Register a mortgage or hypothecation on CERSAI; initiated by your lender when you take a secured loan.
Jurisdiction
All of India — CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India) is a Government of India company under the Ministry of Finance
Who applies
Banks, financial institutions, housing finance companies, and other secured creditors who create a mortgage or charge on immovable property in favour of a lender; also covers borrowers for equitable mortgage transactions. Registration is mandatory within 30 days of mortgage creation.
Typical time
Online filing: same day; certificate of registration: within 24–48 hours of online submission and payment
Fee
₹50 for loans up to ₹5 lakh; ₹100 for loans from ₹5 lakh to ₹25 lakh; ₹500 for loans above ₹25 lakh (fees as per CERSAI fee schedule; subject to revision)
| # | Document | Type needed | Purpose |
|---|---|---|---|
| 1 | Loan agreement / sanction letter | Soft copy (PDF) | Details of the loan — amount, borrower, lender, interest rate, tenure — used to populate the CERSAI registration form |
| 2 | Mortgage deed / title deed deposit memorandum | Soft copy (PDF) | Legal instrument creating the mortgage; for equitable mortgage, the memorandum of deposit of title deeds (MoDTD) evidences the security |
| 3 | Property details (survey number, plot number, area, district) | Original | Identification of the secured property; must match land records exactly for the CERSAI record to be unambiguous |
| 4 | Borrower's PAN and Aadhaar details | Self-attested Copy | Mandatory identifiers for the borrower (obligor) in the CERSAI filing to link the charge to the individual |
| 5 | Registered creditor login credentials | Original | Only registered secured creditors (banks/NBFCs) can file on CERSAI; they must use their CERSAI-issued entity login ID to file |
| 6 | Registration certificate of the property (if registered mortgage)(optional)Required for registered mortgages; not required for equitable mortgages created by title deed deposit | Self-attested Copy | Sub-registrar registration details for registered mortgage; required to confirm the mortgage deed has been registered |
Original documents: Carry originals only for in-person visits — do not hand them over permanently unless explicitly required.
The secured creditor (bank or NBFC) must file the security interest on CERSAI within 30 days of the date of creation of the mortgage. The date of creation is the date of equitable mortgage (MoDTD execution) or the date of registered mortgage deed at the Sub-Registrar's office. Missing the 30-day window makes the security interest subject to third-party claims.
The secured creditor logs in to cersai.org.in using their entity login ID and password issued by CERSAI at the time of institution registration. Individual borrowers cannot file on CERSAI — only registered entities can. If the bank is not yet registered with CERSAI, it must complete entity registration first (one-time process for the institution).
Navigate to 'Create Security Interest' on the CERSAI portal. Select the type of security interest (equitable mortgage, registered mortgage, hypothecation, etc.). Enter borrower details (name, PAN, Aadhaar), property details (state, district, taluka, survey/plot number, area), loan details (amount, sanction date, maturity date), and date of creation of security. Upload supporting documents as PDF. Review and submit the form.
After form submission, pay the prescribed registration fee online via the CERSAI payment gateway (internet banking or NEFT/RTGS). The fee is linked to the loan amount slab. On successful payment, a payment reference number is generated. Retain this for records.
CERSAI automatically generates a registration certificate with a unique registration number within 24–48 hours of successful filing and payment. Download the certificate from the CERSAI portal. The registration number is proof that the security interest has been duly registered. The bank retains this certificate in its loan file, and the borrower should receive a copy.
Any person (buyer, lender, buyer's advocate) can search the CERSAI registry for a fee of ₹10 per search to check if any existing charge or mortgage is registered against a specific property before purchase. This is a critical due diligence step — purchasing a property with an existing CERSAI registration means the buyer assumes the encumbrance. Search using property details or borrower PAN.
Bank / NBFC / Housing Finance Company
Preparing documents and initiating the CERSAI filing
Reviews the mortgage deed and loan documents to ensure all details are accurate before CERSAI filing; initiates and completes the CERSAI registration on behalf of the institution.
Bank's Operations / Compliance Team
Maintaining the CERSAI entity login and filing compliance
Manages the bank's CERSAI account, ensures timely filing within 30 days for all new mortgages, and handles modifications and satisfactions of security interests.
Central Registry of Securitisation Asset Reconstruction and Security Interest of India
Technical issues and registration disputes
Resolves filing errors, payment failures, and entity registration issues on the CERSAI portal; coordinates with the Ministry of Finance for policy queries.
Filing security interest registrations (by banks and financial institutions), searching property encumbrances (by anyone for due diligence), and downloading registration certificates
Charges created by companies (mortgages by corporate entities) must additionally be registered with the Registrar of Companies on MCA21 under Section 77 of the Companies Act 2013, in addition to CERSAI
Section 23C of SARFAESI requires CERSAI registration within 30 days of mortgage creation. A security interest not registered within 30 days loses priority against a subsequent security interest filed by another lender for the same property. The bank's security is technically at risk until registration is completed.
CERSAI registry records mortgages that may not appear in the Sub-Registrar's encumbrance certificate (EC), particularly equitable mortgages (created by deposit of title deeds) which are not registered at the Sub-Registrar's office. Before buying any property, search CERSAI in addition to the EC to check for hidden mortgages.
When a loan is fully repaid, the bank must file a 'Satisfaction of Security Interest' on CERSAI within 30 days of discharge. If the bank fails to do this, the CERSAI record shows the property as still encumbered, which will block future sale or mortgage. Always demand the CERSAI satisfaction certificate from your bank after loan closure.
Most home loan mortgages in India are equitable (created by depositing title deeds, not via a registered mortgage deed). These do not appear in the Encumbrance Certificate from the Sub-Registrar's office. Only a CERSAI search reveals equitable mortgages. This is why CERSAI was created — to fill this gap in property due diligence.
CERSAI access is restricted to registered secured creditors. If your bank makes an error in the CERSAI filing (e.g., wrong property details), you must approach the bank to correct it. The bank must file a modification on CERSAI. Borrowers have no direct portal access.