Kaagazaat
+91 70871 19160

Kaagazaat

Acknowledgement of Return of Original Title Deeds

At a glance

Price
₹99 · GST included

₹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

  • Receipt for title deeds returned by the bank
  • Acknowledgement of receipt of property documents after loan closure
  • Title deed handover receipt
  • Property papers collection letter
  • Document release acknowledgement (home loan closure)

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

For the day you collect original property papers from the bank/HFC after loan closure — sign this instead of the bank's own one-line printed slip. Why it matters: the slip usually just says 'received all documents in original and good condition'; signing it says the bundle was complete, and going behind your own clean signature later is slow and expensive. This instead lists every document, page counts and original/copy status, and reserves your rights on anything not in the bundle. Before signing, get the List of Documents or Memorandum of Deposit from sanction and tick the bundle against it; if refused, say so in the letter and sign only against your own records. Also claims RBI delay compensation if papers came late, asks for CERSAI satisfaction, the No Dues Certificate and a credit-bureau update, and sets an escalation ladder — banks/NBFCs to the RBI Ombudsman, HFCs to the National Housing Bank. Don't use this if: collecting as a legal heir or under a power of attorney; the borrower is a company/LLP/partnership; the loan is still running; or you want to discharge a registered mortgage. Not a substitute for a No Dues Certificate.

See stamp duty, registration and witnesses

What follows is the position for this kind of document. The amount is set by the state the property is in and it changes, so the figure for your own state is worth confirming at the sub-registrar’s office before you pay anything.

Stamp duty

None — no stamp paper, e-stamp or franking; plain paper. Records a handover, not a transfer or money receipt. A counter may want a ₹1 revenue stamp (Article 53), but likely doesn't apply — s.2(23)(b)'s 'receipt' means property received in satisfaction of a debt, and returned deeds are the opposite. Even if it applied, ₹1 is the entire liability everywhere (Entry 91, List I). Affix one if it helps; nothing more can be demanded.

Registration

Not registrable — s.17(1) catches instruments creating/extinguishing a ₹100+ right; a receipt does neither. Separately, if secured by a registered deed, s.60, TPA 1882 lets you demand a registered extinguishment acknowledgment. CERSAI satisfaction is the lender's own filing; paragraph 9 asks for proof.

Notarisation

Not required — the bank's own hand (officer's signature, name, code, date, branch stamp) is the strongest proof. If refused, email the branch and send registered post with acknowledgement due.

Witnesses

None required. If anything is missing or a photocopy, have someone sign the optional 'present at handover' line, and photograph every document before leaving.

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

ACKNOWLEDGEMENT OF RETURN OF ORIGINAL TITLE DEEDS
(with schedule of documents received and reservation of rights)

Date: 3 April 2026
Place: Navi Mumbai

From:
Rohit Anil Deshmukh
Flat 402, Sai Residency, Plot 17, Sector 21, Kharghar, Navi Mumbai 410210
Mobile: +91 XXXXX XXXXX
Email: rohit.deshmukh@example.com

To:
The Branch Manager
State Bank of India
Vashi Branch
Plot 12, Sector 17, Vashi, Navi Mumbai 400703

Subject: Loan Account No. 38472910556 — acknowledgement of original property documents received on 2 April 2026, with reservation of rights, and pending items

Dear Sir / Madam,

A. The account and the security

  1. I, Rohit Anil Deshmukh, am the borrower under the Home Loan bearing Loan Account No. 38472910556 with State Bank of India, Vashi Branch. Sneha Rohit Deshmukh is a co-borrower on the same account and signs this letter with me.
  1. The security for that loan was created over the following immovable property ("the Property") by way of deposit of title deeds:

Flat No. 402, 4th Floor, Sai Residency Co-operative Housing Society Ltd., Plot No. 17, Sector 21, Kharghar, Taluka Panvel, District Raigad, admeasuring 62.4 sq. m. carpet area, together with covered car parking No. 11.

  1. The loan account was closed by way of full prepayment of the outstanding dues on 1 April 2026.
  1. On 2 April 2026, at your Vashi Branch office, Ms. Priya Nair, Assistant Manager (Retail Assets) handed over to me the documents set out in the Schedule at paragraph 5 below. This letter is my acknowledgement of those documents, and of nothing more.

B. Schedule of documents received

  1. SCHEDULE — documents received on 2 April 2026

Sr. No. | Description of document | Original or certified copy | No. of pages | Condition

  1. Agreement for Sale dated 14.06.2016 between Kamat Developers Pvt. Ltd. and Rohit Anil Deshmukh, registered at Sr. No. PVL-3/4821/2016 | Original | 46 pages | good condition
  2. Index-II for the said registration | Original | 2 pages | good condition
  3. Stamp duty payment receipt (GRN MH00123456789) dated 13.06.2016 | Original | 1 page | good condition
  4. Possession Letter dated 02.11.2017 issued by Kamat Developers Pvt. Ltd. | Original | 1 page | good condition
  5. Share Certificate No. 74, Distinctive Nos. 366-370, issued by Sai Residency CHS Ltd. | Original | 1 page | corner torn, no loss of text
  6. Occupancy Certificate dated 21.09.2017 issued by CIDCO | Certified copy | 3 pages | good condition
  1. Before signing this letter I have checked the Schedule against the List of Documents given to me. I have counted the pages of each item and satisfied myself that the Schedule records what has actually been placed in my hands today.

C. Reservation of rights

  1. My signature below is an acknowledgement of the items listed in the Schedule and of those items only. It is not a confirmation that every document deposited with you has been returned, not a certificate that the documents are complete or free from defect, not a discharge of any claim I have or may have against you, and not a waiver of any right available to me under the loan documents, under the directions of the Reserve Bank of India, or under any law.

— No copy of the List of Documents or Memorandum of Deposit of Title Deeds was made available to me before I signed, although I asked for it at the counter. I have therefore signed on the strength of my own records alone. I reserve the right to raise a claim if any document deposited with you later turns out not to have been returned. Please issue me a copy of that list within 7 days of this letter.

— The following documents were deposited with you as security and have not been returned to me today. They remain in your custody and at your responsibility, and I expressly reserve all rights in respect of them:

  1. Original Sale Deed dated 03.02.2009 between Mr. S. R. Iyer and Kamat Developers Pvt. Ltd. (the link deed), registered at Sr. No. PVL-2/1173/2009
  2. Original Development Agreement dated 19.08.2013

Please confirm in writing within 15 days where each of these documents is, and when it will be delivered to me.

— The following documents have been returned in damaged, incomplete or altered condition. I record the defects now rather than later, and I do not accept that they were in this condition when deposited:

  1. Share Certificate No. 74 — bottom-right corner torn away, society's second endorsement partly illegible
  2. Possession Letter dated 02.11.2017 — water damage across lower third, developer's stamp not legible

— You have informed me that the following documents have been lost, misplaced or destroyed while in your custody:

Questions about this document

What does the Acknowledgement of Return of Original Title Deeds cost on Kaagazaat?

₹99, GST included.

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

Often needed with this document

Back to Home loans, mortgage and money against property