Home loan closed in Andhra Pradesh (Vizag, Vijayawada): re-conveyance and release of title deeds charges

Official documents read 14 to 20 Oct 2026 · Not legal advice · Government websites change, so re-check before you rely on a step.

Short answer: In Andhra Pradesh, a re-conveyance of mortgaged property after a loan is repaid is listed at Rs 50 stamp duty, Rs 500 registration fee and Rs 200 user charges (IGRS duty and fee table, row 48). A release of a deposit of title deeds is listed at Re 1 revenue stamp, Rs 1,000 fee and Rs 100 user charges (row 50).

Rows 48 to 50 read from the duty and fee table on the AP IGRS home page, re-read live on 20 Oct 2026. Stamp schedule and Stamp Act read from copies saved from registration.ap.gov.in on 15 Oct 2026. Any later change is to verify with the IGRS Duty Fee Calculator or the Sub-Registrar office.

The rows, as published

Row 48, Reconveyance of mortgaged property: stamp duty Rs 50; registration fee Rs 500; user charges Rs 200.
Row 50, Release of Deposit of Title Deeds: stamp duty Re 1 (revenue stamp); registration fee Rs 1,000; user charges Rs 100.
Row 49 is a different document: release of a right of redemption of a mortgage with possession, or of a right to obtain re-conveyance, is Rs 1,000 duty, a 0.5% fee (minimum Rs 1,000, maximum Rs 10,000) and Rs 100 user charges. It is not the usual home loan closure paper, so check which row the office applies.
Stamp schedule, Article 45: a re-conveyance pays the same duty as a conveyance only if the mortgage was for Rs 1,000 or less; "in any other case", fifty rupees.

Who pays the stamp: section 29 of the Stamp Act on the AP IGRS site says that, unless agreed otherwise, the stamp on a conveyance "including a reconveyance of mortgaged property" is borne by the grantee, which on a re-conveyance is the borrower.

How it adds up

Example only, not a quote: from rows 48 and 50; stamp vendor charges and rounding are extra or to verify.

Re-conveyance deed after a Rs 40,00,000 loan: Rs 50 + Rs 500 + Rs 200 = Rs 750.
Release of deposit of title deeds after a Rs 40,00,000 loan: Re 1 + Rs 1,000 + Rs 100 = Rs 1,101.
When you took the loan: the deposit of title deeds itself was charged on the amount secured (AP home loan mortgage guide). Closing it is a fixed small amount.

Three things to ask before you close the loan

Which document: a re-conveyance (row 48) or a release of deposit of title deeds (row 50)? It depends on how the mortgage was made. Ask the bank.
Is registration needed: whether a no-dues letter and the return of your deeds are enough, or a registered release is needed for the EC to show the charge closed, is not stated in what we read (to verify).
Current figures: run the IGRS Duty Fee Calculator before the bank's officer comes to sign.

Whether your bank must give you a registered release, and what your loan papers say, are questions for your bank and your own lawyer. This page only lists the published fee and duty rows. Not legal advice.

Checklist after closing a home loan in AP

The loan closure or no-dues letter, and the bank's list of documents returned
Every original title deed back, checked against that list
The release or re-conveyance registered if needed, with duty paid by e-stamp (AP e-stamp guide)
A fresh EC a few weeks later to see how the charge now shows (AP EC guide)
A copy of the registered release kept with the deeds (AP CC guide)

Property in Hyderabad? See the Telangana loan closure release guide. Selling next? See the AP sale deed charges guide.

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FAQ

What is the stamp duty on a re-conveyance deed in AP?

The IGRS table row 48 lists Rs 50 stamp duty, a Rs 500 registration fee and Rs 200 user charges.

What does a release of deposit of title deeds cost in AP?

Row 50 lists a Re 1 revenue stamp, a Rs 1,000 fee and Rs 100 user charges.

Does the amount depend on the loan size?

Not for rows 48 and 50. The schedule charges conveyance duty on a re-conveyance only when the mortgage was for Rs 1,000 or less.

Who pays for the re-conveyance?

Section 29 of the Stamp Act puts the stamp on the grantee, the borrower, unless agreed otherwise.

Is a registered release always needed?

Not stated in what we read. Ask your bank and the Sub-Registrar, then check a fresh EC.

Official sources

Not legal advice. We don't check properties or certify ads. A lawyer must confirm title, and the Authority's own notices override anything on this page.