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Kaagazaat

Mutation Recording a Mortgage

At a glance

Price
₹99 · GST included
Stamp duty
No stamp duty: a s.34 mutation report transfers nothing (outside Schedule I-A); duty was due on the source instrument.
Registration
Not registrable — outside s.17, Registration Act, 1908.
Witnesses
Not ordinarily required; the authority may call for witnesses or identifiers at attestation or hearing.

₹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

  • mortgage mutation application
  • record mortgage charge in revenue record

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

A lender or mortgagor needs the record to reflect an existing mortgage: borrower, lender, source instrument, secured amount, identifiers, the charge. Recording doesn't create the mortgage — the security document must already be effective — and mustn't overstate the lender's interest. Redemption is separate, so the charge isn't permanent.

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: a s.34 mutation report transfers nothing (outside Schedule I-A); duty was due on the source instrument. No court fee. Cost is the Rs 600 mutation fee (Punjab Revenue Dept, 6 Sep 2026), recovered under s.38(2) at attestation from the person favoured; late reporting (past 3 months) risks a s.39 fine up to 5x — Rs 3,000.

Registration

Not registrable — outside s.17, Registration Act, 1908. The Patwari logs it in the register of mutations, the Kanungo validates it, returning an intkal number and order. An unregistered instrument needing registration can't found a mutation.

Notarisation

Not required unless the authority asks for an affidavit, declaration or attested copy.

Witnesses

Not ordinarily required; the authority may call for witnesses or identifiers at attestation or hearing.

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

MUTATION RECORDING A MORTGAGE

Application date: 2 April 2026

SECURITY SOURCE

Applicant: Aarav Sharma, Sector 21, Panchkula. Mortgage/security source: registered or otherwise legally recognised mortgage/security instrument, reference Document no. 118 dated 01 September 2026, dated 1 April 2026.

Recorded owner/mortgagor: Harpreet Singh. Proposed recorded charge/right-holder: Aarav Sharma.

MORTGAGED PROPERTY

District SAS Nagar, Tehsil Kharar, Village Kharar. Property identifiers: Khewat 114, Khatauni 226, Khasra 18//12 min.. Secured property/interest: 4 kanal agricultural land, full ownership share..

Charge or mortgage interest requested to be noted: Full interest to be entered in favour of Aarav Sharma.. Existing record reference: Jamabandi 2022-23, Khewat 114.

CHARGE EVIDENCE

Security-document status: Required source document attached. Additional lender/security material: Signed application and current record copy.

The proposed mutation is only a notation of the mortgage or charge already created by the legally effective security transaction. It should not state a larger security interest, principal amount or priority than the source instrument supports.

OBJECTION / PRIOR CHARGE POSITION

Objection or competing-charge status: No known objection has been communicated.

Questions about this document

Does the Mutation Recording a Mortgage need stamp paper or stamp duty in Punjab and Chandigarh?

No stamp duty: a s.34 mutation report transfers nothing (outside Schedule I-A); duty was due on the source instrument. No court fee. Cost is the Rs 600 mutation fee (Punjab Revenue Dept, 6 Sep 2026), recovered under s.38(2) at attestation from the person favoured; late reporting (past 3 months) risks a s.39 fine up to 5x — Rs 3,000.

Does the Mutation Recording a Mortgage need registration in Punjab and Chandigarh?

Not registrable — outside s.17, Registration Act, 1908. The Patwari logs it in the register of mutations, the Kanungo validates it, returning an intkal number and order. An unregistered instrument needing registration can't found a mutation.

What does the Mutation Recording a Mortgage cost on Kaagazaat?

₹99, GST included.

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

Does the Mutation Recording a Mortgage need witnesses?

Not ordinarily required; the authority may call for witnesses or identifiers at attestation or hearing.

Often needed with this document

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