📋 Affidavit Guide

Non-Encumbrance Affidavit for Property & Home Loan

Written by the SarkariKagaz Team · Updated September 2026 · 3 min read
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Quick answer

A non-encumbrance affidavit declares your property is free of any mortgage or dispute and has a clear, marketable title - commonly asked for before a home loan is sanctioned. Generate yours free.

What Stamp Paper Denomination Is Required?

This varies by state and bank - Rs. 100 non-judicial stamp paper is commonly asked for, but some banks or states require a different value. Confirm with your bank or notary before printing, since a mismatched stamp value can delay loan processing.

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Pick your situation - non-encumbrance, lost title deed, or ancestral mutation - and fill in the property details.

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Lost the Original Title Deed?

This affidavit can declare the loss and your undertaking to surrender the original if it's ever traced, supporting a certified-copy request from the Sub-Registrar's office or your bank's own lost-document process for a loan application. You'll typically also need a police complaint/FIR copy or a newspaper public notice, depending on your bank's requirement.

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Disclaimer

This is a reference format, not legal advice. Banks and Sub-Registrar offices may want a specific format or additional wording - confirm with the requesting party before submitting for a high-value transaction like a loan.

Non-Encumbrance Affidavit के बारे में हिंदी में जानकारी

Home loan लेने से पहले, bank अक्सर एक non-encumbrance declaration माँगता है जो यह पुष्टि करे कि property पर कोई mortgage या विवाद नहीं है। यहाँ free में बनाइए।

Frequently Asked Questions

A sworn declaration by the property owner stating the property is free from any mortgage, charge, lien, litigation, or other encumbrance, and that the title is clear and marketable.
This affidavit can declare the loss and your undertaking to surrender the original if traced, supporting a certified-copy request from the Sub-Registrar or your bank's lost-document process.
Yes - a self-declaration affidavit is commonly asked for during mutation of ancestral/inherited property, alongside the legal heir certificate and other succession documents.