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CHG-4 Charge Satisfaction Filing (Section 82)

Reviewed by CA and CS Team, Patron Accounting LLP ICAI & ICSI Registered| 15+ Years Experience| Last Updated: Verify Credentials →

Service: End-to-end filing of the satisfaction of a charge with the ROC in Form CHG-4.

Fees: CHG-4 filing starting from INR 2,499 (Exl GST and Govt. Charges), per charge.

Timeline: Within 30 days of the loan closure or release of the charge.

Why It Matters: An unsatisfied charge stays on the record and can block new loans, a sale or a deal.

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Charge Satisfaction: Overview and Quick Summary

📌 TL;DR - CHG-4 Filing Services at a Glance

When a loan is repaid and the charge is released, Section 82 requires the company to intimate the ROC of the satisfaction in full in Form CHG-4, within 30 days. A late filing is possible within 300 days on additional fees, after which condonation is needed. On satisfaction, the ROC issues a CHG-5 certificate and the charge is cleared from the record.

Parameter	Detail
Governing Provision	Section 82 with the Registration of Charges Rules, 2014
Form	CHG-4, for satisfaction in full of a registered charge
Timeline	Within 30 days of the payment or satisfaction in full
Late filing	Within 300 days on additional fees; beyond that, CHG-8 condonation
Cost	Patron fee from INR 2,499 (Exl GST and Govt. Charges) per charge
Certificate	ROC issues a Certificate of Satisfaction in Form CHG-5
If not filed	Charge stays on record, blocks new loans, sale and diligence; penalties

CHG-4 services from Patron Accounting cover the filing of the satisfaction once the No Dues Certificate is received, within the 30-day window, and the receipt of the CHG-5 certificate, so your assets show as encumbrance-free. This is the step that is most often missed, and it is exactly what later blocks a loan, a sale or a due diligence. Our team has supported 10,000+ businesses since 2009.

Charge satisfaction is the second half of the charge lifecycle, after the charge was created and registered in CHG-1. It sits within the company’s wider compliance; see our private limited company compliance service for the full cycle, and the registration of a new charge in Form CHG-1 is handled by our related charge service.

What Is Charge Satisfaction?

Charge satisfaction is the closing of a registered charge once the loan it secured has been repaid in full. Filing Form CHG-4 intimates the ROC that the charge is satisfied, so the public record shows the company’s assets as free of that charge.

It is the second half of the charge lifecycle, after the charge was created and registered in CHG-1. Filing it on time keeps the company’s records clean, while skipping it leaves a satisfied charge showing as live, which causes problems the next time the company seeks finance or sells an asset.

Key Terms for CHG-4 Filing:

Satisfaction of charge: The full repayment and release of a charge, intimated to the ROC.
CHG-4: The form used to intimate the satisfaction in full of a registered charge.
No Dues Certificate: The lender’s confirmation that the loan is fully repaid, which triggers the filing.
CHG-5: The Certificate of Registration of Satisfaction of Charge the ROC issues.
Stale charge: A repaid charge still showing as live because the satisfaction was never filed.

Filing Window 30 Days

When Is a CHG-4 Filing Required?

A CHG-4 filing is required whenever a registered charge is satisfied in full, typically when a loan is closed.

On loan closure: When the secured loan is fully repaid and the lender releases the charge.
Full satisfaction only: CHG-4 is for satisfaction in full; a part repayment is a modification, filed in CHG-1.
Within 30 days: The satisfaction must be intimated within 30 days of the payment or release.
Late window: Within 300 days on additional fees, after which a CHG-8 condonation is needed.
On refinancing: When a facility is repaid and replaced, the old charge is satisfied and a new one created.

Charge satisfaction sits within the company’s wider compliance; see our private limited company compliance service for the full cycle.

Our CHG-4 Filing Services

Service	What We Do
Release Confirmation	We confirm the loan closure and obtain or review the No Dues Certificate or release letter from the lender.
Form Preparation	We prepare Form CHG-4 with the charge details and the date of satisfaction, and the supporting documents.
Timely Filing	We file the satisfaction with the ROC within the 30-day window, or manage the 300-day window with additional fees if late.
Certificate Follow-Up	We follow up the filing and obtain the CHG-5 Certificate of Satisfaction of Charge.
Old Charge Clean-Up	We identify and clear old, repaid charges that are still showing as live on the ROC records, through the late filing or condonation route.
Register Update	We update the company’s register of charges to record the satisfaction.

Our Process

CHG-4 Filing Process: Step by Step

How Patron clears your satisfied charge, from the No Dues Certificate to the CHG-5 certificate and the register update.

Step 1

Confirm the Closure

Confirm the loan is repaid in full and obtain the No Dues Certificate or release from the lender.

Loan repaid No Dues received

Confirm 01

Step 2

Prepare the Form

Complete Form CHG-4 with the charge details and the date of satisfaction, and attach the supporting documents.

Charge details Date of release

Prepare 02

Step 3

File Within 30 Days

File the satisfaction with the ROC within 30 days of the payment or release.

30-day window ROC filed

File 03

Step 4

Charge-Holder Notice

Where the company files, the ROC may give the charge-holder 14 days to show cause before recording the satisfaction.

14-day notice Show cause

Notice 04

Step 5

Manage Any Delay

Where the window is missed, file within 300 days with additional fees, or seek a CHG-8 condonation beyond that.

300-day window CHG-8 if beyond

Delay 05

Step 6

Obtain the Certificate

Receive the CHG-5 Certificate of Satisfaction of Charge from the ROC.

CHG-5 issued Charge cleared

Certificate 06

Step 7

Update Records

Record the satisfaction in the company’s register of charges.

Record 07

Documents Required for CHG-4

No Dues Certificate or loan closure or release letter from the lender.
Details of the original charge and its registration.
Date of full payment or satisfaction.
Board resolution authorising the filing, where applicable.
Confirmation from the charge-holder, where needed.
Valid DSC of the company signatory.

Need the full checklist? We share a ready CHG-4 checklist when you engage us.

Common CHG-4 Challenges and Solutions

Challenge	Impact	How Patron Accounting Solves It
The filing is simply forgotten	Once a loan is repaid, the satisfaction filing is often overlooked. We track loan closures and file the CHG-4 within the window.
Old charges showing as live	Years-old repaid charges often still appear on the record. We clear them through the late-filing or condonation route.
No Dues Certificate delays	A delay in the lender’s release can hold up the filing. We coordinate with the lender to obtain it in time.
Part payment confusion	A part repayment is a modification, not a satisfaction. We file the correct form so the record is accurate.

CHG-4 Service Fees

Fee Component	Amount
Patron Accounting Professional Fees (per charge)	Starting from INR 2,499 (Exl GST and Govt. Charges)
Scope of the per-charge fee	Release confirmation, preparation and filing of CHG-4, follow-up for the CHG-5 certificate
MCA Filing Fee	Charged on actual basis
Additional fees (late filing or CHG-8 condonation)	Charged on actual basis where the 300-day window or condonation applies

All fees and charges listed are indicative only and do not constitute a binding offer. Final amounts may vary depending on the volume of work and the complexity involved.

MCA filing fees, and any additional fees for a late filing or a CHG-8 condonation process, are separate and charged on actual basis. The exact fee depends on the number of charges and whether a late window applies. Contact us for a detailed quote.

Get a free CHG-4 Filing consultation - Call +91 945 945 6700 or WhatsApp us. No-obligation assessment.

CHG-4 Timeline at a Glance

Stage	Estimated Timeline
Initial intimation window	Within 30 days of the payment or satisfaction in full
Late window	Within 300 days of the satisfaction on additional fees
Beyond 300 days	Condonation of delay from the Central Government in Form CHG-8
Charge-holder notice	ROC may give 14 days to show cause where the company files
Certificate	CHG-5 Certificate of Satisfaction issued by the ROC

Charge satisfaction runs on a 30-day clock from the date the loan is repaid in full. If that is missed, the intimation can still be filed within 300 days on additional fees, and beyond 300 days a condonation of delay from the Central Government is needed. On filing, the ROC records the satisfaction and issues the CHG-5 certificate. We file within the first window wherever possible, so the charge is cleared and the company’s assets show as free.

Key Benefits

Why Choose Professional CHG-4 Support

Filed Within 30 Days

The CHG-4 is filed within the 30-day window from loan closure, so the satisfaction is recorded on time.

Stale Charges Cleared

Old, repaid charges still showing as live are identified and cleared through the late-filing or condonation route.

CHG-5 Certificate Followed Up

The CHG-5 Certificate of Satisfaction is followed up and obtained, confirming the charge is cleared.

Assets Encumbrance-Free

Your assets show as encumbrance-free on the record, ready for finance, a sale or a due diligence.

The Easily-Missed Step Handled

We track loan closures so the most easily forgotten filing in the charge lifecycle is never missed.

Qualified CAs and CSs

Handled by qualified CAs and CSs, with the register of charges and records kept in order.

Trusted by Businesses Across India

10,000+ Businesses Served | 4.9 Google Rating | 50,000+ Documents Filed | 15+ Years

"A repaid loan still showed a live charge and held up our new facility. Patron filed the CHG-4 and cleared the record quickly." - Director, manufacturing company, Pune.

"During a sale due diligence, an old charge surfaced on the records. Patron managed the satisfaction filing and the buyer was satisfied." - Founder, services company, Delhi.

Trusted by leading brands including Hyundai, Asian Paints and Bridgestone for accounting and compliance support.

With offices in Pune, Mumbai, Delhi, and Gurugram, Patron Accounting serves businesses across India - both in-person and remotely.

CHG-4 Satisfaction Compared with CHG-1 Creation

Factor	CHG-4 (this service)	CHG-1 Creation
Purpose	Close a charge after repayment	Register a charge as security
Trigger	Loan repaid in full and released	Charge created on the assets
Timeline	30 days, then 300 days	30 days, then 60 plus 60 days
Certificate	CHG-5 satisfaction	CHG-2 registration

Related Compliance Services

Charge satisfaction sits alongside charge creation and the company’s wider compliance. Patron handles the linked work too.

Private Limited Company Compliance for the full annual compliance cycle.
Secretarial Audit which reviews the register of charges.
ROC Notice handling where a notice is received over a charge.
Compliance Calendar to track charge and filing due dates.
Pvt and LLP Compliance for ongoing entity compliance.

The registration of a new charge in Form CHG-1, and the maintenance of the register of charges, are handled by our related charge services.

Legal and Compliance Framework

Duty to intimate: Section 82 of the Companies Act, 2013 with the Companies (Registration of Charges) Rules, 2014 requires a company to give intimation to the Registrar of the payment or satisfaction in full of a registered charge in Form CHG-4, within 30 days of such payment or satisfaction.

Extended period: On an application by the company or the charge-holder, the Registrar may allow the intimation to be made within 300 days of the satisfaction on payment of additional fees, beyond which the company applies for condonation of delay to the Central Government in Form CHG-8.

Process and certificate: Where the company files, the Registrar may give the charge-holder 14 days to show cause before recording the satisfaction, and on being satisfied enters a memorandum of satisfaction and issues a Certificate of Registration of Satisfaction of Charge in Form CHG-5.

Full satisfaction only: CHG-4 records a satisfaction in full; a part payment is treated as a modification of charge and is filed in Form CHG-1, and a default in intimation attracts a penalty on the company and its officers in default under Section 86.

Refer to the MCA portal for forms and to Section 82 on IndiaCode for the bare provision.

What is Form CHG-4?

Form CHG-4 is the form a company files with the Registrar of Companies to intimate the payment or satisfaction in full of a registered charge, under Section 82 of the Companies Act, 2013. It is filed once the loan secured by the charge is fully repaid and the charge is released, and it clears the charge from the company’s record on the MCA portal.

Within how many days must CHG-4 be filed?

The satisfaction of a charge must be intimated to the Registrar in Form CHG-4 within 30 days from the date of the payment or satisfaction in full. On an application, the Registrar may allow the intimation to be made within 300 days of the satisfaction on payment of additional fees. Beyond 300 days, the company must seek a condonation of delay from the Central Government in Form CHG-8.

What happens if a satisfied charge is not filed?

If the satisfaction is not filed, the charge continues to appear on the company’s records on the MCA portal as if it were still live. This stale charge commonly blocks a fresh loan, the sale of the charged asset and a due diligence, because the assets do not show as free. It can also attract a penalty on the company and its officers in default under Section 86.

What is the CHG-5 certificate?

CHG-5 is the Certificate of Registration of Satisfaction of Charge that the Registrar issues once it records the satisfaction of a charge. The Registrar enters a memorandum of satisfaction in the register of charges and issues the CHG-5 certificate, which confirms that the charge has been satisfied and that the company’s assets are no longer encumbered by it on the record.

Who can file CHG-4, the company or the lender?

Both can. It is primarily the company’s duty to intimate the satisfaction of a charge within 30 days. However, the charge-holder, the lender, can also file the intimation. Where the company files, the Registrar may give the charge-holder a 14-day notice to show cause before recording the satisfaction, but this step is not needed where the charge-holder itself files.

Can CHG-4 be filed after 30 days?

Yes. If the 30-day window is missed, the satisfaction can still be intimated within 300 days of the date of payment, on an application to the Registrar and on payment of additional fees. If even the 300-day period is missed, the company must apply for a condonation of delay to the Central Government in Form CHG-8 before the satisfaction can be recorded.

Is CHG-4 used for a part repayment?

No. Form CHG-4 records the satisfaction in full of a charge. A part repayment, where only some of the secured amount is paid, is not a satisfaction and cannot be recorded as one. It is treated as a modification of the charge and is filed in Form CHG-1 instead, so the record reflects the reduced amount rather than a closure.

Why does an old charge block a new loan?

A new lender, a buyer or a due diligence team checks the company’s charges on the MCA portal. If an old, repaid charge still shows as live because the CHG-4 was never filed, the assets appear encumbered, which can hold up a new facility, an asset sale or a transaction until the charge is cleared. Filing the satisfaction keeps the record clean and the assets free.

CHG-4 kya hota hai?

CHG-4 wo form hai jisse company loan chukane ke baad apni charge yaani security ko ROC record se hatati hai, 30 din ke andar.

Loan chukane ke baad charge na hataye to kya hota hai?

Charge record par live dikhti rehti hai, jo nayi loan, asset ki sale aur due diligence ko rok sakti hai.

Quick Answers

Which form? CHG-4 for satisfaction in full.

Timeline? Within 30 days of repayment.

Late? Within 300 days on extra fees, then CHG-8.

Certificate? CHG-5 from the ROC.

Why File on Time

The satisfaction filing is the one most often forgotten. Once the loan is repaid, the CHG-4 slips through the cracks, and the charge keeps showing as live on the record. Months or years later it blocks a new loan, an asset sale or a due diligence, and clearing it then needs a late filing or a condonation. Filing within the 30-day window keeps the record clean and the assets ready for whatever comes next.

Clear your satisfied charge - Call +91 945 945 6700 or WhatsApp us. We respond within 2 hours.

Clear Your Satisfied Charge with Patron Accounting

Filing the satisfaction of a charge under Section 82 closes the charge lifecycle: file Form CHG-4 within 30 days of repaying the loan, use the 300-day window with additional fees only if needed, and obtain the CHG-5 certificate.

An unsatisfied charge stays on the record and blocks future finance and deals, so the filing matters as much as the original registration. Patron Accounting, with qualified CAs and CSs and offices in Pune, Mumbai, Delhi and Gurugram, files your CHG-4 and keeps your charge records clean.

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Content Created: 3 June 2026 | Last Updated: | Next Review: 4 September 2026 | Reviewed By: CA & CS Team, Patron Accounting LLP

This page is reviewed at least yearly and updated whenever Section 82 or 86, the Registration of Charges Rules, the CHG form set, or the late-filing and condonation structure change. Freshness Tier 1.

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