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This memorandum of the possible release it's actually it's got a threefold advantage see suppose you want to buy a property, but you want to buy from somebody you want to check whether that person has taken a loan or bank from a bank if this document has been compulsively registered to the records of some branch office the lien is marked in the encumbrance certificate so once you cross-check the encumbrance and if you get the name of the band Philip hearings at EC this is from the bias point of view from the bank's perspective is that they their mortgage is more secure because the is also being reflected in the incumbent certificate it's also being registered to the concerns of Register Office they're from and from the state perspective it's the revenue to the Exchequer is increased by virtue of memorandum the power spread which unfortunately we see many states in India still doesn't have the facility for memorandum of capacity of title deeds, and it is high time that both Reserve Bank of India and the respective state governments step in and ensure that this document is made compulsively registrable document with an option giving that the stamp duty should be very reasonable for registering so that everybody will come forward to have this document registered you
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