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On loan closureMortgage discharge registration — clear the bank's charge online
After a loan is closed, the discharge (deed of receipt / release of mortgage) must be registered so the mortgage is removed from the property's records and the Encumbrance Certificate shows the property free of the charge. We register it presence-less through TNREGINET.
What we do for each discharge
- Verification of loan closure and the original MOD details
- Drafting of the Deed of Receipt / Release
- Coordination with the bank's authorised officer
- Online submission and registration
- Guidance on collecting your original documents
Why register the discharge?
Closing the loan and collecting a no-dues letter does not by itself remove the mortgage from the Registration Department's records. Until the discharge is registered, the Encumbrance Certificate continues to show the bank's charge — which can hold up a sale, a fresh loan or a transfer of the property later.
Documents to keep ready
A copy of the registered MOD or mortgage document, the loan closure / no-dues letter from the bank, the authorisation of the bank officer executing the release, Aadhaar of the bank officer and the owner(s), property details as in the original document, and Aadhaar details of two witnesses.
Charges
For our service charge on discharge registration, call or WhatsApp 73737 35222. Government charges are as applicable for the document, and we tell you the exact total before filing.
From documents to a registered deed
Share your documents
Send copies of the title deeds, patta, EC, IDs and, for bank work, the sanction letter or closure letter, on WhatsApp or email.
Title scrutiny
Our team reviews the documents and flags any gap in title or approvals before anything is filed.
Drafting & fee calculation
We draft the document and calculate stamp duty, registration fee and other charges as per the Department's rules.
Aadhaar authentication
Each executing party and witness is authenticated with a UIDAI-compliant fingerprint or iris device, by arrangement.
Online payment & submission
Fees are paid online and the document is submitted to the jurisdictional Sub-Registrar through TNREGINET.
Registered document
Once the Sub-Registrar registers it, the digitally signed document is delivered to you or the bank.
Frequently asked questions
What is a discharge or deed of receipt?
It is the document by which the bank acknowledges that the loan secured by the property has been repaid and releases its mortgage. Registering it clears the charge from the property's records.
My loan is closed. Why does the EC still show the bank's mortgage?
Because the discharge has not yet been registered. Once the deed of receipt / release is registered, the Encumbrance Certificate shows the property free of that charge.
Can discharge be registered presence-less?
Yes. Discharge / deed of receipt is one of the documents that can be registered online through TNREGINET, with the bank officer and the owner authenticated through Aadhaar.
Which areas do you cover?
All Sub-Registrar Offices in Coimbatore, Tiruppur and Erode districts.
Other services
Talk to us
Send your documents on WhatsApp or call. We'll tell you what's needed and what it will cost.
D No 2A4, SF No 419/2, Annai Indra Nagar, Maruthamalai, Coimbatore – 641046
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