Property and Legal Articles by Krishna N
Reconveyance Deed: Meaning, Process & Documents
A reconveyance deed is a legal document used to record the release or re-transfer of a lender's interest in a mortgaged property after the secured loan has been repaid. Under Section 60 of the Transfer of Property Act, 1882, a mortgagor has the right to redeem the mortgage after the mortgage money becomes due and the required payment is made. Where a registered mortgage is involved, the law also provides for a registered acknowledgement that the mortgagee's rights have been extinguished. The exact document can vary with the type of mortgage and the documents originally executed. In some cases, the appropriate document may be described as a reconveyance deed, release deed, discharge document or another mortgage-release instrument.
What Is Vamshavruksha Certificate? Meaning and Uses
A Vamshavruksha certificate is a family-tree document that records the relationship between members of a family. In Karnataka, it is also referred to as a Family Tree Certificate or Vamsha Vriksha Pramana Patra. It is mainly used to establish family relationships for matters such as inheritance, property records, succession-related claims and certain government or administrative requirements. The Karnataka Revenue Department's family-tree attestation is also used in property succession records maintained by BBMP.
What Is E Stamping? Meaning and Uses
What is e stamping? E-stamping is an electronic method of paying and recording stamp duty on documents or instruments that attract stamp duty. Instead of using only physical stamp paper, the stamp duty payment is processed through an authorised electronic system. In Karnataka, the Department of Stamps and Registration is implementing digital e-stamping for various government departments and transactions.
Sale Deed vs Conveyance Deed: Key Differences Explained
A sale deed transfers ownership of a property from a seller to a buyer for a price, while a conveyance deed is a broader legal document used to transfer right, title, and interest in property from one party to another. A sale deed is a specific type of conveyance used for a sale. A conveyance deed may also cover other property transfers and is commonly used when a builder, authority or other legal entity transfers property rights to another party.
What Is MODT? Meaning & Purpose
MODT stands for Memorandum of Deposit of Title Deeds. It is a document connected with a mortgage created by depositing property title deeds with a lender as security for a loan. Under Section 58(f) of the Transfer of Property Act, 1882, a mortgage by deposit of title deeds involves using title documents to secure repayment of money advanced or to be advanced as a loan.
Documents to Collect After Home Loan Closure
After home loan closure, collect your original property documents, No Dues Certificate or NOC, loan closure certificate, final loan statement and document handover acknowledgement. You should also check whether the lender has completed the required release of its charge over the property. RBI directions require regulated lenders to release original property documents and remove registered charges within 30 days of full repayment or settlement, subject to the applicable rules.
What Is a Legal Heir Certificate? Meaning & Uses
A legal heir certificate is an official document used to identify the surviving legal heirs of a deceased person. It records the family relationship between the deceased and the people claiming to be their legal heirs. In Karnataka, however, the current government position is specific: the legal heir certificate is issued to the kin of deceased government servants, while others are directed to approach the jurisdictional civil court for a succession certificate.
How to Write Will Deed in Bangalore: Complete Guide
A Will deed should clearly state who is making the Will, which assets they own, who should receive those assets and how the distribution should happen after their death. For Bengaluru property, the Will should identify the property using details that match the existing title and municipal records. It should then be properly signed and attested according to the applicable law.
How to Get Family Tree Certificate in Karnataka Online
A Family Tree Certificate in Karnataka can be applied for through the Nadakacheri portal, where the service is listed as “Attestation of Family Tree.” The application requires family details and supporting documents, followed by verification by the Revenue Department. Karnataka’s official Nadakacheri service list currently includes Attestation of Family Tree, with a 14-day Sakala service timeline shown against the service.
Stamp Duty & Registration Charges in Bangalore 2026
For property registration in Bangalore, stamp duty is generally 5% for a resale property, plot or site, while qualifying first registrations of flats can attract 2% or 3% under Karnataka's concessional provisions. The registration fee is 2% from August 31, 2025. In Bengaluru urban areas, applicable cess and surcharge are added to the stamp duty. The final amount depends on the property type, transaction value and applicable government valuation.