Once the full and final settlement of loan is repaid. Collect the following documents from bank
- Loan Closure letter on Bank’s letter head
- Discharge Deed / Reconveyance Deed
- Title documents include your Registered Sale Deed
Before we register discharge deed in sub-registrar office, we need to submit the property information on Kaveri Online Services and obtain appointment for registration. Follow the below procedure to fill property information on Kaveri Online Services:
Open the Kaveri Online Services website, here is the link https://kaveri.karnataka.gov.in/landing-page
The home page looks like below
We must register on Kaveri Online Services, click on the “Register” and provide your name, address, mobile number and email id to register
Refer below image to locate registration menu
Below is the registration page
Your email ID is your username, the password comes to your email, below is the image my password that I receive to my email
Login using password and OTP. the login page looks like below image
Click on “Start a New Application”. Refer to arrow mark in below image
Click on DOCUMENT REGISTRATION. Refer to the circle in below image
Read the Prerequisite for Document Registration and click on “Continue”. Refer to below image
In Article and Sub Article: Select the following options in dropdown
- NATURE OF DOCUMENT: Reconveyance of mortgaged Property
- ARTICLE: Reconveyance of mortgaged Property
- SUB ARTICLE: (44) Reconveyance of mortgaged Property
Refer to below image
Click on Continue. Refer to circle in below image
What is the type of Document? We have option to select Agricultural and Non-Agricultural
In my case, I want to discharge mortgage on my 2BHK residential flat in Bangalore, the residential flat comes under non-agricultural category, so i selected non-agricultural. Refer to arrow mark in below image
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In Select the Jurisdiction to continue: If your property comes under Gram Panchayat jurisdiction, select e-Swathu or Select Others
In my case, my property located in CMC limit so I selected Others. Refer to below image
In Enter the PID No:
In my case, my 2BHK flat located in Prestige Sunrise park apartment, Gollahalli village, Attibele Hobli, Anekal Taluk, Bangalore Urban, Property comes under CMC limit (City Municipal Council)
Based on my above property information, I selected the below options from dropdrown
- DISTRICT: Bangalore Urban
- ULB CODE: Hebbagodi (my cmc office located in Hebbagodi so I selected Hebbagodi from dropdown list)
- INDEX II: VILLAGE : Gollahalli (my property located in Gollahalli village so selected Gollahalli from dropdown list)
- Zone: CMC (my property located in CMC limit so selected CMC from dropdown list)
- ROAD: Gollahalli (Converted Land) (My apartment name Prestige Sunrise Park is not listed in drop down so I selected available option Gollahalli (Converted Land) from dropdown list
- PROPERTY NUMBER TYPE: XXXX (we have multiple options to choose like flat number, Khata number, PID Number, Door number, House number, ward number etc.. We should enter atIeast 3–4 options, i selected Flat Number and typed my four digit flat number
Click on the “Add More” and i provided my Khata Number and again clicked on Add More and provided my survey number (more you provide your property information, more the chance that your application will approve in first submission itself)
- Total Area (in Sq. Meter): 128 (As per my sale deed, my flat measurement is 1374 Square feet so I converted to square meter and typed 128)
Refer to below filled image (encircled the Add More for your information)
Click on Submit & Continue.
The application Number is auto generated and refer to the circle in below image. Followed by property information (that is my flat number, khata number and survey number)
Click on Save Property & Continue
Property Schedule: Enter the details of boundaries and Property description (we can find this details in Schedule section of Discharge deed or sale deed, we can copy the required info from deed
In my case, typed the boundaries and Property description as mentioned in Discharge deed. Refer to below images
(The term Part Area may not mentioned in most of the sale deed or Discharge deed. Part Area means, area considered for market valuation. In my case. I typed my super build-up area of my flat, that is 128 Square meter)
Click on Save And Continue
Party Details: is the details of bank and borrower
Under the Executant -1: Fill the details of bank
Check the box, Exempted from Personal Appearance (Section 88 Exempted)
In Covering Letter Number, enter your loan account number and upload the covering letter in PDF format, the file size should not exceed more than 5MB. The section 88 exemption should be mentioned in covering letter, we highlighted the same in below image
Individual Or Organization: Select the option Organization. Refer to below image
Enter the bank name, address, Authorized signatory name, contact number and ID proof number like pan or aadhaar
(If the Authorized signatory name mentioned in discharge deed, mention the name. If the designation is mentioned without name, mention the Designation.
In my case, my discharge deed was signed by Chief Manage of Bank of Baroda, just designation was mention without name so I typed Chief Manage in name). Refer to the below image in circle
Click on Save the Executant 1 And Go To Next, refer to below image
Scroll-up and click on the Executant 2. refer to below image
In Executant -2, Enter the borrower details. In my case, two joint borrowers, that are Mr.Saurabh and Mrs.Richa so in Executant -2 , lets enter the details of Mr.Saurabh
Is Claimant: Select the option yes
Individual Or Organization : Select option Individual
Entered Mr.Saurabh’s name, address, mobile number and Id proof number. Refer to below image
Click on Save Executant 2, refer to above image
Scroll up and click on + button to add Executant 3, Refer to below image
In Executant -3, Entered the joint borrower details. In my case, Mrs.Richa is the joint borrower so we entered the details of Mrs. Richa
Is Claimant: Select the option yes
Individual Or Organization : Select option Individual
Entered Mrs.Richa’s name, address, mobile number and Id proof number. Refer to below image
Click on Save Executant 3, refer to below image
Click on Move to PRESENTER, Refer to below image
Among the joint borrowers, I choose Mr. Saurab as presenter from drop down, refer to below image (the presenter mean, the person who present the documents in sub-registrar office)
Click on Make Presenter, Refer to below image
INDENTIFIER mean Witnesses, we need to enter the details of at least two identifiers. Refer to below image
In IDENTIFIES: select the borrower name that whom the IDENTIFIER 1 is witnessing to, I chose Mr. Saurab from drop-down list, (it mean INENTIFIER 1 is witnessing to Mr. Saurab. Refer to below image
Click on Save IDENTIFIER 1 And Go to Next. Refer to below image
Scroll-up and click on IDENTIFIER 2, similarly as explained above for INDENTIFIER 1, enter the details of IDENTIFIER 2 for Mrs. Richa
Click on Save & Continue.
Discharge Deed doesn’t require marker value calculation so we can click on Continue, refer to below image
Consideration is not applicable for Discharge deed so keep the consideration value as Zero. Click on Save and Continue. Refer to below image
Scroll down and click on the Number of pages, the pages are Covering letter, Discharge deed and Aadhaar
In my cash, the covering letter in one page, Discharge deed is two pages and two aadhaar of Mr.Saurab & Mrs. Richa
Total pages are 5 so I type 5 and click on Calculate. Refer to below image
The government fee displays which includes stamp Duty + Registration fee + Scanning fee. In my case, the government fee is Rs.580.
Click on Save and Continue. Refer is below image
Summary report displayed for review, refer to below image (in below I just shared part of pages, its a long scroll of around 8–9 pages)
At the bottom page,
- Upload Deed Document: Upload scan copy of Discharge Deed in PDF Format
- Upload Annexures: Merge your Aadhaar, Khata and property tax receipt in one PDF file and upload the PDF
- Date of Execution: Select the current date
Refer to below image
Scroll-down and select the sub-registrar office, I selected Chamarajpete sub-registrar office (we can register the discharge deed in any of the sub-registrar office listed in drop down). Refer to below image
Check the declaration and click on Agree and Submit. Refer to below image
The application status shows Pending at SRO. Refer to below image
On very next day, my application status changed to Make Payment. Refer to below image
I made the payment, below is the payment challan
Immediately after the payment, the status changed to Schedule. Clicked on the schedule and booked my registration slot, refer to below image
As per my schedule, carried the following documents to Chamrajpete sub-registrar office
- Covering Letter on Bank’s letter head
- Discharge Deed / Reconveyance Deed
- Photocopy of Khata and property tax receipt
- Aadhaar of Borrowers
Mr. Saurab and Mrs.Richa visited the Chamrajpete sub-registrar office and presented the above listed documents and mentioned the Kaveri Online Service application number PRP-03062023-XXXXXXX to registering officer
Mr. Saurab and Mrs. Richa presented for webcam photo and thumb impression.
Below is the image of registered discharge deed.
Received the registration number via SMS, refer to below image
On Kaveri Online Service, the status changed to Registration Completed, Refer to below image
Extracted the Encumbrance Certificate (EC) on Kaveri online services to cross-verify the registration, Below image is my EC index
As per the above EC, the Bank’s name in column 5 and Mr. Saurab & Mrs. Richa (borrowers) names in column 6. It means that Discharge Deed registration is successfully completed and EC is updated.
Note:
- After you submit the application, the sub-registrar will approve your application within next day. Incase your application is not approved even after a day, call the Kaveri Online Services helpline 080 68265316 to file a complain.
- Based on my personal experience, the kaveri Online Services helpline is not so good, usually they respond after a long ring and long waiting time so better visit your sub-registrar office and request the officer to approve your application to expedite the process
- Before implementation of Kaveri 2.0, the sub-registrar issue EC immediately after the deed registration but now sub-registrar office is not issuing EC. We need to apply EC online on Kaveri Online Services for cross verification
This completes the procedure to register the Discharge/Reconveyance deed through Kaveri Online Services
We provide assistance to register Discharge/Reconveyance deed. To opt for our service, please write to us pgnproperties@gmail.com or WhatsApp to + 9 1 – 9 7 4 2 4 7 9 0 2 0.
Thank you for reading…
