How to Remove Mortgage from Encumbrance Certificate
Introduction
Once you pay off your home loan, the mortgage entry does not automatically disappear from your Encumbrance Certificate. You must legally register a "Deed of Receipt" or "Release Deed" provided by your bank at the Sub-Registrar Office to clear the encumbrance and secure a clean title.
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Required Documents
No documents listed.
Application Process
First, collect the No Objection Certificate (NOC) and original title deeds from your lender. Then, accompanied by a bank representative, register the discharge deed at the SRO. Once registered, pull a fresh EC to verify the mortgage has been cleared.
Related: See our main Encumbrance Certificate India guide.
Govt FeesRegistration fees vary by state for Discharge Deed
Processing Time15-30 Days post bank NOC
Disclaimer: This guide is for informational purposes only. Procedures, fees, and processing times may vary by state. Always verify procedures directly from your state’s official Registration & Stamps Department portal or consult a certified property lawyer before making financial decisions.