What is this service?
Registered closure of a mortgage and recovery of title documents.
After a loan is fully repaid, the mortgage must be formally closed: the lender returns the title deeds and, for registered mortgages, a release or re-conveyance deed is registered so the Encumbrance Certificate reflects a clear title.
Why and when you need it
- Why
- Until the release is registered, the mortgage continues to appear against the property.
- Who needs it
- Owners who have fully repaid a mortgage loan.
- When
- Immediately after loan closure and collection of originals from the lender.
Required documents
- Loan closure letter and no-dues certificate from the lender
- Original mortgage deed particulars
- Title documents returned by the lender
- Identity proofs of the parties
- Latest tax paid receipts
Identity and supporting documents
- PAN card of each applicant or party
- Aadhaar card or another government photo identity and address proof
- Passport-size photographs
- For companies and associations: incorporation documents, board resolution and authorisation letter
Step-by-step procedure
- Collect the closure letter and original documents from the lender
- Draft the release or re-conveyance deed
- Enter details and upload the draft on Kaveri 2.0
- Pay applicable stamp duty and registration fees
- Register at the SRO and then verify the EC reflects the release
Fees, stamp duty and timelines
- Government fee
- Government fees, where applicable, are paid only on the official portal or at the government office. Confirm the current amount on the official portal before payment.
- Assistance charges
- Professional assistance charges are quoted after understanding your requirement. Government fees and SRCHN service charges are always shown separately. Confirm the final quote before work begins.
- Processing time
- Processing time varies by office and case. No completion timeline is guaranteed.
Government fees and SRCHN assistance charges are always kept separate. Nothing here is an invented price - confirm current amounts on the official portal or with our team before paying.
Legal requirements
- Transfer of Property Act, 1882
- Registration Act, 1908
- Karnataka Stamp Act, 1957
Common rejection reasons
- Closure letter or no-dues certificate not produced
- Mortgage particulars not matching registration records
Important cautions
Verify the EC after registration to confirm the charge is cleared
Keep the lender's closure letter permanently with your title documents
FAQs
The bank returned my documents - is the mortgage closed?
For an equitable mortgage, returning the deeds generally closes it. For a registered mortgage, a release deed must also be registered.
