Kaagazaat
+91 70871 19160

Kaagazaat

Moratorium or Instalment Holiday Request

At a glance

Price
₹99 · GST included
Stamp duty
No stamp duty — not an instrument under s.2(14), Stamp Act, 1899; plain paper.
Registration
Not registrable (s.17, Registration Act, 1908) — no property interest.
Witnesses
Not required; authentication and signatures 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.

See all prices

Also called

  • EMI holiday request
  • temporary home loan payment relief
  • loan hardship restructuring request

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.

Fill this one in
Why you need it

When you need it

Asks the lender to consider an EMI holiday, reduced payment or other restructuring — not a statutory moratorium; the lender decides under its own policy. States hardship, income, duration, recovery date, arrears/evidence, and the effect on interest/EMI/tenure/credit reporting — distinct from RBI's floating-rate reset options. Claims no entitlement to suspend payment.

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), Stamp Act, 1899; plain paper. Other loan/security documents are separately stamped.

Registration

Not registrable (s.17, Registration Act, 1908) — no property interest. The mortgage itself needs a registered, two-witness instrument if ₹100+ (s.59, TPA 1882).

Notarisation

Not required unless the lender asks for it.

Witnesses

Not required; authentication and signatures 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

MORATORIUM OR INSTALMENT HOLIDAY REQUEST

Request date: 2 April 2026

To ABC Bank Ltd, Sector 17, Chandigarh.

Borrower: Aarav Sharma, Sector 21, Panchkula. Phone: 98765 43210; email: aarav@example.com. Application/reference: HL-2026-118

Loan account: Home loan ending 1188. Current EMI: ₹78,000 (Rupees Seventy Eight Thousand only).

RELIEF REQUESTED

Relief: Temporary full instalment holiday. Period: 3 months starting 1 April 2026.

HARDSHIP

Reason: Temporary job/income interruption. Details: Employer has placed applicant on unpaid leave for three months..

Current monthly income during hardship: ₹90,000 (Rupees Ninety Thousand only). Normal expected monthly income: ₹2,50,000 (Rupees Two Lakh Fifty Thousand only). Expected recovery: 3 April 2026.

ACCOUNT STATUS

Arrears status: No EMI currently overdue.. Supporting evidence: Employer unpaid-leave letter and three-month cash-flow statement..

Questions about this document

Does the Moratorium or Instalment Holiday Request need stamp paper or stamp duty in Punjab and Chandigarh?

No stamp duty — not an instrument under s.2(14), Stamp Act, 1899; plain paper. Other loan/security documents are separately stamped.

Does the Moratorium or Instalment Holiday Request need registration in Punjab and Chandigarh?

Not registrable (s.17, Registration Act, 1908) — no property interest. The mortgage itself needs a registered, two-witness instrument if ₹100+ (s.59, TPA 1882).

What does the Moratorium or Instalment Holiday Request cost on Kaagazaat?

₹99, GST included.

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

Does the Moratorium or Instalment Holiday Request need witnesses?

Not required; authentication and signatures matter more.

Often needed with this document

Back to Home loans, mortgage and money against property