A reconveyance deed is a registered document by which a lender releases its mortgage and transfers back its interest in a property after the loan is fully repaid. It is signed by the bank’s authorised officer (and the borrower) at the Sub-Registrar office, so the charge is removed from Index-II and land records, giving the owner a clean title for sale or a new loan.
Why a reconveyance deed matters
When you mortgage property with a registered mortgage deed, the lender’s interest is recorded against the property. Repaying the loan does not automatically erase that record. Until a reconveyance (release) deed is registered, a buyer’s lawyer or a new bank will see the old charge and refuse to proceed.
For equitable mortgages, the bank returns your title deeds and the release should be recorded against the notice of intimation filed earlier. Either way, collect all originals and a clear closure letter — banks sometimes take weeks if you wait years to ask.
Documents required for reconveyance deed
From the bank
- Loan closure / no-dues certificate
- NOC for release of mortgage
- Authorisation letter for the bank officer
- Original title deeds returned
Borrower
- Aadhaar and PAN card
- Registered mortgage deed and Index-II
Witnesses
- Aadhaar of two witnesses
How the reconveyance deed process works
- Loan closure letter
Obtain the no-dues certificate after the final EMI. We tell you exactly what to request from the bank.
- Draft the reconveyance
Prepared in the bank’s approved format, referencing the original mortgage registration.
- Coordinate with lender
We schedule the bank officer’s visit to the SRO and pay the stamp duty and fee.
- Register
The bank’s officer and borrower sign at the Sub-Registrar office.
- Update records
Charge removed from Index-II; we guide 7/12 / property card and society updates.
Get your reconveyance deed done without the guesswork
Send your details on WhatsApp. We share the exact document list and stamp-duty estimate before you pay anything.
Loan closure checklist
- No-dues certificate and NOC for release of charge.
- All original title deeds, list of documents deposited, and the bank’s acknowledgement.
- Reconveyance deed registered (registered mortgages) or release recorded.
- CIBIL updated to “closed”.
- 7/12 or property card boja (encumbrance) entry removed for land.
- Society informed and records updated.
Reconveyance Deed in Pune, Pimpri-Chinchwad, Mumbai, Thane & Palghar
We handle reconveyance deed for clients across these cities. What differs locally:
| City | What to know locally |
|---|---|
| Pune | Registered at Haveli and Pune city Sub-Registrar offices; we draft, stamp and book the appointment. |
| Pimpri-Chinchwad | Registered at Jurisdictional Sub-Registrar office for Pimpri-Chinchwad (Haveli / Maval / Mulshi as applicable); we draft, stamp and book the appointment. |
| Mumbai | Registered at Mumbai City and Mumbai Suburban Sub-Registrar offices; we draft, stamp and book the appointment. |
| Thane | Registered at Thane district Sub-Registrar offices (Thane, Kalyan, Bhiwandi, Ulhasnagar, Ambernath); we draft, stamp and book the appointment. |
| Palghar | Registered at Palghar district Sub-Registrar offices (Vasai, Palghar, Dahanu and others); we draft, stamp and book the appointment. |
Frequently asked questions
What is a reconveyance deed?
A registered document by which a lender releases its mortgage on a property after the loan has been fully repaid, transferring its interest back to the owner.
Is a reconveyance deed needed for every home loan?
It is needed where the loan was secured by a registered mortgage deed. For equitable mortgages, the title deeds are returned and the release is recorded; some banks still execute a release deed.
Who signs the reconveyance deed?
The lender’s authorised officer signs as the releasing party; the borrower also signs and appears at the Sub-Registrar office with two witnesses.
How long after repayment should I get the reconveyance done?
As soon as possible after the final EMI. Delays make it harder to trace officers and files, especially after bank mergers.
My bank merged with another — can I still get it done?
Yes. The successor bank handles release. We help you find the right branch and get the authorisation letter.
