Mortgage registration and release for loans
दृष्टिबन्धक / धितो रोक्का र फुकुवा
Responsible office
Land Revenue Office (मालपोत कार्यालय), renamed Land Administration Office (भूमि प्रशासन कार्यालय) in 2083
मालपोत कार्यालय / भूमि प्रशासन कार्यालय
01 · Before you apply
Essential information
Legal basis
Land Revenue Act 2034 (as amended 2083); provincial Finance Acts 2083 (fees)
Fee information as of
FY 2083/84
Source updated
2083-03-32 BS (Lumbini and Madhesh Province Finance Acts 2083)
Data confidence
low
02 · Prepare
Documents you need
Bring original documents together with readable photocopies. Names, dates and record details should match across every document.
- Not published in sources found — confirm at the office
03 · At the office
Step-by-step process
- 1
The lender approves the loan and the land is blocked (रोक्का) in the land record.
- 2
Owner and lender register the mortgage deed (दृष्टिबन्धक / धितो बन्धक लिखत) at the Land Revenue / Land Administration Office.
- 3
Pay the service fee by loan amount (and the block fee where applicable).
- 4
After repayment, the lender's release letter is submitted and the block is lifted (रोक्का फुकुवा).
04 · Cost
Fees and charges
Bank/financial-institution mortgage service fee — Bagmati
Rs 2,000 (loan up to Rs 5 lakh); 2,500 (5–10 lakh); 5,000 (10–20 lakh); 8,000 (20–40 lakh); 12,500 (40–80 lakh); 25,000 (80 lakh–1 crore); 50,000 (1–2 crore); 75,000 (2–5 crore); 1,10,000 (5–10 crore); 1,25,000 (10–15 crore); 1,50,000 (15–20 crore); 1,75,000 (20–50 crore); 2,00,000 (50 crore–1 arba); 3,00,000 (above 1 arba)
Block fee (रोक्का दस्तुर) — Bagmati
No separate block fee where a mortgage is registered; blocks ordered by a government office are free; loans from EPF, CIT, SSF, insurers, universities and banks' staff loans: flat Rs 2,000
Rs 1,500 / 1,000 / 500 (loan up to Rs 5 lakh); Rs 2,000 / 1,500 / 1,000 (Rs 5–10 lakh); above that the service-fee table applies
Service fee — Lumbini
Confirming a block for loan renewal: Rs 1,000
Rs 1,000 (up to Rs 1 lakh); 1,500 (1–5 lakh); 2,500 (5–10 lakh); 3,000 (10–20 lakh); 5,000 (20–50 lakh); 20,000 (50 lakh–1 crore); 30,000 (1–2 crore); 65,000 (2–5 crore); 1,00,000 (5–10 crore); 1,50,000 (10–25 crore); 2,00,000 (above 25 crore)
Block fee — Lumbini
Agricultural-loan collateral: registration fee waived, service fee Rs 1,000; EPF/CIT/SSF member loans: 50% off, service fee Rs 500; cooperative loans up to Rs 10 lakh to members: service fee waived
Rs 500 / 500 / 300 (up to Rs 1 lakh); Rs 1,000 / 1,000 / 300 (1–5 lakh); Rs 1,500 / 1,500 / 1,000 (5–10 lakh)
Mortgage service fee — Madhesh
Madhesh Finance Act 2083; same in all area types; the Rs 5–10 crore band limits are garbled in the text — confirm. For an increased (top-up) mortgage, the fee on the new total minus the fee already paid.
Rs 1,200 (loan up to Rs 1 lakh); 1,800 (1–5 lakh); 2,800 (5–10 lakh); 3,500 (10–20 lakh); 5,500 (20–50 lakh); 22,000 (50 lakh–1 crore); 33,000 (1–2 crore); 70,000 (2–5 crore); 1,15,000 (5–10 crore); 1,25,000 (10–15 crore); 1,50,000 (15–20 crore); 2,00,000 (above 20 crore)
Mortgage between individuals (दृष्टिबन्धकी / भोगबन्धकी / लखबन्धकी)
1% of the amount (Bagmati, Lumbini); Madhesh 1% within 3 generations, 1.5% beyond
Release (फुकुवा) fee
Madhesh's Act mentions a block fee (रोक्का दस्तुर) but no rate could be read
Not published in sources found — confirm at the office
05 · Digital options
Online services
06 · Read carefully
Important notes
- Land Revenue Offices were renamed Land Administration Offices (भूमि प्रशासन कार्यालय) by an ordinance in Baisakh 2083; both names are in use.
- From Shrawan 2083 the ministry planned to hand this service to about 35 pilot municipalities/rural municipalities (214 applied); check whether your local level now provides it.
- Step order is indicative: no current citizen charter for this service could be retrieved — confirm at the office.
07 · Where to go
Office information
Website
https://dolma.gov.np08 · Verification