Discharge Deed

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

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What is a Discharge Deed?

A Discharge Deed (also known as a Release Deed of Mortgage) is a legal document executed by a lender (usually a bank) that formally acknowledges that the borrower has fully repaid their home loan or mortgage.

This deed releases the property from the mortgage charge, clearing any lien and allowing you to have a clean title — essential if you plan to sell, gift, or pledge the property in the future.

When do you need it?

You need a Discharge Deed when:

  • You’ve completely repaid your home loan or mortgage, and want the bank to officially remove their claim on your property.
  • You are preparing to sell your property, and buyers or banks demand a clear title with no encumbrances.
  • You want to update municipal or revenue records (like Khata) to show the property is debt-free.

How Namma Swathu helps you?

We coordinate with your bank and the Sub-Registrar Office to make sure your property is fully released from loan records.

We gather your loan closure documents, NOC from the bank, and your original registered Sale Deed.

Prepare and draft the Discharge Deed in consultation with the lender.

Arrange execution at the Sub-Registrar Office — coordinating signatures of bank officials and ensuring proper stamp duty payment.

After registration, we collect the endorsed Discharge Deed and hand it over to you, proving your property is mortgage-free.

Typical flow of the process

Collect NOC & Loan Closure Docs

Draft Discharge Deed

Register with SRO

Bank Signs & Releases Property

Delivered to You

Common FAQs on Discharge Deeds

Is the Discharge Deed mandatory?

Yes. Without it, the loan is not formally removed from the property records, which can block resale or further borrowing.

Usually, the borrower pays stamp duty and registration fees, though some banks share costs. We guide you on this.

No. The NOC is just a letter. The Discharge Deed is a registered document that legally clears the mortgage from property records.

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