Quick answer: MOTD (also written MODT) stands for Memorandum of Deposit of Title Deeds. In banking and home loans, it is the document that records you have handed your property’s original title deeds to the lender as security for the loan. In Telangana, registering it costs about 0.6% of the loan amount.
Updated: October 2026 · By Vijay Arjun, authorised LIC HFL DSA since 2002. Government charges change from time to time — check the current figures with the Telangana Registration Department or your lender before you pay.
What is the full form of MOTD in banking?
MOTD means Memorandum of Deposit of Title Deeds. Banks and housing finance companies use three closely related terms:
- MOTD / MODT — two spellings of the same document, the Memorandum of (Deposit of) Title Deeds. MODT is the formal abbreviation; MOTD is how most people search for it.
- MOD — Mortgage by Deposit of title deeds, the type of mortgage the memorandum creates. It is also called an equitable mortgage.
What does MOTD mean in banking and home loans?
When a bank or housing finance company such as LIC HFL gives you a home loan, it keeps the original documents of your property — the sale deed and the earlier link documents — until the loan is repaid. The MODT is the written record of that deposit: which documents you handed over, for which loan, and on what date. It gives the lender a legal claim on the property if the loan is not repaid, without transferring ownership. You remain the owner.
When is an MOTD required?
Whenever a property is given as security for a loan by depositing its title deeds — most home loans, plot and construction loans, loans against property and balance transfers (where the deeds move from your old lender to the new one). It is executed after the loan is sanctioned and before it is disbursed.
What are MOTD (MODT) charges in Telangana?
The MODT is registered with the Sub-Registrar, and the charges are paid by the borrower to the government — not to the lender. In Telangana they work out to about 0.6% of the loan amount. Example amounts:
| Home loan | Stamp duty (≈0.5%) | Registration fee (≈0.1%) | Total MODT cost (≈) |
|---|---|---|---|
| ₹30 lakh | ₹15,000 | ₹3,000 | ₹18,000 |
| ₹50 lakh | ₹25,000 | ₹5,000 | ₹30,000 |
| ₹75 lakh | ₹37,500 | ₹7,500 | ₹45,000 |
| ₹1 crore | ₹50,000 | ₹10,000 | ₹60,000 |
Illustrations only. Confirm the current rates with the Telangana Registration Department or with us before you plan your budget, along with the other costs of buying a home.
How does the MOTD registration process work?
- Your loan is sanctioned and the property’s legal check is complete.
- You deposit the original title documents with the lender.
- The memorandum is prepared, signed and registered at the Sub-Registrar’s office, and the charges are paid.
- The loan is disbursed.
- When you repay the loan in full, the lender returns your original documents and gives you a no-dues letter, and the mortgage is released.
Which documents are deposited under the MOTD?
Usually the registered sale deed in your name, the chain of earlier sale deeds (link documents), and for under-construction homes the agreement of sale and related builder papers. See the full documents checklist for a home loan.
MODT is one of several one-time costs. For the full list, including stamp duty, registration and mutation, see the hidden costs of buying a flat in Hyderabad and plot purchase costs in Telangana. You get the original documents back when the loan is closed.
Frequently asked questions
Are MODT and MOTD the same?
Yes. In home loans both refer to the memorandum recording the deposit of your title deeds with the lender. MODT is the more common formal term.
Who pays the MODT charges?
The borrower. The stamp duty and registration fee go to the state government, and they are separate from the lender’s processing fee.
Are MODT charges refundable?
No. They are government charges paid at registration, so they are not refunded if you close the loan early.
Is MODT the same as property registration?
No. Property registration (the sale deed) makes you the owner and carries its own stamp duty. MODT registers the lender’s security on that property for your loan.
When do I get my original documents back?
After you repay the loan in full. Collect the originals together with the no-dues letter, and check that every document listed in the memorandum is returned.
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