Home loan mortgage (deposit of title deeds, MODT) in Andhra Pradesh (Vizag, Vijayawada): stamp duty and registration fee

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 home loan mortgage by deposit of title deeds (MODT) is listed at 0.5% stamp duty on the loan amount, a 0.1% registration fee capped at Rs 10,000, and Rs 100 user charges (IGRS table row 9). The stamp duty schedule caps the duty at Rs 50,000, but the IGRS home table prints that Rs 50,000 as a "minimum", so confirm which applies before you pay. Releasing the deeds after repayment is Re 1 + Rs 1,000 + Rs 100 (row 50).

IGRS duty and fee table re-read live on registration.ap.gov.in on 20 Oct 2026 (same as our 15 Oct copy). Matched against the stamp duty schedule PDF (Article 7(a)) and the registration fee table PDF (G.O.Ms.No.463 of 2013) saved by us on 15 Oct 2026. Any later change is to verify at the Sub-Registrar office.

The rows in the IGRS table

Row 9, Agreement relating to deposit of title deeds: duty 0.5%, fee 0.1% (maximum Rs 10,000), user charges Rs 100.
Row 20 and 21, Further charge (for example a top-up loan on the same property): 2% with possession, 0.5% without possession; fee Rs 500; user charges Rs 100.
Row 50, Release of deposit of title deeds: Re 1 (revenue stamp), fee Rs 1,000, user charges Rs 100.
Row 48, Reconveyance of mortgaged property: Rs 50, fee Rs 500, user charges Rs 200.
Fee table (G.O.Ms.No.463): mortgage 0.1%; deposit of title deeds 0.1% subject to a maximum of Rs 10,000; release of deposit of title deeds Rs 1,000.

The Rs 50,000 question

Article 7(a) of the stamp duty schedule reads "0.5% of the amount secured by such deed, subject to a maximum of fifty thousand rupees". The IGRS home table's row 9 prints "Subject to a minimum of Rs. 50,000/-". We can't tell you which the office will apply. Run the IGRS Duty Fee Calculator for your loan amount and ask the Sub-Registrar before you buy stamp paper (to verify).

The schedule also says any letter, note or memorandum about depositing title deeds, for the first loan or any later loan, counts as the instrument if there is no separate agreement. A mortgage deed that is not a deposit of title deeds is charged under Article 35 (with possession, the same duty as a sale on the amount secured); ask the office for that rate (to verify).

How it adds up

Example only, not a quote: totals from the rows above, before stamp vendor or e-stamp service charges.

Rs 60 lakh loan, reading the schedule (maximum): 0.5% = Rs 30,000 duty + Rs 6,000 fee + Rs 100 = Rs 36,100. If the office applies the home table's "minimum", the duty would be Rs 50,000 instead.
Rs 1.5 crore loan, reading the schedule: 0.5% = Rs 75,000, capped at Rs 50,000; fee 0.1% = Rs 15,000, capped at Rs 10,000; total Rs 50,000 + Rs 10,000 + Rs 100 = Rs 60,100.
After you repay: release of the deeds Re 1 + Rs 1,000 + Rs 100 = Rs 1,101.

Compare: a sale deed is 4% duty in AP (see our AP sale and gift deed charges guide).

Your loan terms, what the bank asks you to sign, and whether a mortgage needs registering in your case are questions for your bank and your own lawyer. This page only lists the published fee and duty rows and what the department's own papers say. Not legal advice.

Checklist for a home loan mortgage in AP

Ask the bank in writing: deposit of title deeds or a mortgage deed, and who pays the duty and fee
Your loan amount run through the IGRS Duty Fee Calculator, and the Rs 50,000 cap or minimum confirmed with the office
Stamp paper or e-stamp (AP e-stamp and franking guide) and a slot if it is registered (AP slot booking guide)
A signed list from the bank of every original document it keeps
An EC before the loan showing no earlier mortgage (AP EC guide) and a prohibited-property search (guide)
If you live abroad, who signs for you (AP POA guide)
After repayment: the no-dues letter, every original back, the release registered, and a fresh EC showing it

Need to fix a mistake in a registered deed? See the AP rectification and cancellation guide. Property in Hyderabad? See the Telangana home loan mortgage guide.

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FAQ

What is the stamp duty on a home loan MODT in Andhra Pradesh?

The IGRS table lists 0.5% of the loan amount (row 9). The stamp duty schedule (Article 7(a)) caps it at Rs 50,000, while the home table prints Rs 50,000 as a minimum, so confirm with the IGRS calculator or the Sub-Registrar.

What is the registration fee for deposit of title deeds in AP?

0.1% of the loan amount, subject to a maximum of Rs 10,000 (IGRS row 9 and G.O.Ms.No.463), plus Rs 100 user charges.

How much does it cost to release a mortgage in AP after repaying the loan?

Release of deposit of title deeds is listed at Re 1 (revenue stamp), a Rs 1,000 registration fee and Rs 100 user charges (row 50).

What about a top-up loan on the same property?

The IGRS table lists further charge at 2% with possession or 0.5% without possession, a Rs 500 fee and Rs 100 user charges (rows 20, 21). Ask your bank which document it uses.

Does a letter to the bank about my deeds count as an instrument?

The schedule's Explanation to Article 7 says a letter, note or memorandum about depositing title deeds counts, if there is no separate agreement. Ask your bank and lawyer. Not legal advice.

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.