Topic: Mortgage deed in the Name of the Bank

I got my loan sanctioned from the State Bank of Mysore for 30 lakhs for construction of a residential project.
Inspite of me keeping all the documents related to the plot in original they are asking me to make TWO DD's
one of 10,000 & another of 3,000 int he sub-registrar office to proceed further.

I have availed previously loans from IDBI and they asked me to sign document related to mortgage but never asked me to go to sub-registrar office and get it registered for a HUGE sum of 13,000/-, Could any of you experts throw more light into this. I am not against mortgaging but the amount to be paid for registrar is too high and even the Karnataka government has no where in its stamp duty or registration has this written.

The bank says this money is not for them but for me this is an outflow from my hand.
And it nearly comes 1000 Rs charge i have to bourne per lakh for a 30 lakh loan amount.

Is this some kind of hidden agenda for the so called Teaser Home Loans. 1500 - legal, 1500 - valuator, 300 - document charges, 7000 - processing fees, 7000 - insurance, 1600 - documentation, 13000 - DD favoring sub-registrar. This comes close to 32,000 as my expenditure to get 30 lakhs of loan for construction.

IS THIS TRUE and FAIR

Thanks
Avinash

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