What if I've lost the original property 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.

Non-Encumbrance Affidavit Format for Property & Home Loan

Q: What is a non-encumbrance affidavit?

It's 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 - commonly required by banks before sanctioning a home loan against the property.

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.

When You Need This

Banks typically ask property owners for a non-encumbrance declaration before sanctioning a home loan - confirming the property is free of any existing mortgage or dispute. This format also covers two related situations: a lost original title deed, and mutation of inherited/ancestral property. Pick the one that matches yours below.

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Pick your situation and fill in the property details - we'll generate a properly worded affidavit below.

How to Use This Format

Generate the document, then use "Add Signature" to draw or upload your signature.
Print it on the correct stamp paper value for your state/bank and get it notarized.
For a lost title deed, also check whether your bank wants a police complaint copy or newspaper public notice alongside this affidavit.

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 - commonly required by banks before sanctioning a home loan.

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.

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. You'll typically also need a police complaint/FIR copy or a newspaper public notice.

Yes - a self-declaration affidavit is commonly asked for during mutation of ancestral/inherited property, confirming your relationship to the original owner, alongside the legal heir certificate and other succession documents.