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What is Notice of Intimation?

Notice of Intimation (NOI) is a part of the home loan registration process. It is normally submitted to inform the registrar’s office regarding the disbursement of a home loan. It came into effect on 1st April 2013 to curb the fraudulent activities related to the properties, such as multiple registrations of a home or availing multiple loans against a single home.


The lender usually prepares an agreement when you opt for a home loan. Both parties, including the borrower and the lending institution, agree with the terms and conditions. After this, this agreement is registered. In such instances, there is no need for Notice of Intimation for a home loan.


However, if there is any delay in the registration of the agreement, then the mortgagee (the borrower) gets 30 days from the disbursement of the first loan amount to file an NOI to the Sub-Registrar Office under whose jurisdiction the particular property falls. 


Note that filing the Notice of Intimation lies solely at the discretion of the borrower and is not the responsibility of the lender. In specific instances, you are allowed to hire a third-party executive to initiate this purpose.

E-filing of Notice of Intimation Regarding Deposit of Title Deed

E-filing simply refers to filing done through an online method. This system came into effect on 1st April 2013, and the home loan borrowers can now file a Notice of Intimation via online method. 

It has been specified in Section 89B of the Registration Act of 1908 and is done through the deposit of title deeds in case of the mortgage. There is a solid reason behind the introduction of the Notice of Intimation for a home loan. 


Earlier, some lending and borrowing parties practised fraudulent activities related to purchasing and selling a home. Some properties showed multiple registrations, which caused losses to the borrowers. 


On the other side, there was evidence of multiple home loans from different financial institutions against a single home which harmed the lending institutions. To bring an end to these harms and losses, the filing of NOI was introduced. 


As mentioned above, the time limit for e-filing of a Notice of Intimation for a home loan is 30 days from the disbursement of the first loan amount. If a borrower fails to file the Notice of Intimation, then the borrower is liable for punishments as mentioned in Section 89C of the Registration Act.

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Step-by-step Guide for the e-Filing Process

Follow the steps mentioned below to complete the e-filing process of the home loan Notice of Intimation:

  • Step 1: Pay the required stamp duty charges

  • Step 2: The Government Receipt Accounting System (GRAS) will then accept the filing fees and stamp duty payment charges

  • Step 3: Upload your passport-size photo and signature

  • Step 4: An officer from the financial institution will authorise your application

  • Step 5: Send a photocopy and original notification to the sub-registrar’s office

  • Step 6: The sub-registrar will check the authenticity of the documents and validate them.

  • Step 7: After that, the sub-registrar will provide a receipt regarding the filing fee and documentation fee.

NOI Charges for a Home Loan

Following are the Notice of Intimation charges for a home loan:

  • You will need to pay a filing charge of ₹1,000, irrespective of the loan amount.

  • There is flexibility in the payment of Stamp Duty and Filing Fees online via the Government Receipt Accounting System (GRAS)

  • During physical filing, you can pay the fee using any convenient payment mode

  • There is a document handling expense of ₹300 that you will need to pay, while physical filing only

  • You can also pay the fees via cheque at the Sub-Registrar’s office, but you will have to pay the document processing fees in cash

Procedure for the Registration of Agreement

The NOI needs to be filed in case an agreement is not executed between the mortgagor and the mortgagee. In this case, within 30 days of the disbursement of the loan, a Notice of Intimation must be filed with the sub-registrar. 


By following this simple process, you can register the agreement: 

  • There are certain guidelines and a prescribed format for preparing the notice. Make sure you prepare the notice accordingly.

  • In the next step, you have to pay for the stamp duty. You must be careful while paying for the right stamp. If you have paid for the stamp duty on other documents of the same loan, you need to pay ₹100 for NOI.

  • You can pay for the stamp duty either offline at the office or online through GRAS (Government Receipt Accounting System).

  • The mortgagor's signature and thumb impression, along with their photographs, must be attached to the documents.

  • Now, the mortgagor needs to submit all the documents along with the photocopy at the office of the Sub-Registrar within the deadline of 30 days.

After submission, the Sub-Registrar verifies all the documents and the stamp duty. After his approval, the mortgagor receives a receipt for the payments made and an acknowledgement of submission of the notice for the housing loan.

Contact information: Queries and Grievances

In case you have any queries, you can contact the following offices:


Name of the office

Mobile No.

Phone No.


Deputy Inspector General of Registration, Pune




Deputy Inspector General of Registration, Mumbai




Deputy Inspector General of Registration, Thane




Deputy Inspector General of Registration, Nashik




Deputy Inspector General of Registration, Aurangabad




Deputy Inspector General of Registration, Latur




Deputy Inspector General of Registration, Nagpur




Deputy Inspector General of Registration, Amaravati



Disclaimer: Aforementioned contact details are subject to change and hence need to be verified before proceeding. 


If you are unclear regarding the preparation of documents, it is ideal to contact the lender. 


Before availing a home loan, you need to be aware of the Notice of Intimation and under what conditions you need to apply for this document. This helps you avail home loans without much hassle.


Furthermore, if you are looking for loan offers at affordable home loan interest rates, you may check out some of the top home loan lending partners on Bajaj Markets. Compare various options and finalise a lender that best matches your requirements.

Notice of Intimation FAQs

What is the time limit for filing of notice?

The Notice of Intimation for a home loan must be filed within 30 days from the disbursement of the first loan amount.

What is the mode/process of filing?

Both online and physical mode of filing a Notice of Intimation is made available by almost all banks and financial institutions.

Where does the notice have to be filed?

The filing of NOI has to be done at the sub-registrar’s office, which holds the jurisdiction of the particular property.

Are there fixed days allotted for physical filing?

The filing of a Notice of Intimation for a home loan could be initiated on all working days.

What is the actual process of physical filing, and what are the essential documents required?

There is a prescribed format for the notice in which you need to prepare your NOI and then attach the proper stamp by paying for it. The photo, thumb impression, and signature of the mortgagor need to be accurately entered.

A banker or employee of the financial institution will verify and approve the document. Finally, the NOI, along with a photocopy, has to be submitted to the sub-registrar office. 

If the mortgagor pays for stamp duty on another document and ₹100 for the notice, then the true attested copy of another document has also to be submitted. The sub-registrar verifies and approves the stamp duty and passes the receipt of the filing. 

After this, you get an acknowledgement of the submission of NOI.

Is Notice of Intimation mandatory for a home loan?

No, the NOI is not mandatory while getting a home loan if it is already mentioned in the agreement. However, if it is not included in the agreement, it would be best to file it within 30 days of the date of the mortgage.

What is the charge of NOI in Mumbai?

The NOI charge in Mumbai is ₹1,000.

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