lists a rate, so confirm at the counter. One deponent, one sheet. Chandigarh's Estate Office accepts a notarised affidavit instead of Executive Magistrate attestation.

Registration

Not registrable (s.17) — declares facts, no property right created. The mortgage it supports follows its own rule.

Notarisation

Only if the lender wants an affidavit, sworn before a Notary/Oath Commissioner.

Witnesses

Not required; oath/attestation applies instead.

Talk to a lawyer about this document₹3,539 including GST (₹2,999 + 18% GST), per documentRequest Stamp Paper

Sample preview — placeholder answers, not your data

AFFIDAVIT OF CLEAR TITLE TO A LENDER

Affidavit date: 1 April 2026

I, Aarav Sharma, of Sector 21, Panchkula, make this statement to ABC Bank Ltd, Sector 17, Chandigarh, regarding loan HL-2026-118.

PROPERTY AND TITLE

Property: Plot 118, Sector 66, SAS Nagar, Punjab (Residential house/plot), Plot 118, Sector 66; conveyance deed 2345/2022., Punjab. Facility/security amount: ₹90,00,000 (Rupees Ninety Lakh only). Title source: Registered sale/conveyance deed; reference Conveyance deed 2345 dated 10 June 2022.

ENCUMBRANCES

Statement: No encumbrance is known other than those disclosed to lender.

LITIGATION

Position: No pending property litigation is known after reasonable personal inquiry.

POSSESSION AND DOCUMENTS

Possession: Borrower is in possession. Records available: Original conveyance deed; certified mutation; property tax records..

Questions about this document

Does the Affidavit of Clear Title to a Lender need stamp paper or stamp duty in Punjab and Chandigarh?

Article 4, Schedule I-A — a fixed duty, not %; forms print Rs 25, but neither Punjab's nor Chandigarh's table lists a rate, so confirm at the counter. One deponent, one sheet. Chandigarh's Estate Office accepts a notarised affidavit instead of Executive Magistrate attestation.

Does the Affidavit of Clear Title to a Lender need registration in Punjab and Chandigarh?

Not registrable (s.17) — declares facts, no property right created. The mortgage it supports follows its own rule.

What does the Affidavit of Clear Title to a Lender cost on Kaagazaat?

₹199, GST included.

Launch period: downloads are free for now. The prices shown apply once payments open.

Does the Affidavit of Clear Title to a Lender need witnesses?

Not required; oath/attestation applies instead.

Often needed with this document

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