User Manual for Presence less Mortgage without possession Deed - Portal
The Inspector General for Registration issued the User Manual for Presence less Mortgage without possession Deed - Portal to explain how citizens enter a mortgage without possession deed through the presenceless registration system. It covers login, previous document linking, party and representative details, witnesses, presenter selection and the start of property entry.
What the manual covers
The User Manual for Presence less Mortgage without possession Deed - Portal guides citizens through the portal process for entering a mortgage without possession deed. After signing in with a username, password and captcha, the user selects Registration, Document Registration and Presenceless Registration, then chooses the nature of the document and checks the prerequisites.
The manual describes data entry and document preparation. It does not state the legal effect of the mortgage, applicable charges or the complete process after property type selection.
Previous document options
The presenceless registration process allows a citizen to proceed either with or without linking a previous document.
- Without a previous document, the user selects the nature of deed and manually enters party details.
- To link a previous document, the user selects the relevant checkbox and enters the Sub Registrar Office, book number, year and document number.
- If the document is available in the database, the system retrieves available party and property details.
- If the previous document data has not been digitised, the details entered by the user are displayed.
- A party may be selected from the previous document so that the available fields are filled automatically.
Parties, mortgagee and representatives
The portal requires details of the mortgagor or depositor. The available party types are Individual, Company, Firm, Trust and Government.
- Individuals must provide personal, address and contact details.
- A company, firm or trust must provide its name, TAN number, address and contact details.
- A government organisation must provide its name, address and contact details.
- Aadhaar is mandatory as identification proof for all applicable parties.
- The mortgagee bank is selected from the government body list.
- If the mortgagee will also execute the document, a representative for that party is mandatory.
A party who is unavailable for execution, or who is a minor, may appoint an applicable representative. The available categories depend on whether the party is an individual, government body, company or firm. The representative's name, relationship name, identification proof, address and contact details must be entered.
Witnesses, presenter and draft
The portal requires two execution or identification witnesses, with Aadhaar as identification proof. The mortgagor is the default presenter, although another listed person may be selected. A draft can be saved, and the generated draft document number remains applicable until the index is created. The supplied instructions then direct the user to select the property type.
This summary is generated from the source document to help you find what is relevant. The PDF above is authoritative. For advice on your own property, use LandLens One or speak to a qualified professional.
Common questions
Can I proceed without linking an earlier property document?
Yes. The portal allows the deed to be prepared without linking a previous document, but the party details must then be entered manually.
What information is needed to link a previous document?
Select the Sub Registrar Office, book number and year, then enter the document number. If the document is available in the database, the system retrieves its available party and property details.
Is Aadhaar required for a presenceless mortgage without possession deed?
Aadhaar is mandatory as identification proof for all applicable parties. The two execution or identification witnesses must also use Aadhaar as identification proof.
Who is treated as the presenter of the deed?
The mortgagor is the default presenter. The user may select another person from the available dropdown.
