law: Transfer of Property Act, 1882
  63. Accession to mortgaged property
  Where mortgaged property in possession of the mortgagee has,
  
  during the continuance of the mortgage, received any accession, the mortgagor,
  
  upon redemption shall, in the absence of a contract to the contrary, be
  
  entitled as against the mortgagee to such accession.
  Accession acquired in virtue of transferred
  
  ownership- Where such accession has been acquired at the expense of
  
  the mortgagee, and is capable of separate possession or enjoyment without
  
  detriment to the principal property, the mortgagor desiring to take the
  
  accession must pay to the mortgagee the expense of acquiring it. If such
  
  separate possession or enjoyment is not possible, the accession must be
  
  delivered with the property; the mortgagor being liable, in the case of an
  
  acquisition necessary to preserve the property from destruction, forfeiture or
  
  sale, or made with his assent, to pay the proper cost thereof, as an addition
  
  to the principal money, with interest at the same rate as is payable on the
  
  principal, or, where no such rate is fixed, at the rate of nine per cent per
  
  annum.
  In the case last mentioned the profits, if any, arising from the
  
  accession shall be credited to the mortgagor.
  Where the mortgage is usufructuary and the accession has been
  
  acquired at the expense of the mortgagee, the profits, if any, arising from the
  
  accession shall, in the absence of a contract to the contrary, be set off
  
  against interest, if any, payable on the money so expended.