Mortgage Intimation of Deposit of title deed

Mortgage Intimation of Deposit of title deed,  Notice of intimation, Registration of equitable Mortgage Deed

Disclaimer: I have written this to help guide the process purely based on my experience.

The ‘Mortgage Intimation of Deposit of title deed’ should be physically filed within 30 days from the date of mortgage. Read this post completely before starting to fill the notice.

Recently I have purchased a resale flat and the BANK told me to file ‘Mortgage Intimation of Deposit of title deed’. I could find no good document to refer and follow to file the intimation. I also approached an agent for the same and He told me that the process is too much complicated and will take long time and an individual cannot easily achieve it.

But I tried to do it on my own and found that it is as simple as that! It hardly takes 4-5 hours to complete the process (including the travel time to bank) Mortgage Intimation of Deposit of title deed

Why ‘Mortgage Intimation’

It is carried out with the intention of safeguarding the interests of banks and the society also. Till date, the agreement/intimation relating to mortgage by way of deposit of title deed was out of public domain. Due to this, there was scope for fraudulent practices like availing loans from multiple banks on same property or disposing of the property which is already mortgaged. Therefore these amendments have been brought with the objective of preventing such frauds

Let’s look into the process.

What you need to make sure before doing this?

  • Check if the Bank or the financial institute has paid the stamp duty for mortgage registration and take a copy of it duly stamped by the BANK/Institution (usually it is of Rs.8800/-)
  • Have the correct address of the property you have purchased
  • Have the correct mortgage date, loan disbursement date, loan amount, interest rate etc with you

What does the process involve?

  • Fill details of mortgagee, mortgagor, property and payment
  • Making the payment towards Filing fees
  • Submit the complete form online and take print of the same. This is called ‘Mortgage Intimation form’
  • Affix a photo, Make a thump impression on this form
  • Get this form signed and stamped from the BANK/Finance Institution
  • Visit the Sub-registrar office and submit this form along with following documents (mentioned under “What All documents you need to submit?”)

What All documents you need to submit?

  1. Mortgage Intimation form (Notice of Intimation regarding mortgage by way of deposit of Title Deed). This is what you get as said above
  2. PAN card photocopy
  3. A Rs.100/- stamp paper (Just write “Intimation of Mortgage” on the stamp paper. That’s it!). Even you can have eChallan of Rs.100.00 Please read Readers Digest Section for details
  4. eChallan (receipt of filing fees of Rs.1000/-). Payment steps are detailed out below.
  5. Index-II photocopy, Registration receipt copy (You will find it in your sale deed)
  6. Rs.300/- cash while submitting the documents at Sub registrar (SRO) office

I suggest, to make a payment towards filing fees (Rs.1000/- usually) before filling the details under IGR site

At the End of the post, I have added the suggestions/inputs we have got from the readers. (Section “Readers Digest“)

Filling procedure/steps on IGR website

igr

 

  1. Go to IGR website Click Here
  2. Under “Online Facilities”, click on “Public Data Entry For Filing
  3. A page “Department of Registration & Stamps” will be opened (in same window or a new tab)
  4. Scroll down till you see the button “Start Filing New Entry”, and click on it
  5. A user registration/ login page will appear
  6. Create a user (like name_surname etc), create a password (Note down the username and password immediately)
  7. Enter the details shown in captcha and click “Start Data Entry
  8. Following page will be opened:
  9. Provide “Date Of Mortgage” and click “Start Filing Entry”
  10. You will be on ‘Mortgagee Details’ tab on the page (your tab will be yellow)
  11. Select/Enter the bank details and click save
  12. On the Right hand side top, you will see a Token number like Token No is :9992001140509
  13. Note down this number because this is what you will need to relogin to your form. THIS IS VERY IMPORTANT
  14. After saving, the entry of the Bank will appear at the bottom of the page. If you want to edit the details then click on “Select” button beside the entry
  15. Click close when you are done with saving bank details
  16. Now you will be on ‘Mortgager Details’ tab
  17. Fill your personal details and Save the details, click close
  18. Enter he property details which you have mortgaged and click save and close
  19. Now you will be on ‘Payment Details’ tab
  20. Select the ‘Stamp duty’ radio button and fill the receipt details
  21. Select the ‘Filing Fees’ button and fill the details of filing fees. Now here is the important point to make a payment towards filing fees. Save all the above work and logout/ you can pay the filing fees before starting all the above process. Scroll down to see the process of paying filing fees
  22. After filling the payment details, save the form and click View Notice.
  23. Check the details you provided and take a print of it. See the intimation form example at the end of post
  24. Affix your photo (In case of joint applicants, affix photos of both of you)
  25. Make a thumb Impression against respective name(s)
  26. Take this copy to Bank/Financial institution and get it signed and stamped
  27. Go to the sub registrar office and submit the documents listed in the section “What All documents you need to submit?”
  28. They will take a day/two and give a receipt to you. See the intimation receipt example at the end of post

 

Pay the FILING FEES online (Procedure/Steps)

The filing fees can be paid online. Following is the procedure for the same:

GRAS

1.   Go to IGR website
2.   Under ‘Important Links’, click ePayment (GRAS)
3.   This will take you to Government Receipt Accounting System site
4.   Under ‘Categories’, select ‘Pay Without Registration
5.   Select ‘Payment mode’ as ‘ePayment’
6.   For ‘Department’ select ‘Inspector General Of Registration’
7.   For ‘Payment Type’ select ‘Registration Fees’
8.   For scheme name, ‘Ordinary Collections IGR’ will be populated automatically
9.   Select ‘District’, Select Office Name nearest to you
10. Select Period and ‘One Time/Adhoc’ against period
11.  Enter amount to pay (Rs.1000/- in case of filing fees here)
12.  Select Bank from which you are going to make a payment
13.  On top, you will see ‘Article Code’, select ‘Agreement Relating to Deposit Of Title Deed’
14.  On Right Hand Side, Fill your name, and property details and your PAN number
15.  Enter the Bank name for ‘Party name 2’
16.  Click ‘Submit’. You will get a pop-up with a number like “MH001236459201314E”. Make a note of this number. Make the payment
17.  Once the payment is done, you will get a receipt page. Save this receipt and take a print of this receipt. This is called ‘eChallan’ See the eChallan example at the end of post.

Mortgage Intimation of Deposit of title deed

IntimationForm

 

Mortgage Intimation of Deposit of title deed

echallan

 

Mortgage Intimation of Deposit of title deed

“Mortgage Intimation Receipt”

 

Plese leave a comment if you found this post useful

Mortgage Intimation of Deposit of title deed

Readers Digest:

Here are some inputs from the readers. Thank you so much for adding to the post with your valuable inputs:

1] From ‘Manoj Manchekar’

My experience added a few things.
I filed my notice in Ulhasnagar-2 in Thane
They asked :
1) Receipt for purchase of Rs.100 stamp paper which the stamp vendor normally doesn’t provide. But if you purchase stamp paper from stamp vendor nearby SRO he will provide.
2) Stamp paper should have seal, sign of bank
3) Receipt for payment of stamp duty which is generally paid by franking on MEMORANDUM. If you provide copy it should be certified as true copy by the bank.

copy of Index-II and receipt for registration of documents should also be got certified as true copy from the bank.

I think this may be required in all SRO.
If you cross-check it and add to your document list will be helpful to other readers.

2] From ‘The Blogger’

I would like to add to information:

Either purchase stamp paper of 100 /- Or generate eChallan for the same.

Steps to generate eChallan for 100/- (i.e. it is as good as purchasing stamp online)

1. Go to: https://gras.mahakosh.gov.in/echallan/
2. Click on ‘Pay Without Registration’ on left side of page
3. Article Code = “6(1)-AGREEMENT RELATING TO DEPOSIT OF TITLE DEED”
4. Select Department = “INSPECTOR GENERAL OF REGISTRATION”
5. Select Payment Type = “NON-JUDICIAL CUSTOMER-DIRECT PAYMENT”
6. Select Scheme Name = “(00300464) – SALE OF NONJUDICIAL STAMPS IGR REST OF MAHA”
7. Select District =
8. Select Office Name =
9. Add amount as 100/-
10. Update details on right side of page
11. Select bank and pay amount
12. Take print of eChallan and enclose it to the application form as Stamp paper.

160 thoughts on “Mortgage Intimation of Deposit of title deed

    1. Administrator Post author

      If there are co-applicants for the loan then you need to fill in the details of co-applicants in the intimation form.

      1. ANSHUL GUPTA

        i have the same query

        my wife is the first applicant and me as second
        we got the intimation form from bank
        but i just want to confirm
        we need to put both names ( first mortgagor second mortgagor) in the name section in challan or my wife name will only work out in this case.

        and can i make the payment through my state bank account ?

  1. Pankaj

    Thank You Manish. This article covered each step of the process. It was very helpful to me. I was stuck at Filing Fee challan, because GRAS site has lot many confusing options. Thanks a Lot… 🙂 

  2. Nitin

    Hi Manish,

    This was very helpful, thanks a lot.
    Where I can get the Mortgage date ?
    is it the date on which the loan was disbursed.., please mail at nitin.bajaj.in@gmail.com.

    I am stuck, please mail me soon.

    Thanks
    Nitin Bajaj

    1. Administrator Post author

      Hi Nitin,
      You will get the mortgage date on bank agreement letter. Mostly it is the date on which loan is disbursed. Your bank can give the exact date.

      K Manish

  3. Arvind Mohan

    Hi Manish,
    Excellent info.. I also have to file the e-challan and data entry for my Home loan transfer from Axis to SBI. I have one question, during e-challan filling, do we have to select the same Haveli, where property registration was done.. As SBI people have asked me to submit all the document and challan copy etc to Kothrud Haveli 21&22. But my Property registration was done at the Haveli 6, Hadapser. I am bit confused which one to select there while filling e-challan. Please help me.

    The other question I have is what to fill in the consideration amount field. Is it the Loan amount or something else??

    Thanks
    Arvind Mohan

    1. Administrator Post author

      Hi Arvind,
      The answer to your first question is: You can file mortgage intimation at any sub-registrar office, irrespective of where you have done your registration (within the city). Mortgage intimation can be done at your nearest sub-registrar office.

      About the second question: To the best of my knowledge, the consideration amount is the loan amount which will later appear on the mortgage filing receipt. I suggest to re-confirm this with more sources.
      Hope this information helps you.

      k manish

  4. harshey

    Very useful information.
    However, experience of IGR site was poor – I had to create a login profile 3 times before I could successfully fill all information.

    The worst part is the bank – SBI has no idea how to go about data entry, while private banks have a terminal from where they help customers with the data entry. SBI has no customer focus at all

  5. Anonymus

    Hi,
    Thanks alot for writing all the instructions, I was also struggling like you while going through the process but the difference is found your such well explained blog.
    Thanks Again 🙂

  6. Sachin

    HI Manish,

    I need help in above process, as VVCMC people are just sending me from pillar to post.

    Your number or email id would be of great help.

    Regards.

    Sachin Pathak

  7. vaibhav

    Mr KManish, Thank you so much for this blog!
    I would had been lost without this. You are a life saver.
    Cheers to you mate!

  8. Satish

    Hi Manish I read your blog on Mortgage Intimation of Deposit of title deed. It was quite helpful and I really want to thank you for it. I tried to enter in the comments section of that blog, but got an exception. Thanks again, Satish Ahuja

  9. Nilesh

    Hi Manish, Thanks for the NOI blog. It helped me a lot to know the steps else I was running around the bushes to know the process. As you have mentioned it is not that complicated to execute this. Thanks once again for the blog.

  10. karthik

    What has to be done with Rs 100 Stamp paper.
    Where is it supposed to be use.
    Has anything to be typed on it?

      1. Administrator Post author

        on the stamp paper u just need to write ‘intimation of mortgage’ thats it. u will get it from a stamp vendor.

  11. Sandesh

    Hi manish,

    This is really an excellent information.

    I have only one question here. What needs to be written on the 100 rs stamp paper.

    If could send me the details in email, i will really appreciate.

    Please send me your email ID or phone number

    Regards,
    SK

    1. Administrator Post author

      On the 100 rupees stamp paper u just need to write ” intimation of mortgage”.
      Thats it

  12. Girish

    Question: My bank mortgage date is 28-Mar-2014 i.e. almost at the end of the last financial year. On gras.mahakosh.gov.in, while performing e-payment, what financial year should be selected in my case? …Annexure-1 on igr website, suggests to fill in the Current Financial Year. However in my case, both the Registration of the apartment and the Bank Mortage date fall in previous Financial year (i.e. 2013-2014). Should I select 2013-2014 or should I select 2014-2015? 🙂

    Thanks in advance and Thanks for documenting the process. Its indeed a life-saver especially for those who have availed loans from SBI !

    1. Administrator Post author

      Hi Girish,
      I am not really sure about the answer.
      But logically this is the period in which you are paying the Filing fees, which means the current period 2014-2015
      Hope this helps.

  13. Vinod

    Hi Manish,

    Thanks alot for the nice article!

    I have followed your instruction and filled the forms on the website but when I clicked on view notice button I am getting message “Please Pay Stampduty”. Could you please guide me

    Thanks & Regards!
    Vinod

    1. Administrator Post author

      Hi Vinod,
      Thanks for your comment.
      Your bank might have paid the stamp duty of rupees 8800~. They might have given u a copy of it. It has a number on it.
      While fillibg the details on igr website, u have to provide the number of stamp duty paid. This is in the section where u fill the filing fees details. Fill the stamp duty details and its done!
      Hope this helps

      1. Vinod

        Thank you Manish for your fast response.

        I do not remember the bank person who had disburse I given me the stamp duty receipt. only he has given MOD, Final disburement advice and list of original documents collected from us. I will check with bank tomorrow morning during the office hours.

        Thank you once again for your kind help!

        Thanks
        Vinod

  14. Anjana

    Thank you for providing the information!

    We are trying to pay NOI using gras.mahakosh.gov.in. Please let me know the Payment Type, Scheme Name, Article code
    for paying 100 rs through online

    Thanks in advance!

    1. Administrator Post author

      Hi,
      Are you speaking about paying Rs.1000.00? In that case it is already explained in the section “Pay the FILING FEES online (Procedure/Steps)”. The Payment Type, Scheme Name, Article code etc is detailed out in the blog itself.
      Hope this helps!

  15. manoj manchekar

    Dear Manish,
    Thanks for your step-by-step information which helped me so much.
    My experience added a few things.
    I filed my notice in Ulhasnagar-2 in Thane
    They asked :
    1) Receipt for purchase of Rs.100 stamp paper which the stamp vendor normally doesn’t provide. But if you purchase stamp paper from stamp vendor nearby SRO he will provide.
    2) Stamp paper should have seal, sign of bank
    3) Receipt for payment of stamp duty which is generally paid by franking on MEMORANDUM. If you provide copy it should be certified as true copy by the bank.

    copy of Index-II and receipt for registration of documents should also be got certified as true copy from the bank.

    I think this may be required in all SRO.
    If you cross-check it and add to your document list will be helpful to other readers.
    Thanks & Regards
    Manoj Manchekar

    1. Administrator Post author

      Manoj thanks for adding the info.. Appreciate it. I will soon append it to the post.

  16. Blogger

    Thank you Mr. Manish for providing detailed useful information. It has saved lot of time and money.

    I would like to add to information:

    Either purchase stamp paper of 100 /- Or generate eChallan for the same.

    Steps to generate eChallan for 100/- (i.e. it is as good as purchasing stamp online)

    1. Go to: https://gras.mahakosh.gov.in/echallan/
    2. Click on ‘Pay Without Registration’ on left side of page
    3. Article Code = “6(1)-AGREEMENT RELATING TO DEPOSIT OF TITLE DEED”
    4. Select Department = “INSPECTOR GENERAL OF REGISTRATION”
    5. Select Payment Type = “NON-JUDICIAL CUSTOMER-DIRECT PAYMENT”
    6. Select Scheme Name = “(00300464) – SALE OF NONJUDICIAL STAMPS IGR REST OF MAHA”
    7. Select District =
    8. Select Office Name =
    9. Add amount as 100/-
    10. Update details on right side of page
    11. Select bank and pay amount
    12. Take print of eChallan and enclose it to the application form as Stamp paper.

    1. Administrator Post author

      Thank you for the information you provided. I will add it to readers digest section so that other readres can consume it.

  17. amit

    Mortgage intimation of deposit of title deed.
    1000 rs.
    My due date is 18 March 2014.
    Now I what to do.

  18. pallavi

    Hi Manish,
    I have one query regarding
    “Mortgage Intimation of Deposit of title deed, Notice of intimation, Registration of equitable Mortgage Deed”
    Please help me to sort out below mentioned query.
    My due date was 18 th March. That date has been passed. To complete this procedure what I need to do.
    Is there any penalty for this,?

    1. Administrator Post author

      If you have crossed the due date , then as fas as my knowledge you have to pay a penalty of 30,000.00 rupees. They does not see how late you are.
      i am not aware of the procedure of paying the penalty. the nearest SRO (sub registrar) can help you ahead or the bank can help.

  19. Rajesh S

    I am resident of Mumbai and bought the property in Nagpur. Do I need to be present myself (owner) to submit these documents or can someone else handover the documents at the office?

    1. Administrator Post author

      you need not have to be present to submit the documents. somebody else can submit on your behalf.

    1. Administrator Post author

      It is good to submit the receipt to the bank. If not then you can submit when the bank asks for it.

  20. vijay

    hi manish u r great work & help .i am vijay my problem is i online genrate 1000 rs online challan paid & challan is all right but some sirname spaling nominal mistake so kya woh challan chalega ki nahi pls help me ? or new challan genrate &what is the proceess the refund 1000 rs

    1. Admin Post author

      Hi Vijay,
      I did not face the issue which u have faced. so it is not good to comment on this.
      I suggest u to speak to the sub-registrar for the solution. They will help u for sure.

  21. Nagendra

    Hi,

    Wanted to know how to get refund of challan MTR Form Number 6. I submitted to my near by idbi bank thru cash of 1000. But unfortunately register didnt except this challan because of different office name. Now I wanted to know how to get the refund of my 1000rs.

    Thx in advance

    1. Admin Post author

      Hi,
      I am really not aware of how to get a refund of this.
      I suggest you to approach the bank towards which you have paid the amount, with the original receipt (soft copy and print out) and share the information with them. They should help you with the solution.

    2. Dharmendra

      I had also made the same mistake of paying registration fee Rs. 1000 at different Registrar office. As per blog info nearest office is mentioned however it should be the nearest registrar office. Registrar office told me to deface challan from wrongly paid location then they will accept. Hope this helps for readers and thanks for admin for creating such wonderful detailed blog. The process is pretty simple and as mentioned many readers everyone can save money if process is followed properly.
      Thanks once again!

      1. Shobha Dilip

        I paid Rs. 1000 as under head “stamp duty “as “sale of non judical stamps” which they didnt accept. I made new one. Rs. 1000 should be under Registration fee and Rs. 100 under Stamp duty. I asked them for refund process, as I registered at Ambernath, they said to claim refund I need to apply at Collector Office Thane

  22. subhash

    Thank You Manish, article is very useful.
    Please provide me answers for following questions

    1. I am out of country and Power of Attorney is already with my parents. Now if I want to do “Mortgage Intimation of Deposit of title deed” whose details will go in ‘Mortgagor details’ page mine or my fathers? I guess it should go like my name thru POA my father’s name but how can I do that. Do you know anything about check box ‘is Presentor’ on ‘Mortgagor Details’ page?

    2. I had purchased property in WAKAD Pune but on ‘Property Details’ page after selecting Taluka ‘Mulashi’ I am not seeing any village name ‘Wakad’ in dropbox. Is I am selecting right option.

    3. Can we file “Mortgage Intimation of Deposit of title deed” in any haveli , agen told me that we need to file in same haveli where Registration was done.

    Thanks in Advance

  23. rajesh

    Hi,
    In my case stampDuty is paid by SBI through eSBTR and then franking is done on Rs 100 Stamp.
    I am strugling to add StampDuty information with franking details on igr website can someone help me with adding stampDuty with franking details.
    I tried by option eSBTR but not able to add stationary details as its not editable but Mandatory field.
    Also where should I find the Franking serial number and franking amount?
    is franking amount is same as stampDuty amount?

    1. vijay

      franking serial no & franking amount is show (memoradam of deposit ) page
      PB NO :
      Siral No : 5 digit Or 6 digit on top
      date of franking is right side

      plz cheked memoradeam of deposit page all detail avalable on this page

  24. Sanket

    Hey Manish,
    Thanks a lot for the Blog..!!
    It saved my Rs.2000, just followed steps mentioned by you.
    It was simple… Thanks once again..!!

  25. Nitin

    Hi Manish,
    Thanks for this blog, this is helping lot of people.
    In case I switch my loan from one bank to other, do I have to go through the whole process again and pay the charges again.

    Thanks
    Nitin
    nitin.bajaj.in@gmail.com

  26. Jiya Ul Haque

    Hi ,
    While following steps, on the property details tab, when i click on save, it says “Property Details Not Added”. There does not appear any record at the bottom like unlike other tabs.

    Please help me out here.

  27. Rajat

    I had purchased property in WAKAD Pune but on ‘Property Details’ page after selecting Taluka ‘Mulashi’ I am not seeing any village name ‘Wakad’ in dropbox. Is I am selecting right option.

    Is it fine if i select Mulashi Khurd as VILLAGE.
    Please advice.

    1. Admin Post author

      if you are not able to see the option in dropdown, then you can write it in the field provided. it is permissible to write it over there.

      thanks.

      1. Siddhesh

        I think there is an issue with the site, the Taluka – Village mapping in the Property details Tab is wrong. Under Taluka Mulashi i cannot find Tathawde as well as Wakad.
        But the same can be found if we select the Taluka as Haveli- which is strange and wrong. Also there is no free text field for Taluka/ Village to add in your own village name as suggested by you above.
        How have the others resolved this please???

    2. Utsav

      Hi,

      For anyone else who is facing this issue (I also faced it) — You should select the Taluka as Haveli and then you will see something called as “Vakad”. This is the correct one

      thanks,
      Utsav

  28. Chander Laljani

    Hi,

    It was very useful information, I completed process on my own and saved arond 2000 bucks…

    Thanks.. 🙂

  29. Gunwant

    Dear Sir ,
    I just wanted to know my registration was done in haveli 11 and i want to submit the Notice of intimation .can i do this in the other haveli office ot it has to be done in haveli 11 only

    Gunwant

    1. Admin Post author

      hi gunvant,
      you can do mortgage intimation at any haveli.

      hope it helps you.

      1. Gunwant

        During making payment for 1000 Rs is it mandatroy to select the same haveli office in which we are going to submit the document or we need to selce the haveli office where registration is done

  30. Ravi

    My 30 days period for IGR is over. How to issue a IGR now- do I have to pay some penalty?

    1. Admin Post author

      Hi,
      I have not faced such an issue. but go through the comments section. some users have mentioned about this.
      the registrar can give more insight on this problem.

  31. ravindra

    Hi Manish,

    Thank you so much for providing this information, it helped me a lot while filling the form.

    I have one question.

    As you mentioned in reader’s digest, that instead of buying a stamp paper, I can generate a echallan of Rs. 100 using gras.mahakosh site, I did the same. But the question is, do I need to mention about this echallan of Stamp paper(Rs. 100) on the “Payment Details” page or just need to attach the copy of the echallan to my form instead of mentioning it in payment details?

    Please confirm.

    Thanks

    1. Admin Post author

      hi,
      as mentioned, this process was followed by some reader. logically the details has not be filled in the form. you can just submit the challan while submitting the form to the registrar.

  32. Hasmukh Shah

    Hi,

    Do we need to book the slot for registrar office before going to submit the documents for notice of intimation?

    Thanks in advance

    Hasmukh Shah

      1. Hasmukh Shah

        Hi Manish,

        In my agreement my Mom is the co applicant and my Mom is planning to visit the SRO office to submit the documents. I have query that the challan of stamp duty and filling fees which i have paid is all on my name. So will it work out or it the challan should be on his name?
        please advice.

        Thanks in advance

          1. Hasmukh Shah

            Hi Manish,

            Sorry to ask multiple question,

            1. My property is in Vasai and i have paid the stamp duty and registration fees of flat in S.R. vasai 1, I had google and found the 3 SR office under Vasai, SR vasai 1, Joint S R Vasai 2 and Joint SR Vasai 3. Now after filling and submiting the online IGR form it dispalyed “visit to Joint S.R. vasai 3” but I have paid the efiling fees on the name of SR Vasai 1, so will other registrar office (i.e. Joint S R Vasai 2 or Joint SR Vasai 3) accept the efilling fees challan on the name of SR vasai 1 and documents and which office i need to visit?

            Thanks in Advance

  33. Ashish

    Hi, this is great info. Could you please help me with the screenshot of page that would open in step 8 of the IGR Filling procedure? Because I do not get the same option as you stated in step 9. Please help.

  34. Bhushan Pawar

    Hello sir,
    What will happen i have not filled notice of intimation on time because of some problems what are the way out. Will bank take action against me on my loan or government.

    Now i m really worried what will happen.

    Thanks
    Bhushan.

  35. Jitendra

    Hi Manish,
    Thanks a lot for detailed information. Even Bank people do not have info to this extent.
    I have just one query before I start the procedure.
    I have taken two loans from HDFC for purchasing two adjacent plots. Based on FAQ (Q11):
    http://igrmaharashtra.gov.in/writedata/PDF/FAQregardingfilingofnotices.pdf
    I can file single deed as both plots are in same location. But HDFC is asking to submit two separate intimations as they are different loans.
    Do you have any additional information on this?

    Thanks once again for great info.

      1. Jitendra

        Hi Manish,
        As stamp duty is paid separately, the intimation also has to be separate.

        Thanks once again.

        Regards,
        Jitendra

  36. Reshma

    Hi Manish,

    Thank you very much for putting the procedure up in such a detailed and simplified manner. Following the instructions I was able to pay the Stamp Duty as well as the Filing Fees from the comforts of my home and without having to pay a broker. Thanks a ton. God Bless!

  37. Paras

    Dear Manish,

    Thanks for sharing wonderful infomation on NoI filing.

    We have got one query. Me and my wife have taken a joint loan from Citibank (Balance transfer).
    As advised by banker, I had done the online data entry in my name only.
    However to my surpise, after online data entry when I got the Intimation form, my name was mentioned twice as mortgagor.
    My banker is advising me to stick, mine as well as wife’s photo on Intimation form.
    Will that be correct?

    Also I could not do the online payment for filing as I didnt have bank account with any of the listed banks. So I did payment over the counter at Bank of Maharashtra. Following is the process for the same>
    1). Select payment across bank counter
    2). Remaining process same as online
    3). Once you fill up all required data, a challan will be generated. You need to verify and save that Challan.
    4). Carry a print out of that challan to bank and alongwith Rs 1000 submit this challan.
    5). Bank will take one day to give you new challan. (Bank of Maharashtra gave in one day)
    6). On the new challan “Bank CIN Ref No. would be mentioned. This number has to be inserted in the “Payment Details” tab of Online Data Entry. Then continue with the step number 22 mentioned in “Filling procedure/steps on IGR website”

    Thanks
    Paras

    1. Admin Post author

      hi paras,
      as the bank mentioned, you need to fill the form with the details of your spouse as well, as she is the co-applicant.
      and thanks for the information of payment. i will add it to the readers digest to help other folks.

  38. Ramesh

    Hi Manish,

    Firstly I would like to thank you for this excellent work. Your guide has help me in doing this stuff myself online truly appreciate your work.

    I have got one issue: While I submitted all the details onlien and also took the print of title deed but I am stuck at echallan.

    Despite making online payment through sbi bank I havent got h echallan from gras website. Whenever I try to get the challan the website ask me to verify the CIN number from bank. But I have not got any CIN number neither its updated on gras website from bank. But the payment has been made succesfully.

    Please help!

    Thanks!

  39. jitendra

    Hi Manish,

    I am trying to generate echallan of Rs.100 to complete the process of intimation of mortage.
    I am not able to understand what should I fill in party Name. Should I put the name of Bank providing the loan or should I put the builder’s name ?

    Many thanks for help.

  40. Bhasker Shandilya

    Hii
    Any one please help me
    I have generated notice of intimation and have tried to submit all the documents along with notice of intimation with registrar but they are saying its only data entry I have to submit original notice of intimation ..they are saying that bank will provide me the same but banks officials are saying that they have already given all the documents

    Please advice on this urgently

  41. Ranjit

    I completed all procedure for loan intimation on igrmaharashtra website & submitted to SRO
    But i couldn’t see print option..
    How can i take printout of notice of intimation??

  42. Rajesh

    I failed to register letter of intimation in 30 days….now they charging me around 40000. I asked bank to recreate the mordgage but they refuse to do, even though I am paying 0.2% of loan amount as registration fee. 40000 is very big amount and what if I transferred the loan to other bank then that time new bank will create morgage again? And old mordgage will lapse? Please help me if some body aware of.

  43. Ashutosh

    Hi,

    I had my home loan from HDFC in the year 2009 and now I have taken a top up loan on the same property. HDFC has asked me to do the process above. But my question is:
    1. Why I need to do the registration as the objective of this is avoid me taking a loan from other bank for the same property. But how is that possible for a top up loan. As the original documents are with the bank itself.
    2. Even if I have to still do it can someone guide me on how to do it for the top up loan. As there the same may not apply

  44. vijay tiwari

    Hello sir,

    Thanks for the detailed information.

    Can u please tell me on how to prepare memrandum?

    Even my bank agent does not know about this and i am unable to complete the process without it..

    Also do provide a copy of memorandum if you can..

    Thnks in advance

  45. Tauceef Sheikh

    Hi Manish,

    Thanks for your post it helps me a lot for doing things on my own.

    I have few queries:
    1) while filling the Property details their they have Property Type, what should I select in it( I have bought a flat with open parking )? should it be building+open or what?
    If I select building+open then do I have to give the size of Parking area?

    2) when I entered the Payment details, I see one entry extra in it of Rs.300, but when I click on view notice I don’t find that entry. I have not added that details. Should I left it like that or I need to delete that entry?

    3) while applying for loan bank has offered the interest rate @ 10.25% and same is mentioned in my loan letter but when I was completing the formalities for disbursement it came down to 10.15%. which one should I enter in the filing form?

    Waiting for your response.

    Thanks & Regards,
    Tauceef

    1. Tauceef Sheikh

      Sorry, just saw again, I can see that Rs.300 entry in the notice in the same row of Rs.1000 of Filing fee, please let me know if it’s fine or do I need to delete that entry from the form?

      Regards,
      Tauceef

  46. niladri sen

    I failed to register letter of intimation in 30 days as I was out of station….what is the process to recreate the mortgage again. Bank has very limited information and are unable to help, they have asked me to pay 0.2% of loan amount to sort out the issue but why such huge penalty. Please help me if some one is aware of the solution.

  47. Nandkishor Nishad

    1. I have done e-filling following the steps mentioned above that was real helpful article (i paid 1000 Rs)
    2. Bank has done franking and notary of my all required documents
    3. I have taken printout of the e-challan and i am awaiting to get rest of document from the bank
    4. Whats the next step, do i need to take 100 Rs stampaper as well ? OR e-challan reciept as mentioned above
    5. What will be my next step? I have to do data entry also.

    Please suggest

  48. Vikas Sonar

    I recently was trying to google the steps required for mortgage intimation registration but I could not find it anywhere except this blog. I followed the steps mentioned in this blog and could easily complete the procedure without any issue.
    Thanks Manish for putting the efforts in helping others. You are saving someone’s at least Rs. 1500/- if he/she goes through your blog.

  49. Trupti S

    Dear sir,

    I had a mistake, while filling my registration & stamp duty form (e-SBTR), i.e.., I had entered my name as satish u salunkhe instead of Ashish u Salunkhe no. Bank is already given e-SBTR. PAN card no and flat no and address everything is correct.

    I have already discussed with my property people, they said there are two possible options
    1) Refund Option (which will take 6 months)
    2) While doing Registration of propery in index 2 add a clause as in stamp duty paper this name should be Ashish u salunkhe instead of Satish u salunkhe.

    Still the registration is not done.

    Will it solve my problem.Will in future I am able to sale property without any litigation.what about light bills and water bill society formation will be done in correct name or not.
    Yet present I am in confusion state and guide me what need to do…..

    Regards
    trupti

  50. Shadab Shaikh

    Please help me I am following the same process as mentioned in the post. But strangely the Article Code box is always blank.

    I tried to fill the form from multiple browsers and different computers but still the result is same Article Code box is blank it does not have any values in it because of this I am not able to complete the process

  51. Shadab Shaikh

    Please help me out I am following the same process as mentioned in the blog but strangely the Article Code box is always empty.
    I tried from different browsers and computers but the result is same. The Article Code box is empty because of this I am not able to complete the process.

    Please help me out all the help is appreciated.

    1. Rushikesh

      No worries. you just need to put the party details that will do.
      Finally important part is you pay the fees.

  52. Anshul

    Hi,

    I’m staying in Mumbai and has bought property in Pune.
    I want to know can I buy and use STAMP PAPER in Mumbai for the purpose this home loan registration in Pune. Or is there any restriction like Stamp Paper should be bought from the vendor/office where property is??

    Please reply. URGENT !!

    1. Admin Post author

      You can buy the stamp paper anywhere. Even some readers mentioned that they have paid the stamp paper amount online on the GRAS website, though I am unaware of the procedure. You may get some help from the comments if someone has dropped the procedure.

  53. Prakash

    If there is any data entry error post printing of notice of intimation, is it possible to amend it and do correction and take fresh print out of corrected form? Please advice.

  54. shilpa Mehta

    Thanks and informative.. Keep up the good work… Really appreciate your gesture of having public information.. To put it in proper perspective I Was not able to grasp the notice in marathi put up at the SR place… Your article was of very good help…

  55. Vaibhav

    Good n helful info shared by Admin.. I would like to share . if due date crossed there is option for againe we have to pay Frankie amount. so bank will extain onother 30 days.

  56. Prashant Shinde

    Hello,
    While efiling the ‘Article code’ data is not populating.
    Did you faced the same issue??
    Regards,
    Prashant.

    1. Admin Post author

      I did not face an issue like that. It was long ago i filed it. The website seems to be changed a lot from then

      1. pushpak

        Hi Sir/Mam,

        I am facing a issue in the website. I want to create a e challan for “Notice of intimation for mortgage by deposit of title deeds”. I am following below link.
        https://gras.mahakosh.gov.in/echallan/frmIndex.php

        Issue is there is no option to select Article code(Drop down is empty). According to instruction given to me I need to select Article code as “6(1) Agreement relating to deposit of Deposit of title deed”

        Please help me

  57. Hemlata

    Thanks for your website containing major details.

    “within 30 days from the date of mortgage” whether date on cheque disbursed will be considered for calculation of 30 days and whether 30 days will be counted working days.

    Please reply.
    Thanks,
    Hemlata

  58. Hemlata

    Hi,
    Thanks for your website. It is really helpful.
    I have filed through Agent but I was not required to sign any form but supportings were provided.
    Can you please guide whether agent has filed or not can it be checked from Registrar website. Further, what proof of filing I need to collect from Agent.

    Request you to please reply.
    Thanks.
    Hemlata

    1. Admin Post author

      There will be a receipt from the registrar office which you get after submitting the form.

  59. Prathamesh

    Hey, I did a mistake in payment.. I paid Rs.1000 for stamp paper instead of Filing fees in E-Challan.

    I haven’t proceeded yet with any process apart from this payment.
    Can I get a refund of my fees. I need to start afresh with the procedure. Please help me out.

    Also if not refunded, will this wrongly generated receipt gv me trouble ahead.

  60. Purva Tiwari

    Hi Manish ,

    Thanks for the Blog . It helped me a lot in understanding the Procedure of NOI.
    But I have one doubt , I am staying in Delhi and purchased a house in Pune. After doing the efilling, Is it Mandatory to physically present at the Registrar office to complete the rest of the process .

    Thanks ,
    Purva

  61. sachin khamkar

    NOTICE FOR INTIMATION OF MORTGAGE (main transferred loan) BID NOT REGISTERED WITH IN STIPULATED PERIOD OF 30 DAYS BECAUSE OF i AM WORKING IN WEST BENGAL & SRO in Pune.

    second thing I have taken top up loan on same property , I have time for this notice of intimation of mortgage with stipulated period ( of 30 days)

    can I made single one registration ( there is no Objection form NBFC ) w. r. t. new date.

    give me solution how to proceed

  62. sanil

    Hi,

    Thanks for the info.

    What should be selected for the date of mortgage?.

    I have done my registration but sale deed is yet to be done. On my first disbursment, Bank asked me to get this done within 30 days.
    Please help

  63. praveen rao

    The field ‘Article Code’ is populated blank. Please let me know can i proceed with the payment with
    blank Article Code.

    Please find my input details as below.

    Department: Inspector General of Registration
    Payment Type: Registration Fees
    District: Pune
    Office Name: Haveli 17
    Scheme Name: Ordinary Collections IGR
    Period Year: 2015-16 One Time/Adhoc

    Please help me in this issue. Thanks.

    1. pushpak

      Hi Sir/Mam,

      I am facing a issue in the website. I want to create a e challan for “Notice of intimation for mortgage by deposit of title deeds”. I am following below link.
      https://gras.mahakosh.gov.in/echallan/frmIndex.php

      Issue is there is no option to select Article code(Drop down is empty). According to instruction given to me I need to select Article code as “6(1) Agreement relating to deposit of Deposit of title deed”

      Please help me 8956118223

  64. Jaydeep SIngh

    Hello Sir,

    Thanks for such a comprehensive article. I have one question here.

    I have done the agreement where I have made my wife as co-applicant.
    Do I need to add my wife name also in “mortgagor details” section while doing data entry for Intimation of mortgage.

    1. Yogesh

      Yes. You have to. If you are prime applicant, your name will come first and her name will come second.

    2. Yogesh

      Yes. As per my knowledge, all the applicant’s name (which are there in the agreement) should come in the data entry.

  65. Pingback: List Of Banks In Mumbai Doing Franking | the bank index

  66. hitesh

    i am unable to find any option in article code after filling all the details. please help me out to resolve this.

  67. Manoj Ahuja

    Hi, I need an Agent for the Mortgage Deed process completion as I have transferred from SBI to HDFC. I live in Malad and my Property is in Badlapur West. Does anyone know of any good agents who charges reasonable fees for the same?

  68. Amit

    Thanks Manish for such a descriptive post.
    The images that you posted, helped me to cross check at each step and confirm whether I have got the right receipt or not.
    There is absolutely no need to go to an agent and spend 2.5 to 3 thousand rupees.
    – Amit

  69. finan

    I am a private loan lender which have all take to be a genuine lender i give out the best loan to my client at a very convenient rate.The interest rate of this loan is 3%.i give out loan to public and private individuals.the maximum amount i give out in this loan is $1,000,000.00 USD why the minimum amount i give out is 5000.for more information contact us email finance2014911@gmail.com

    Your Full Details:
    Full Name :………
    Country :………….
    state:………….
    Sex :………….
    Address…………
    Tel :………….
    Occupation :……..
    Amount Required :…………
    Purpose of the Loan :……..
    Loan Duration :…………
    Phone Number :………
    Contact email: finance2014911@gmail.com

  70. Prashant

    Hi Sir,

    We have the same issue as 2 users above. we have purchased a flat in Wakad, Pune which is in Taluka Mulashi. But when we select Taluka as Mulashi, we could not find Wakad or Mouje Wakad in it. Also, since this field is mandatory, do we need to select something? Also, can we use white ink later to hide and overwrite Wakad in it? Please help Sir.

  71. Mansi

    Hi,
    I purchased a flat in Dombivli last year and failed to process this Mortgage Intimation of the deed. Now the 30 days have passed and I was informed by a colleague during a discussion. I have 2 queries –
    1) Can the penalty amount be waived off considering the bank also never asked for the papers?

    2) If not, can you please provide a detailed process of how to do it post 30 days?

    Thanks in advance.

  72. prabhat kiran

    Sir can we cross check the SRO Noting pavti for equitable Mortgage on any website

  73. Kiran

    Thanks for the article. Ih helped me immensely to complete the online notice of intimation process. I was calling here & there and agents for help and money they will charge for the job. But doing job by own gives confidence and satisfaction and less of doubt in future as many agents fill many information blank / wrong/ in-correct.

  74. Vineet

    Hi Manish,

    Post completion of the entire process, the website showed me a list of 3 registrar offices where i can go along with days/slots available (which are far from my place). Is it mandatory to submit to only offices out of this list or we can submit it to any sr office nearby. appreciate your help in this regard.

  75. Pravin Kumbhar

    Hi,

    I am getting below message while trying to submit data

    You can not upload Document, Mortgage date should not greater than current date.

    I have delayed my IGR process.

    Kindly need assistance.

  76. Yogesh

    Thanks for this blog. Really helpful.

    One thing I would like to mention. The for doing notice of initimation of mortgage, you will require the mortgage details like the date of mortgage, mortgage amount, mortgage number etc. So take a photo copy of mortgage that you do while taking loan. The 30 days deadline for filing this notice starts from the date of mortgage and not from the date of loan disbursement.

  77. Ajay

    I want to understand further about notice of intimation as I failed to file it within 30 days. I had completed all the procedures and documentations on 28th day and went to registrar office which was closed (last Saturday of the month).

    Today (31st day), I went to registrar office and the officer denied to accept the document and asked to get dates extended from HDFC limited. Is there any procedure to get the dates extended? If not, then can you advise alternative procedure please. All the documents are ready with me.

  78. Yogesh

    Its individual’s call whether to do it by yourself or outsource it. Just sharing my own experience.Tried to do it by myself, but there seems to be lot of issues in the website when you try to do that. Most of the times it doesn’t take dates of the e-challan properly. So the final notice has some wrong dates. Better handover it to the person who takes some small amount and do it correct for us. They do this daily so know what goes wrong where and how to correct it. Saves lot of time and headache. 100 rs echallan is another headache as its not sufficient to take echallan but you need to make entry of this echallan(challan number, date etc) and that should be visible in the final notice (this is as per the person who collected my documents at the subregistrar office). So there are many things for which you might be sent back by that person.

  79. Abhinav Ganguly

    HI,

    Do on need to get this deed letter every time one gets disbursement cheque?
    Im asking this because i’ve just submitted my 2nd disbursement cheque and in Disbursement advice letter i received from bank, ive seen request for this title deed again

  80. Hitesh Kewalramani

    This article was very useful and I was able to follow the steps mentioned here and file the Notice of Intimation. However, there is a step that needs to be done which I am sharing below. This step is needed only if you are paying the stamp paper fees of Rs. 100/- using an eChallan. In this case, the stamp duty fees need to be updated to include this amount as well. This can be done as follows:

    1. After paying the stamp duty fees of Rs. 100/-, go to the ‘Payment Details’ tab on the GRAS website.
    2. Select ‘Stamp Duty’
    3. Select the checkbox that says ‘Select if the Stamp Duty, as per article 6, is already paid vide another instrument’.
    4. In the boxes that pop up above after selecting the checkbox, fill in the details of the the original stamp duty(0.2% of loan amount).
    5. In the stamp duty section below, fill in the details of the eChallan that you used to pay Rs. 100/-.
    6. Save the entry. Now you should see two entries for Stamp Duty – one for the Stamp Duty on the loan and one for the stamp paper.
    7. After clicking on View Notice, you will see the stamp duty reflecting the entire amount including Rs. 100/-.

  81. Sameer

    I have not registered nou after 30 days now what to do. I need agent who will do this for me plz give me number for badlapur thane

  82. mahesh

    1. My property is in Vasai and i have paid the stamp duty and registration fees of flat in S.R. vasai 1, I had google and found the 3 SR office under Vasai, SR vasai 1, Joint S R Vasai 2 and Joint SR Vasai 3. Now after filling and submiting the online IGR form it dispalyed “visit to Joint S.R. vasai 3” but I have paid the efiling fees on the name of SR Vasai 1, so will other registrar office (i.e. Joint S R Vasai 2 or Joint SR Vasai 3) accept the efilling fees challan on the name of SR vasai 1 and documents and which office i need to visit?

    Thanks in Advance

  83. Rohit Bhole

    30 days is for online registration/challan or for physical filling in register office?

    1. Joseph

      30 days is for filing notice of intimation which is only completed once you have physically submitted the documents with the SRO

  84. Tauceef Sheikh

    Hi Manish,

    Thanks for your efforts and sharing the details. It was really helpful.

    I have a question regarding the efiling.
    I am transferring my Loan from Axis bank to SBI.
    While entering filling Public Data entry in the IGR website in the Bank details do I need to select the Home branch of SBI or the RACPC centre?
    I can find my home branch in the list but not the RACPC centre.

    Anyone who have filed for SBI Home Loan please help me on this.

    Regards,
    Tauceef

  85. preetam

    Hi, I recently transferred my home loan to HDFC bank and also took a top up, they have created two files, and took amount twice i.e one for the transfer n other for top up, do I need to do IGR process twice as there are two files created even if the both the loans are on the same property