Charge Filing — CHG-1, CHG-4, CHG-9
File creation, modification, and satisfaction of charges with RoC. CHG-1 (creation/modification), CHG-4 (satisfaction), CHG-9 (late filing). Section 77-87 compliance.
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What You Need to Know
Charge filing is mandatory when a company creates a charge (mortgage, pledge, hypothecation) on its assets to secure a loan/debt. Under Sections 77-87 of Companies Act 2013:
- CHG-1: Creation or modification of charge — file within 30 days (extendable to 120 days with additional fee)
- CHG-4: Satisfaction of charge — file within 30 days of repayment/release
- CHG-9: Registration of charge by charge holder (if company defaults)
Key MCA Updates (2025–2026)
DIR-3 KYC: Now triennial (every 3 years) from 31 Mar 2026 — no longer annual. Rule 9B Demat: Mandatory for non-small private companies by 30 Jun 2025. Small Company: Revised thresholds — paid-up capital ≤₹4Cr, turnover ≤₹40Cr (from 1 Dec 2025). Compliance Facilitation Scheme 2026: File overdue annual returns/financials.
What is Charge Filing?
Registration of security interest on company assets:
- Charge creation (CHG-1): When company borrows against assets — filed within 30 days
- Charge modification: When terms of charge change — filed via CHG-1
- Charge satisfaction (CHG-4): When loan is repaid and charge released — within 30 days
- Late filing (CHG-9): If company fails to file, charge holder can file
- Condonation of delay: Central Government approval for filing beyond 300 days
- Applies to: bank loans, debentures, mortgages, hypothecation, pledges
Why is Filing of Charge Forms Important?
Legal Compliance
Mandatory under Companies Act 2013 / LLP Act 2008.
RoC Filing Required
Must be filed with Registrar of Companies within prescribed timeline.
Penalty Avoidance
Non-filing attracts ₹100/day penalty (no cap) + officer prosecution.
Business Continuity
Keep corporate records accurate for banking, contracts, and compliance.
Stakeholder Confidence
Accurate MCA records build trust with investors, lenders, and partners.
Quick Process
TaxClue handles the complete filing — CS-managed, 100% online.
Benefits of Filing of Charge Forms
| Benefit | Description |
|---|---|
| Legal Compliance | Meet Companies Act / LLP Act filing requirements |
| Penalty Avoidance | File on time — avoid ₹100/day penalty (no cap) |
| Accurate Records | MCA records match current business reality |
| Banking & Finance | Updated records needed for loans, accounts, funding |
| Investor Confidence | Clean compliance record for due diligence |
| Business Transactions | Required for M&A, share transfers, contracts |
Is This Right For You?
Borrowing Companies
Bank loan charge creation.
Asset-Backed Loans
Factory/equipment hypothecation.
Property Mortgages
Immovable property charges.
Loan Repayment
Charge satisfaction on repayment.
Debenture Issuance
Secured debenture charge.
Late Filing Cases
Condonation of delay applications.
Eligibility Criteria
| Requirement | Details |
|---|---|
| Entity Type | Private Ltd, Public Ltd, OPC, LLP, Section 8 (as applicable) |
| Board Resolution | Required for most corporate changes |
| Shareholder Approval | Special/ordinary resolution as per Companies Act |
| MCA Portal | Filed on MCA V3 portal with DSC |
| Timeline | Within prescribed period (varies by form — typically 15-30 days) |
| CS Certification | Required for certain forms (companies with paid-up capital >₹10Cr or turnover >₹50Cr) |
Documents You'll Need
PAN + Aadhaar
Of directors/partners/applicant
Company Proof
CoI / LLP Agreement / CIN
Board Resolution
Authorising the specific change
MCA Forms
Service-specific e-forms
Supporting Docs
As required for the specific filing
DSC
Digital Signature of authorised signatory
Prepared by TaxClue
Board resolutions, MCA e-forms, supporting documents, and complete filing — all handled by our CS team.
Step-by-Step Process
Consultation
TaxClue assesses the requirement, applicable sections, and filing strategy.
Board Resolution & Documentation
Draft Board/shareholder resolution, prepare supporting documents.
MCA e-Form Preparation
Prepare the specific MCA form with all required fields and attachments.
DSC & Filing
Affix Digital Signature and file on MCA V3 portal.
RoC Processing
Registrar reviews. STP (Straight Through Process) or manual approval.
Confirmation & Compliance ✅
RoC approval/certificate received. Records updated. Post-filing compliance advised.
Turnaround Time
| Step | Timeline |
|---|---|
| Consultation + document collection | 1–3 days |
| Board resolution + form preparation | 2–3 days |
| MCA filing | 1 day |
| RoC processing (STP forms) | 1–3 days |
| RoC processing (manual approval) | 7–15 days |
| Total | 5–20 working days |
Government Fees & Charges
| Component | Amount |
|---|---|
| MCA filing fee | ₹200–₹6,000 (based on authorised capital) |
| Additional fee (late filing) | ₹100/day of delay (no cap) |
| Stamp duty (if applicable) | Varies by state and document type |
| DSC (if needed) | ₹1,500–₹2,500 |
Ongoing Compliance
| Compliance | Deadline | Details |
|---|---|---|
| Annual Return (MGT-7/7A) | Within 60 days of AGM | Filed with RoC |
| Financial Statements (AOC-4) | Within 30 days of AGM | Audited financials |
| AGM | Within 6 months of FY-end | Board + member meeting |
| Board Meetings | Min 4/year (gap ≤120 days) | Company: 4; OPC: 1 exempt conditions |
| DIR-3 KYC | Every 3 years (from 31 Mar 2026) | Was annual; now triennial |
| Statutory Audit | Before AGM | Mandatory for companies |
| INC-20A (Commencement) | Within 180 days of incorp | Post-Nov 2018 companies |
| Demat Compliance | 30 Jun 2025 (non-small Pvt) | Rule 9B mandatory |
Penalties for Non-Compliance
| Default | Penalty |
|---|---|
| Non-filing of annual return/financials | ₹100/day delay (no cap) + officer penalties under Sec 92/137 |
| Non-compliance with Board resolution | Company + officers liable; ₹1L–₹5L fine |
| Operating without required registrations | Prosecution under Companies Act; RoC action |
| Non-filing of allotment return (PAS-3) | ₹1,000/day penalty; allotment may be void |
| Non-compliance with demat (Rule 9B) | Physical transfers invalid after deadline; company + officers penalised |
| Director acting while disqualified | Imprisonment up to 1 year + fine ₹1L–₹5L (Section 167) |
| Non-filing of DIR-3 KYC | DIN deactivated; ₹5,000 reactivation fee |
| False declaration in MCA forms | Imprisonment up to 6 months + fine; Section 448/449 |
Why Choose TaxClue?
CS/CA Managed
Practising Company Secretary handles all MCA filings.
End-to-End
Resolution drafting to RoC approval — complete management.
Fast Filing
Quick turnaround with zero RFI (Request for Information) rate.
2026 Updated
Current with all MCA amendments and notifications.
100% Online
Everything handled digitally.
5,000+ Filings
4.9/5 Google rating.
TaxClue's Process
Consultation
Assess requirement and plan filing strategy.
Documentation
Resolutions, forms, and supporting documents.
MCA Filing
Submit on MCA V3 portal with DSC.
Approval & Compliance ✅
RoC confirmation received. Post-filing advisory.
What Our Clients Say
Filing of Charge Forms Across Industries
Entity Comparison
| Parameter | Pvt Ltd | Public Ltd | OPC | LLP |
|---|---|---|---|---|
| Governing Law | Companies Act 2013 | Companies Act 2013 | Companies Act 2013 | LLP Act 2008 |
| Min Directors | 2 | 3 | 1 | 2 (Partners) |
| Min Members | 2 | 7 | 1 | 2 |
| MCA Filing | Yes | Yes | Yes | Yes |
| Annual Filing | MGT-7A, AOC-4 | MGT-7, AOC-4 | MGT-7A, AOC-4 | Form 11, Form 8 |
| Audit | Mandatory | Mandatory | Conditional | Conditional |
| Demat (Rule 9B) | Non-small: 30 Jun 2025 | Already mandatory | Small exempt | N/A |
Frequently Asked Questions
MCA Amendments
- 31 Dec 2025DIR-3 KYC Amendment — triennial filing (every 3 years) replaces annual. Effective 31 Mar 2026.
- 1 Dec 2025Small Company thresholds revised — paid-up capital ≤₹4Cr, turnover ≤₹40Cr (was ₹2Cr/₹20Cr).
- Feb 2025Rule 9B — mandatory demat for non-small private companies. Deadline 30 June 2025. No further extension.
- 2026Companies Compliance Facilitation Scheme 2026 — file overdue annual returns and financial statements.
- Feb 2026New Regional Directors and ROCs established effective 16 Feb 2026.
- 2025PAS-3 Amendment Rules 2025 — updated allotment filing requirements.
- OngoingCompanies Act 2013 + Rules remain primary framework. MCA V3 portal for all filings.
Real Clients. Real Results.
Bank Loan — CHG-1 — Mumbai
₹50Cr term loan charge creation. CHG-1 filed within 10 days of sanction.
Loan Repayment — CHG-4 — Delhi
5 charges satisfied on full loan repayment. All CHG-4 filed. Clean charge register.
Filing of Charge Forms —
CS-Managed, Fast, Fully Compliant.
Board resolution, MCA form, RoC filing, and compliance — all handled by our CS team.