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NOC for a Second Charge

At a glance

Price
₹99 · GST included
Stamp duty
No stamp duty — creates no right/title/interest, so not chargeable under Schedule I-A.
Registration
Not registrable — creates no property right, outside s.17.
Witnesses
Not required for the NOC.

₹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

  • first lender NOC for second mortgage
  • second charge consent

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

For when a mortgaged property needs the first lender's written consent before a second charge — issued by the first lender, not a self-certification. States the existing loan, property, second lender, maximum amount, ranking, conditions and validity, preserving the first lender's priority and enforcement position. Not a release of the first mortgage — the mortgage instrument, stamping, registration and CERSAI filing are still separately needed. Pari passu ranking needs a fuller inter-creditor arrangement.

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 — creates no right/title/interest, so not chargeable under Schedule I-A. The second mortgage is separately stamped.

Registration

Not registrable — creates no property right, outside s.17. The second mortgage follows its own s.59 rule.

Notarisation

Not required unless authenticated consent is wanted.

Witnesses

Not required for the NOC.

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

NOC FOR A SECOND CHARGE

NOC date: 1 April 2026

Issued by First Bank Ltd in relation to first loan FL-2024-118. Proposed second-charge lender record: ABC Bank Ltd, Sector 17, Chandigarh, current stated outstanding ₹50,00,000 (Rupees Fifty Lakh only).

Borrower/security provider: Aarav Sharma, Sector 21, Panchkula. Proposed second lender: ABC Bank Ltd. Lender record reference: HL-2026-118.

PROPERTY

Plot 118, Sector 66, SAS Nagar, Punjab (Residential house/plot), Plot 118, Sector 66; conveyance deed 2345/2022., in Punjab. Stated secured facility context: ₹90,00,000 (Rupees Ninety Lakh only).

CONSENT

Consent is limited to a second charge up to ₹30,00,000 (Rupees Thirty Lakh only). Ranking: Second charge strictly subordinate to first lender. Conditions: Second lender acknowledges first priority; no title originals removed without first lender consent..

Questions about this document

Does the NOC for a Second Charge need stamp paper or stamp duty in Punjab and Chandigarh?

No stamp duty — creates no right/title/interest, so not chargeable under Schedule I-A. The second mortgage is separately stamped.

Does the NOC for a Second Charge need registration in Punjab and Chandigarh?

Not registrable — creates no property right, outside s.17. The second mortgage follows its own s.59 rule.

What does the NOC for a Second Charge cost on Kaagazaat?

₹99, GST included.

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

Does the NOC for a Second Charge need witnesses?

Not required for the NOC.

Often needed with this document

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