When you repay a home loan, the bank's charge on your property is registered as an MODT at the Sub-Registrar's Office. Repaying the loan does not cancel it automatically. Until formally removed, the MODT stays on your Encumbrance Certificate as an active charge. This can block a future sale, a new loan, or a balance transfer, because buyers and lenders will see the old lender's charge still on record. This package handles the full removal: from collecting closure documents from your bank, to SRO registration, E-Khata update, and a clean Certified EC confirming clear title.
When you repay a home loan, the bank's charge on your property is registered as an MODT at the Sub-Registrar's Office. Repaying the loan does not cancel it automatically. Until formally removed, the MODT stays on your Encumbrance Certificate as an active charge. This can block a future sale, a new loan, or a balance transfer, because buyers and lenders will see the old lender's charge still on record. This package handles the full removal: from collecting closure documents from your bank, to SRO registration, E-Khata update, and a clean Certified EC confirming clear title.
When do I need this?
When do I need this?
Services included (3)
MODT Removal
E-Khata
Certified EC
Steps Involved
Step 1
Get Started and Document Upload
Share your property details, loan closure letter, and ownership documents. Our team prepares the checklist across all three services so nothing is collected twice.
Share your property details, loan closure letter, and ownership documents. Our team prepares the checklist across all three services so nothing is collected twice.
Step 2
Bank Coordination and NOC Collection
We coordinate with your loan bank to obtain the No Objection Certificate and loan closure documents required to initiate MODT cancellation at the SRO.
We coordinate with your loan bank to obtain the No Objection Certificate and loan closure documents required to initiate MODT cancellation at the SRO.
Step 3
MODT Cancellation Deed and SRO Registration
We prepare the cancellation deed and handle the full SRO registration process, including appointment booking and on-ground coordination.
We prepare the cancellation deed and handle the full SRO registration process, including appointment booking and on-ground coordination.
Step 4
E-Khata Update
Once MODT is cleared, the E-Khata application is filed and tracked until your digital property record is updated.
Once MODT is cleared, the E-Khata application is filed and tracked until your digital property record is updated.
Step 5
Certified EC
Applied for and collected from the Sub-Registrar's Office after MODT removal. Confirms a clean title with no active charges. Delivered digitally.
Applied for and collected from the Sub-Registrar's Office after MODT removal. Confirms a clean title with no active charges. Delivered digitally.
Document Required
Aadhaar card
Verifies the identity of the person requesting the connection name change.
Aadhaar card
Verifies the identity of the person requesting the connection name change.
PAN of buyer(s)
Identifies the taxpayer involved in the property transaction for tax reporting.
PAN of buyer(s)
Identifies the taxpayer involved in the property transaction for tax reporting.
Property tax receipt
Confirms evidence of tax payment for the property where a receipt is available.
Property tax receipt
Confirms evidence of tax payment for the property where a receipt is available.
E-khata
A digital property record containing key municipal property and Khata details.
E-khata
A digital property record containing key municipal property and Khata details.
Frequently Asked Questions
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