Home loan mortgage (deposit of title deeds, MODT) in Telangana (Hyderabad): registration fee and stamp duty

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: When you take a home loan in Telangana and the bank keeps your title deeds (a mortgage by deposit of title deeds, often called MODT), the 2021 registration fee table charges 0.1% of the loan amount, capped at Rs 10,000 (Category 2, row 10). Releasing that mortgage after you repay is a flat Rs 2,000 (Category 3, row 2). The stamp duty is not in the 2021 stamp duty G.O.Ms.No.59, so it is to verify with the Sub-Registrar office.

Fee rows read from the registration fee notification of 02-09-2021, saved by us from the Telangana Registration and Stamps website on 14 Oct 2026. G.O.Ms.No.59 of 20-07-2021 re-read live on 20 Oct 2026: its 15 rows cover sale, gift, exchange, partition, settlement and agreements, not mortgages. Any later revision is to verify at the office.

The fee rows that apply to a home loan

Deposit of title deeds (Category 2, row 10, "Agreement relating to Deposit of Title Deeds falling under Article 7(a) of the Schedule IA", with or without a pari passu charge for more than one lender): 0.1%, maximum Rs 10,000.
Any other mortgage (Category 1, row 8(a)): 0.1%, with no cap printed.
Mortgage with possession in a Gram Panchayat area (Category 1, row 8(b)): 1.6%.
Release of mortgage, release of deposit of title deeds, or re-conveyance (Category 3, row 2): Rs 2,000 flat.

Stamp duty: what we can and can't say

We hold no official Telangana row for stamp duty on a deposit of title deeds, so we don't print a number. Ask the Sub-Registrar office, or ask the District Registrar for a section 31 opinion (Stamps FAQ Q13).
Duty is charged on the loan amount, not on the interest that will build up (Stamps FAQ Q9).
For a mortgage by deposit of deeds, the duty is paid by the person who signs it, which is usually the borrower, unless agreed otherwise (Stamps FAQ, "who is liable").
If the same property is later sold to the mortgagee, the duty already paid on the mortgage deed can be deducted (Stamps FAQ Q10).

How the fee adds up

Example only, not a quote: registration fee only; stamp duty and any user charges are extra and to verify.

Rs 60 lakh home loan: 0.1% = Rs 6,000 (under the Rs 10,000 cap).
Rs 1.5 crore home loan: 0.1% = Rs 15,000, so the cap applies and the fee is Rs 10,000.
After you repay: the release deed fee is Rs 2,000, whatever the loan size.

Compare: the sale deed itself carries 5.5% stamp duty in Telangana (see our Telangana sale and gift deed charges guide), so for most buyers the mortgage fee is small next to the purchase cost.

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 Telangana

Ask the bank in writing: is the mortgage a deposit of title deeds, a registered mortgage deed, or both, and who pays the fee and duty
The duty confirmed with the Sub-Registrar before buying stamp paper (e-stamp and franking guide) and a slot if it is registered (slot booking guide)
A list, signed by the bank, of every original document it keeps, with document numbers
An EC before the loan that shows no earlier mortgage (Telangana EC guide) and a prohibited-property check (guide)
If you live abroad, who will sign for you (Telangana POA guide)
After repayment: the no-dues letter, every original document back, the release deed registered (Rs 2,000 fee), and a fresh EC showing the release

Need to fix a mistake in a registered deed? See the rectification and cancellation guide. Property in Vizag or Vijayawada? See the Andhra Pradesh home loan mortgage guide.

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FAQ

What is the registration fee for a home loan mortgage (deposit of title deeds) in Telangana?

The registration fee table of 02-09-2021 lists 0.1% of the amount, capped at Rs 10,000, for an agreement relating to deposit of title deeds (Category 2, row 10).

What is the stamp duty on MODT in Telangana?

G.O.Ms.No.59 of 2021 has no mortgage row and we hold no other official Telangana figure, so we don't quote one. Ask the Sub-Registrar office or the District Registrar (section 31 opinion).

Is stamp duty charged on the interest too?

No. The Telangana Stamps FAQ (Q9) says duty is paid on the loan amount, not on the interest to be accrued.

What does it cost to release a mortgage after repaying the loan?

Category 3, row 2 of the 2021 fee table lists Rs 2,000 for a release of mortgage rights, release of deposit of title deeds, or re-conveyance.

Who pays the duty on a mortgage by deposit of title deeds?

The Stamps FAQ says the person executing it bears the duty unless agreed otherwise, which is usually the borrower. Check your loan papers.

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.