MODT Registration

Original price was: ₹9,101.Current price is: ₹6,300.

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What is MODT?

MODT (Memorandum of Deposit of Title Deed) is a legal document executed between a borrower and a lender (like a bank or financial institution) when you take a home loan or property loan.

It records that you’ve deposited your original property title deeds with the lender as security for the loan, giving them the right to enforce repayment through the property if needed.

This document must be registered at the Sub-Registrar Office under the Registration Act, ensuring your mortgage is officially recorded.

When do you need it?

You’ll need MODT registration when:

  • Taking a home loan or loan against property (LAP) — banks make this mandatory.
  • Refinancing or transferring your existing loan to a new bank.
  • Ensuring your mortgage is legally enforceable and protects both lender and borrower interests.

How Namma Swathu helps you?

We guide you through the often confusing MODT process so your property transaction stays secure and compliant.

Review your loan sanction letter, sanctioned amount, and property documents.

Prepare the MODT draft, coordinate with your bank or lender, and ensure the document covers all statutory clauses.

Assist in calculating the applicable stamp duty (usually around 0.1% to 0.5% of the loan amount in Karnataka) and guide you on e-stamping.

Facilitate smooth registration at the Sub-Registrar Office, so your mortgage is legally perfected.

Typical flow of the consultation

Review Loan & Property Papers

Draft & Finalize MODT

Calculate Stamp Duty

Guide on SRO Registration

Common FAQs

Is MODT compulsory for home loans?

Yes. Most banks require it to legally secure the mortgage.

Generally the borrower. We advise you on exact rates and local norms.

The mortgage may not be legally enforceable, risking both your property and future resale.

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