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Request to Add a Co-Applicant

At a glance

Price
₹99 · GST included
Stamp duty
No stamp duty — not an 'instrument' under s.2(14), Indian Stamp Act 1899.
Registration
Not registrable (s.17, Registration Act 1908).
Witnesses
Not required; borrower signatures and documents matter more.

₹99

GST included

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

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

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Also called

  • home loan co-applicant addition
  • add joint borrower request
  • co-borrower addition before disbursement

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

Add a co-purchaser, co-owner, spouse or income-supporting borrower to a pending or sanctioned home loan — not just a name change: the lender reassesses KYC, income and ownership alignment, and a sanctioned/disbursed loan may need a revised sanction. State relationship, role, income, obligations, ownership and loan stage. Co-borrower status doesn't itself make someone an owner, or vice versa; the co-applicant separately consents to lender documents.

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 — not an 'instrument' under s.2(14), Indian Stamp Act 1899. Plain paper; the loan agreement, deposit memorandum, mortgage and guarantee are stamped separately.

Registration

Not registrable (s.17, Registration Act 1908). The mortgage itself needs registration if Rs 100+, unless by deposit of title deeds — two witnesses (s.59, TPA 1882).

Notarisation

Not required unless the lender wants an affidavit.

Witnesses

Not required; borrower signatures and documents matter more.

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

REQUEST TO ADD A CO-APPLICANT

Request date: 1 April 2026

To ABC Bank Ltd, Sector 17, Chandigarh.

Primary borrower: Aarav Sharma, Sector 21, Panchkula. Phone: +91 XXXXX XXXXX; email: aarav@example.com. Application: HL-2026-118

Proposed co-applicant: Naina Sharma, Sector 21, Panchkula. Relationship: Spouse. Requested role: Joint borrower and co-owner/co-purchaser.

CO-APPLICANT FINANCIAL PROFILE

Stated monthly net income: ₹1,50,000 (Rupees One Lakh Fifty Thousand only). Income source: Self-employed architect; professional receipts.. Existing obligations: Nil..

PROPERTY / LOAN ALIGNMENT

Ownership position: Co-applicant is/will be co-owner. Loan stage: Before sanction.

DOCUMENTS AND CONSENT

Documents: PAN/passport ID, ITRs, bank statements, marriage certificate.. Consent status: Co-applicant will sign lender's application, KFS/loan and security documents as required.

Questions about this document

Does the Request to Add a Co-Applicant need stamp paper or stamp duty in Punjab and Chandigarh?

No stamp duty — not an 'instrument' under s.2(14), Indian Stamp Act 1899. Plain paper; the loan agreement, deposit memorandum, mortgage and guarantee are stamped separately.

Does the Request to Add a Co-Applicant need registration in Punjab and Chandigarh?

Not registrable (s.17, Registration Act 1908). The mortgage itself needs registration if Rs 100+, unless by deposit of title deeds — two witnesses (s.59, TPA 1882).

What does the Request to Add a Co-Applicant cost on Kaagazaat?

₹99, GST included.

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

Does the Request to Add a Co-Applicant need witnesses?

Not required; borrower signatures and documents matter more.

Often needed with this document

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