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this memorandum of the possible release its actually its 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 banks perspective is that they their mortgage is more secure because the is also being reflected in the incumbent certificate its also being registered to the concerns of Register Office theyre from and from the state perspective its the revenue to the Exchequer is increased by virtue of memorandum the power spread which unfortunately we see many states in India still doesnt have the facility for memorandum of capacity of title deeds and it is high time that both Reserve Bank
