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Bank mortgage deed cost calculator
Scoped to the case people actually search for: a registered mortgage in favour of a bank or financial institution against a loan. Both main charges are slabbed with caps, which is exactly where rough estimates go wrong — the second slab's cap is lower than its uncapped percentage on most loans.
Worked example — an ৳80,00,000 loan: stamp duty ৳5,000 (the ৳50 lakh–1 crore band). Registration fee: 0.10% of the loan is ৳8,000, but the slab caps it at ৳5,000. E-fee ৳100, affidavit ৳300. Total ৳10,400, plus copying per page. On a ৳3,00,00,000 loan the stamp becomes ৳5,000 + 0.1% of the ৳2 crore excess = ৳25,000, while the fee stays capped at ৳5,000.
Calculate the cost of a bank mortgage deed
For a registered mortgage in favour of a bank or financial institution. Copying fees per page are charged at the office and are not estimated here.
The two slabs, side by side
| Loan amount | Stamp duty (item 39(2)) | Registration fee (section 78A(c)) |
|---|---|---|
| Up to ৳5 lakh | Part of the first band below | 1% — min ৳200, max ৳500 |
| Above ৳5 lakh, up to ৳20 lakh | — | 0.25% — min ৳1,500, max ৳2,000 |
| Above ৳20 lakh, up to ৳50 lakh | ৳2,000 (band runs to ৳50 lakh) | 0.10% — min ৳3,000, max ৳5,000 |
| Above ৳50 lakh, up to ৳1 crore | ৳5,000 | 0.10% — capped at ৳5,000 |
| Above ৳1 crore | ৳5,000 + 0.1% of the excess over ৳1 crore | 0.10% — capped at ৳5,000 |
The pattern to notice: above ৳20 lakh the registration fee is effectively a flat ৳5,000 on any realistic loan, because 0.10% passes the cap almost immediately. Estimates that keep multiplying 0.10% (or worse, 1%) by large loans overstate the fee many times over.
Questions
How much does a bank mortgage deed cost to register?
Two slabbed charges on the loan amount, plus small fixed fees. Stamp duty (Schedule I, item 39(2)): ৳2,000 up to a ৳50 lakh loan, ৳5,000 up to ৳1 crore, then ৳5,000 plus 0.1% of the amount above ৳1 crore. Registration fee (section 78A(c)): 1% up to ৳5 lakh (min ৳200, max ৳500), 0.25% from ৳5–20 lakh (min ৳1,500, max ৳2,000), 0.10% above ৳20 lakh (min ৳3,000, max ৳5,000). On an ৳80 lakh loan the total is ৳10,400.
Is there source tax on a mortgage deed?
No. Mortgage deeds are exempt from the section 125 source tax (Income Tax Act 2023, section 125(3)). The calculator shows the exemption as a ৳0 line, because an absent line reads as an omission and a zero line with its citation reads as a check performed.
Does this cover a mortgage to a private lender?
No — deliberately. The stamp treatment of a private (non-bank) mortgage under item 39(1) of the Schedule could not be confirmed from the Schedule text, so this calculator covers the searched, standard case — a mortgage in favour of a bank or financial institution — and says so, rather than guessing at the private case.
Is stamp duty ever waived on a mortgage?
Yes: stamp duty is waived on housing loans from housing-finance institutions (not commercial banks), per sub-registry guidance issued in August 2026. Proof of submission of an income tax return (PSR) is required for loans above ৳20 lakh.