What is this service?
A registered instrument creating a mortgage over immovable property.
A registered mortgage deed formally charges immovable property as security for a loan. Where the lender or law requires a registered mortgage, the deed must be stamped, executed and registered at the Sub-Registrar Office. Many home loans instead use an equitable mortgage by deposit of title deeds, which follows a different process - see the Memorandum of Deposit of Title Deeds service.
Why and when you need it
- Why
- A registered mortgage deed legally perfects the lender's charge and protects both parties' positions.
- Who needs it
- Borrowers and lenders where a registered mortgage is required.
- When
- When a loan is secured against property by a formal registered mortgage.
Required documents
- Title documents of the property to be mortgaged
- Loan sanction letter or agreement particulars
- Khatha certificate and extract
- Latest property tax paid receipts
- Encumbrance Certificate
- Identity proofs of mortgagor, mortgagee and witnesses
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
- Confirm the mortgage type required by the lender
- Draft the mortgage deed with the property schedule and loan terms
- Enter details and upload the draft on Kaveri 2.0
- Pay applicable stamp duty and registration fees
- Attend the SRO for execution and biometrics
Fees, stamp duty and timelines
- Stamp duty
- Stamp duty and registration charges are set by the Department of Stamps and Registration, Government of Karnataka, and depend on the instrument and the property value. Confirm the current amount on the official Kaveri / IGR portal before paying anything. Mortgage instruments have their own stamp duty treatment - confirm the current position on the official portal.
- 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 - mortgage of immovable property
- Registration Act, 1908
- Karnataka Stamp Act, 1957
Common rejection reasons
- Unclear title or missing parent deed
- Existing encumbrance not disclosed
- Mismatch between the deed schedule and revenue or municipal records
Important cautions
Disclose any existing loan or charge on the property
After loan closure, complete the release or re-conveyance so the EC is clear
Lender requirements differ - confirm whether the lender needs a registered mortgage or equitable mortgage
FAQs
Is registration of a mortgage deed compulsory?
Where the Transfer of Property Act requires a mortgage to be effected by a registered instrument, yes. Equitable mortgages by deposit of title deeds follow a different route. Take independent legal advice for your case.
Does the EC show the mortgage?
A registered mortgage appears in the registration records reflected in the Encumbrance Certificate.
