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Complaint for Delay in Removing a Charge

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Price
₹99 · GST included
Stamp duty
No duty — not an instrument (s.2(14), Stamp Act 1899).
Registration
Not registrable (s.17, Registration Act 1908).
Witnesses
Not required; the sender signs it.

₹99

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Also called

  • mortgage charge release delay complaint
  • RBI document release complaint

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Why you need it

When you need it

More than 30 days after full repayment, the lender still hasn't returned documents or filed charge satisfaction. RBI's 13 September 2023 direction requires both within 30 days, Rs 5,000/day compensation for entity-attributable delay, plus 30 extra days if originals are lost/damaged (lender bears copy costs). State the closure date, deadline, outstanding action, follow-ups, days claimed and relief sought. No reply within 30 days (or an unsatisfactory one): escalate a bank/NBFC complaint to the RBI Ombudsman (RB-IOS 2026) within 90 days of the deadline or last reply. HFCs are outside that scheme — go to the National Housing Bank after their own grievance officer.

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 duty — not an instrument (s.2(14), Stamp Act 1899).

Registration

Not registrable (s.17, Registration Act 1908).

Notarisation

Only if the receiving office wants a sworn affidavit.

Witnesses

Not required; the sender signs it.

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

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COMPLAINT FOR DELAY IN REMOVING A CHARGE

Complaint date: 3 April 2026

To ABC Bank Ltd, Sector 17, Chandigarh. Borrower: Aarav Sharma, Sector 21, Panchkula. Loan: Home loan ending 1188. Property: Apartment 804, ABC Heights, SAS Nagar, Punjab; Apartment 804, Tower B; deed no. 2345.. Regime: Punjab freehold/revenue-record property.

Loan closure: 1 April 2026. Thirty-day deadline: 2 April 2026. Delay: Original property documents not returned. Prior follow-ups: Requests dated 06 and 25 September 2026.. Delay days claimed: 25,000. Compensation claimed: ₹25,000 (Rupees Twenty Five Thousand only). Relief requested: Immediate release or satisfaction, written reasons and compensation calculation..

LEGAL BASIS

Punjab: RBI's 13 September 2023 direction requires covered lenders to return originals and remove registered charges within 30 days and provides Rs 5,000 per day for lender-attributable delay. The lender grievance office receives the complaint. If the lender does not reply within 30 days, or its reply does not resolve the complaint, a complaint against a bank or a non-banking finance company covered by the Reserve Bank – Integrated Ombudsman Scheme, 2026 can be taken to the RBI Ombudsman within 90 days of that deadline or of the lender's last reply, whichever is later. Housing finance companies are outside that scheme: a complaint against one goes, after the company's own grievance redressal officer, to the National Housing Bank. Any Punjab local charge-record update is a separate authority process.

Questions about this document

Does the Complaint for Delay in Removing a Charge need stamp paper or stamp duty in Punjab and Chandigarh?

No duty — not an instrument (s.2(14), Stamp Act 1899).

Does the Complaint for Delay in Removing a Charge need registration in Punjab and Chandigarh?

Not registrable (s.17, Registration Act 1908).

What does the Complaint for Delay in Removing a Charge cost on Kaagazaat?

₹99, GST included.

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

Does the Complaint for Delay in Removing a Charge need witnesses?

Not required; the sender signs it.

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