Affidavit Typing for Loan Settlement: Hindi Affidavit to Editable DOCX

What a Loan Settlement Affidavit Contains

A loan settlement affidavit is a sworn declaration drawn on a non‑judicial stamp paper that sets out facts agreed between a borrower and a lender, typically a bank, to close a loan account. In Hindi, the document usually states the names of the parties, the loan account number, the settled amount, the date the settlement was agreed, and a promise that no further claim remains. The affidavit may also reference the corporate identity of the borrower if it is a partnership firm or a company. In our experience with affidavits submitted to institutions such as Bank of Baroda, the text often describes the branch location and includes a notarial section with the notary’s signature, seal, and registration details. The affidavit structure is standardised, but handwritten originals can vary in layout and legibility, which is where a typed copy becomes valuable.

Why You Might Need a Typed Copy of Your Affidavit

A typed version makes it easier to submit the affidavit digitally, extract key details, or create clean duplicates for multiple authorities. Banks often accept scanned uploads these days, but a typed DOCX is searchable, editable, and clearer than a photograph of a handwritten document. In loan settlement cases, you may need to send the affidavit to different departments, legal advisors, or a notary for certification. A typed copy also helps you verify the contents if the original is faded or written in a style you struggle to read. For instance, when a partnership firm settled a loan in Basti, Uttar Pradesh, the partners used a typed version to check all names and figures before proceeding with further formalities.

AI‑Powered Typing vs Notarised True Copies: Understanding What You Get

Lekhak’s AI typing service converts a scanned image of your affidavit into a formatted DOCX in minutes, but it does not produce a notarised true copy. The output is an editable digital reproduction of the text and layout visible in the original. A notarised true copy, on the other hand, is a physical or electronic document that a notary public certifies as identical to the original after comparing them. This second step must be done by a notary; the typed DOCX can serve as the source material for that comparison, saving you time, but the notary’s seal and signature are applied manually, not through AI.

What Lekhak’s AI Typing Service Delivers

Upload a scan of your Hindi affidavit on non‑judicial stamp paper, and Lekhak returns a DOCX file within minutes. The service uses OCR trained on Devanagari script to extract text while preserving the original structure: left‑to‑right alignment, line breaks, and any bilingual content such as English bank names or case references. The output carries no watermark or stamp imprint image; it reproduces the letters and words that were legible. If the source affidavit uses a specific heading like “शपथ पत्र” followed by a sworn declaration, the DOCX will reflect that exactly. You can download the file and edit it immediately, add your name, today’s date, or any missing details, without re‑typing from scratch. Pricing is per page, and you can check current rates on the pricing page after signing up.

When You Need Notarisation of a True Copy

If a bank, court, or government office insists on a “true copy” backed by a notary’s certificate, you must visit a notary public. The notary will compare the original affidavit with your DOCX printout, confirm they match, and affix the notary’s stamp, signature, and register entry. This step is separate from AI typing; Lekhak does not offer notarisation services, and the typed DOCX alone does not carry legal sanctity. The Notaries Act, 1952 governs how notaries operate in India, and it is the notary’s certificate, not the typing, that gives a true copy its evidentiary value. For routine digital submissions, however, many banks accept a self‑attested typed version without notarial seal, and that is where the instant DOCX is completely sufficient.

Relevant Laws Governing Affidavits and Stamp Papers in India

Three central statutes shape the legal landscape for loan settlement affidavits. The Indian Stamp Act, 1899 mandates that an affidavit be executed on stamp paper of appropriate value; non‑judicial stamp papers are used for affidavits that are not filed in court proceedings. The Oaths Act, 1969 defines who can administer oaths and affirms the solemnity of a sworn declaration, while the Reserve Bank of India provides guidelines on the settlement of non‑performing assets, which often prescribe the affidavit format for closing the account. Together, these laws ensure the affidavit is legally recognisable. A typed copy that faithfully reproduces the original does not alter the legal effect, but the typing service itself does not interpret or modify any content.

How to Obtain a Duplicate Affidavit if the Original Is Lost or Damaged

If the original affidavit is lost, a typed copy from Lekhak cannot replace the signed original. You would need to approach the notary who authenticated the original and request a certified copy from the notarial register. In practice, notaries maintain records of the documents they notarise, and a duplicate can be issued with the same details, though a fresh court fee stamp may be required. If the notary is unavailable, the concerned bank branch or court where the affidavit was submitted might have a signed copy on record. The typed DOCX can help you reconstruct the content while you follow these steps, but it does not substitute for the notarised original.

Frequently Asked Questions

What is a non‑judicial stamp paper, and how does it differ from a judicial stamp paper?

A non‑judicial stamp paper is used for agreements, affidavits, and general declarations that are not filed in court. Judicial stamp paper is used specifically for court‑fee payments in litigation. The Stamp Act prescribes different stamp duty rates depending on the state, and the affidavit must be executed on the correct type to be legally valid.

Can I use Lekhak’s typed DOCX directly for a bank loan settlement submission?

Yes, if the bank accepts a digital copy for record, the typed DOCX is sufficient. Many institutions, including Bank of Baroda, accept scanned and typed versions for internal processing. For final settlement discharge, check whether a notarised true copy is demanded; if not, the typed document works as a clean reference.

Does Lekhak provide notarisation or true‑copy certification?

No. Lekhak delivers an editable typed DOCX, not a notarised true copy. Notarisation must be arranged by you through a notary public, who will compare the typed output with the original and apply the required seal and signature.

How accurate is the Hindi typing from a handwritten affidavit?

Lekhak’s AI OCR is trained on Devanagari script and handles common handwriting styles well, but accuracy depends on legibility. In past documents from regions like Basti, Uttar Pradesh, clear standard handwriting returned character accuracy above 95%. Faded ink, overlapping strokes, or poor image quality can reduce accuracy, but you can edit any errors in the final DOCX.

What if my affidavit contains both Hindi and English text?

The typing engine recognises mixed‑script content. English terms such as bank names, loan account identifiers, or legal references are preserved in the DOCX alongside the Hindi text. The output maintains the original language flow; you will not need to separately re‑type the English portions.

Can I edit the typed DOCX after downloading it?

Absolutely. The DOCX is a fully editable Microsoft Word document. You can correct any misinterpretations, add personal details like your full name or address, change dates, or prepare a fresh draft for a notary. No formatting locks are applied.

Is there a free trial to test the typing service?

Yes, every new Lekhak account receives 250 free credits, which is enough to type several pages at no cost. You can upload your scanned affidavit and see the typed DOCX without entering payment details.

How long does it take to receive the typed DOCX after upload?

The AI processes a standard affidavit page in under two minutes. Once the typing is complete, you can download the DOCX immediately from your dashboard. There is no queue and no manual review delay.

What file formats can I upload for the typing service?

You can upload PDF, JPG, PNG, WebP, or TIFF files. If your affidavit is saved as a Word document but contains inserted images of the handwritten text, upload the original scan in an image or PDF format for best results.

Will the typed DOCX retain the layout and alignment of the original affidavit?

The DOCX preserves the paragraph structure, line breaks, and basic alignment of the source text. However, decorative elements like the stamp paper’s watermark, borders, or notarial stamps are not reproduced as images, only the legible text.