# Last EMI paid, documents still with the bank. Did anyone claim ₹5,000 a day?

**URL:** <https://community.butter.money/t/last-emi-paid-documents-still-with-the-bank-did-anyone-claim-5-000-a-day/167>\
**Category:** General\
**Tags:** documents, foreclosure, poll\
**Created:** [October 23, 2026, 4:59am UTC](https://community.butter.money/t/last-emi-paid-documents-still-with-the-bank-did-anyone-claim-5-000-a-day/167 "2026-10-23T04:59:52Z")\
**Posts on this page:** 1\
**Page:** 1

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**Author:** ![mktg\_admin](https://community.butter.money/letter_avatar_proxy/v4/letter/m/3ab097/32.png) [@mktg\_admin](https://community.butter.money/u/mktg_admin)\
**Post date:** [October 23, 2026, 4:59am UTC](https://community.butter.money/t/last-emi-paid-documents-still-with-the-bank-did-anyone-claim-5-000-a-day/167/1 "2026-10-23T04:59:52Z")

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Since December 2023, RBI requires lenders to return all your original property documents within 30 days of full repayment. If they’re late, they owe you ₹5,000 for every day of delay. [Financial Express has a refresher on the rule](https://www.financialexpress.com/money/last-emi-paid-but-no-loan-noc-know-the-30-day-rule-and-rs-5000-penalty-4367044/)

On paper, a bank that hands over your sale deed 45 days late owes you ₹2.25L.

What the rule actually covers:

- It applies to banks, NBFCs and HFCs alike
- Originals go back within 30 days, and any charge registered against the property has to be removed in that time too
- You can collect them at the branch that serviced the loan or at the office where the documents are kept, and the sanction letter is supposed to say which
- If the lender has lost the originals, it has to help you get certified copies, pay for that, and compensate you as well

What we see people miss when they close a loan:

- An NOC isn’t the same as getting your documents back. Ask for the complete list you handed over at disbursement, including the link documents, not just the sale deed
- If your mortgage was registered at the sub-registrar, you also need a release deed, or the EC keeps showing the property as mortgaged
- Check your CIBIL report a month later and make sure the loan shows as “closed”, not still active

_Poll ([view on site](https://community.butter.money/t/last-emi-paid-documents-still-with-the-bank-did-anyone-claim-5-000-a-day/167/1))_

If you claimed, what did the bank say when you raised it?