‘X’ borrows Rs. 500 from ‘Y’ and executes a usufructury mortgage for Rs. 300, the rents and profits to be taken in lieu of interest. ‘X’ covenants in the deed that the payment of balance of Fts. 200 with interest at 2% per month would be compulsory at the time of redemption. Does this covenant amount to a clog or redemption?       (10 marks)