Satisfaction of Charge (S.82)
Satisfy charge after loan repayment: obtain NOC, file CHG-4 within 30 days. Satisfaction of Charge (S.82) takes 3 steps over about 51 days and is filed with the ROC on CHG-4.
Last updated: 10 August 2026
What if it’s filed late?
MCA charges additional fees that rise with the delay, up to 12 times the normal filing fee. OnCompliance tracks the date and warns you before it costs anything.
What is the timeline for Satisfaction of Charge (S.82)?
3 steps over about 51 days, filing CHG-4 with the ROC. Each deadline below runs from the step before it.
| # | Step | Form filed | Deadline |
|---|---|---|---|
| 1 | Obtain NOC from Lender | None | within 14 days |
| 2 | File CHG-4 with ROC | CHG-4 | within 30 days |
| 3 | Update Register of Charges | None | within 7 days |
What are the steps, in order?
The 3 steps below run in order; the day counts show how long each one allows.
Obtain NOC from Lender
Obtain No Objection Certificate from the lender confirming full repayment.
File CHG-4 with ROC
File satisfaction of charge within 30 days of repayment.
Update Register of Charges
Update register noting satisfaction of charge.
- Register of Charges updated with satisfaction
Every guide runs like this in OnCompliance: steps in order, dates in view, paperwork made for you at each step.
Common questions
How long does Satisfaction of Charge (S.82) take?
About 51 days across 3 steps. The first step is: Obtain NOC from Lender.
Which MCA form is filed for Satisfaction of Charge (S.82)?
CHG-4.
What does it cost if CHG-4 is filed late?
MCA charges additional fees that rise with the delay, up to 12 times the normal filing fee.
Can OnCompliance run Satisfaction of Charge (S.82) for me?
Yes. OnCompliance runs the same steps in order, dates in view, with the paperwork made for you at each step.