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English Mortgage Deed

At a glance

Price
₹799 · GST included
Stamp duty
Punjab: mortgage-deed article, Schedule I-A; rate turns on possession, unconfirmed here — get it from the tehsil Sub-Registrar or adjudicate (s.31). Chandigarh: the live calculator shows 2% without possession, 4% with, 3% for a bank mortgage — confirm at Sub-Registrar UT Chandigarh Sector 17.
Registration
S.59, TPA 1882: a ₹100+ mortgage needs a registered, signed, two-witness instrument — compulsory (s.17(1)(b)); present within 4 months (s.23), extension/fine under s.25.
Witnesses
Two witnesses required by s.59 for a ₹100+ mortgage.

₹799

GST included

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

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Also called

  • English mortgage
  • section 58(e) mortgage deed

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Why you need it

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A deliberately-chosen English mortgage, not the more common simple mortgage or deposit of title deeds. S.58(e), TPA 1882: the mortgagor binds to repay by a fixed date and transfers the property absolutely, subject to re-transfer on payment — a significant, not-casual choice. Principal ordinarily exceeds ₹100, so s.59 needs a registered instrument and two attesting witnesses. States repayment structure, title, possession, re-transfer, defaults and release. Use a different form if s.58(e) isn't genuinely intended — mislabelling risks title/remedy uncertainty.

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

Punjab: mortgage-deed article, Schedule I-A; rate turns on possession, unconfirmed here — get it from the tehsil Sub-Registrar or adjudicate (s.31). Chandigarh: the live calculator shows 2% without possession, 4% with, 3% for a bank mortgage — confirm at Sub-Registrar UT Chandigarh Sector 17. Stamp by signing (s.17); unstamped instruments are inadmissible until duty+penalty are paid (s.35).

Registration

S.59, TPA 1882: a ₹100+ mortgage needs a registered, signed, two-witness instrument — compulsory (s.17(1)(b)); present within 4 months (s.23), extension/fine under s.25.

Notarisation

Not a substitute for registration or validity.

Witnesses

Two witnesses required by s.59 for a ₹100+ mortgage.

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

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ENGLISH MORTGAGE DEED

Deed date: 1 April 2026

PARTIES

Mortgagor: Aarav Sharma, Sector 21, Panchkula. Mortgagee: ABC Bank Ltd, Sector 17, Chandigarh. Loan: HL-2026-118.

SECURED DEBT

Principal secured: ₹90,00,000 (Rupees Ninety Lakh only). Interest: 8.5% per annum. Term: 180 months. Repayment/redemption date: 2 April 2026.

PROPERTY AND TRANSFER

Property: Plot 118, Sector 66, SAS Nagar, Punjab (Residential house/plot), Plot 118, Sector 66; conveyance deed 2345/2022., in Punjab. Structure selected: Mortgagor transfers the mortgaged interest absolutely to mortgagee subject to re-transfer on repayment as required for an English mortgage. Possession: Mortgagor remains in occupation under lender-approved arrangement.

Title documents: Conveyance deed 2345/2022 and mutation..

RE-TRANSFER

Re-transfer covenant: Mortgagee shall re-transfer the mortgaged interest upon full payment of secured debt..

DEFAULT

Defaults: Non-payment on due date; unauthorised disposition; insolvency event affecting security.. Enforcement remains subject to applicable law and the governing loan/security documents.

EXECUTION

Questions about this document

Does the English Mortgage Deed need stamp paper or stamp duty in Punjab and Chandigarh?

Punjab: mortgage-deed article, Schedule I-A; rate turns on possession, unconfirmed here — get it from the tehsil Sub-Registrar or adjudicate (s.31). Chandigarh: the live calculator shows 2% without possession, 4% with, 3% for a bank mortgage — confirm at Sub-Registrar UT Chandigarh Sector 17. Stamp by signing (s.17); unstamped instruments are inadmissible until duty+penalty are paid (s.35).

Does the English Mortgage Deed need registration in Punjab and Chandigarh?

S.59, TPA 1882: a ₹100+ mortgage needs a registered, signed, two-witness instrument — compulsory (s.17(1)(b)); present within 4 months (s.23), extension/fine under s.25.

What does the English Mortgage Deed cost on Kaagazaat?

₹799, GST included.

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

Does the English Mortgage Deed need witnesses?

Two witnesses required by s.59 for a ₹100+ mortgage.

Often needed with this document

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