CERSAI, equitable mortgage and what registration means
How your property gets charged to the lender, and why the entry matters when you sell.
4 min read
What you need to know
Most retail mortgages in India are equitable — created by depositing title deeds with the lender — and are then registered on the CERSAI central registry so any other lender searching the property sees the charge.
When you close the loan, collect three things: the original documents, a no-dues certificate, and confirmation that the CERSAI charge has been satisfied. A stale charge will hold up your next sale or loan.
Continue your research
Use this guide alongside our product details and eligibility criteria before choosing a lender.
Frequently asked questions
What is the main takeaway from “CERSAI, equitable mortgage and what registration means”?
How your property gets charged to the lender, and why the entry matters when you sell.
What should I check before acting on this documentation guide?
Review the practical points in the guide against your income, obligations, documents and lender requirements.
Can the information in this guide guarantee loan approval?
No. It is general educational information. A bank or NBFC makes the final decision after checking your credit profile, repayment capacity, documents and the applicable product policy.
How can iFINTRUST help after I read this guide?
An iFINTRUST advisor can review your requirement, explain the documents normally requested and help you compare suitable lending options before you apply.