Loan / sanction letter
from the bank or lender
Charge Registration Advisory
CHG-1 (Charge Creation)
Quick Reference for Your Business
Loan Taken · Charge Registration – everything you need to know about CHG-1.
01
Documents Required
Charge / hypothecation / mortgage deed
For security
Board resolution
authorising the charge
Particulars of the property / assets
charged
DSC
of director and the charge holder (bank)
02
Key Facts & Timelines
| Point | Details |
|---|---|
| What it is | Registering a charge (security) created on company assets for a loan |
| When to file | Within 30 days of creating the charge |
| Extension | Up to 60 days (with additional fee), then up to 120 days (ad valorem fee) |
| Filed by | Company; if it fails, the charge holder (bank) can file |
| Certificate | ROC issues CHG-2 registration certificate |
Note: File CHG-1 whenever your company takes a secured loan — bank term loan, working capital, vehicle/equipment finance against company assets. Banks usually insist on it. An unregistered charge is not valid against a liquidator or other creditors.
03
What to Watch
30-day filing window
Late filing attracts additional fees and needs a more involved approval route.
Correct charge details
The lender, assets and amount must match the security documents exactly.
Valid DSCs
Keep the company director and charge holder signing credentials ready.
Future amendments
Modification or satisfaction of the charge needs a separate MCA filing.
04
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