Online Download Encumbrance Certificate, Check Expire Date | How to Apply Encumbrance Certificate – Encumbrance Certificate is an important document for any sale or purchase of immovable property, citizens who want to buy any type of property. All those citizens should confirm that there is no outstanding loan on that land, this certificate confirms that the subject property is free and clear from all financial and legal encumbrances. Apart from this, the details of all the transactions of the property have also been included under this certificate. In today’s article, we are going to provide you with all the important information related to the Encumbrance Certificate. [Also Read- (Registration) PM Cares for Children Scheme: PM Cares for Children Online Application Form]
About Encumbrance Certificate
Citizens, to get information about whether a property is free from any financial and legal issues or not, you must first get information about the Encumbrance Certificate. This document is a legally issued paper or document of property, by which information is provided that it is not under financial and legal liabilities. Apart from this, information about the condition of the property and the total number and details of its previous owners is also provided through this certificate. The Encumbrance Certificate also provides information on the transfer of ownership and all mortgages of the property. [Also Read- (PMJJBY) Pradhan Mantri Jeevan Jyoti Bima Yojana 2023: Online Application, Application Form]
Overview of Encumbrance Certificate
|Article Name||Encumbrance Certificate|
|Launched By||Central Government Schemes|
|Beneficiaries||Citizens of the country|
|Objective||To check whether the property is subject to any lien or other encumbrances|
|Benefits||Checking whether the property is subject to any lien or other encumbrances|
|Category||Central Government Schemes|
Why Encumbrance Certificate is Necessary
Through this, it is confirmed that the property has a clear title before making the purchase. Apart from this, it can also be confirmed through the Encumbrance Certificate, that the property that a person wants to acquire, the land, is free from all such monetary or legal obligations. Apart from this, it is also necessary to fix any charges on the EC before the transaction, by this certificate it will also be determined that any existing owner has a valid claim on the property or they have taken possession of the property. Illegal claim being made. Along with this, you need the Encumbrance Certificate in case you want to apply for a loan to buy a property. [Also Read- (PMJJBY) Pradhan Mantri Jeevan Jyoti Bima Yojana 2023: Online Application, Application Form]
Types of Encumbrance Certificate
Encumbrance Certificate is received by the citizens in two forms, which are as follows:-
- Form 15
- Form 16
The applicant for whom the certificate has been requested for any property, if any encumbrance exists on that property during that time. So in this case an encumbrance certificate on Form 15 is issued by the sub-office registrar. On the contrary, if no encumbrance is recorded by the property during the period for which the certificate is sought by the applicant. In this case a zero-encumbrance certificate on Form 16 is issued by the same office.
What is a Nil Encumbrance Certificate?
You will be requested to file for an encumbrance certificate in case you need any information for a period. Under this a “Zero Encumbrance Certificate” will be granted in case there is no loan outstanding on the property within a specified time frame, indicating that during that time, no lender had a lien on the property .
How Much Does it Cost to Apply for an Encumbrance Certificate?
Each state has a different application fee for obtaining an Encumbrance Certificate, depending on where the property is located. And in which state the property falls, some famous states charge the following costs for obtaining EC:-
|Andhra Pradesh and Telangana (as on 17 August 2013)||Search and issue of certified EC copy – Rs.200 per certificate Search and issue of EC copy up to 30 years – Rs.200 per certificate Beyond 30 years – Rs.500 per certificate|
|Kerala (as on 31 March 2018)||Single Search & Copy – Rs. 10 additional sheets (over and above the 2 sheets used earlier) – Rs. 10 per sheet|
How to Complete an Online Encumbrance Certificate Application
The procedure for requesting EC varies from state to state; very few states in the country allow online submission of EC applications by all interested applicants. Apart from this, citizens of states where online application for Encumbrance Certificate is not allowed, have to go to the office of the appropriate sub-registrar, the procedure for applying online for this certificate is as follows:-
- First of all, you have to go to the official website of your state, after that the homepage of the website will open in front of you.
- On the homepage of the website you have to select the option to apply, then in the application for the encumbrance certificate window, complete all the required fields, then click on save/update.
- Thereafter select “Calculate Fee” after entering the search period for which you require EC.
- After paying the required application fee and submitting your application, you will be taken to the “Acknowledgement” window. You can print the acknowledgement by selecting “View Acknowledgement” from the menu.
- An inspector from the land records department will conduct an inspection and all the information about the property given will be visible for the time being.
- On completion of the inspection, an EC will be presented with all the transactions done within the specified period. If there is no transaction for the entire time, you will be given a zero EC.
Which States Print Encumbrance Certificate Online?
Encumbrance Certificates are generally issued physically throughout India with the exception of a few states. Andhra Pradesh is also included in such states by which these certificates are provided. Apart from this, the states providing this certificate also include the states of Odisha, Kerala, Puducherry, Tamil Nadu and Telangana. The Karnataka government has decided to revert to the offline process on June 10, 2020, for issuing encumbrance certificates and other property related documents due to technical difficulties with the state’s online system, Kaveri Online Service. The administration had also allowed farmers in Karnataka to apply later due to a website glitch, with property registration in the state capital Bengaluru disrupted by the issue.
How to Submit Online Encumbrance Certificate Application
- First of all, you have to go to the appropriate sub-office, there you have to approach the registrar.
- After this you have to get the Form 22, in this form you have to enter the details of all the information asked like name of buyer and seller, location of the property, type of document you are looking for etc.
- Now you have to pay the appropriate fee over the counter, along with that you have to submit the form as well.
- After your application is successfully submitted, you will receive a reference or acknowledgment number. This number can be used to check the status of the online application.
How to Check the Status of Encumbrance Certificate
- First of all, you have to go to the official website of the Government of Kerala, after that the homepage of the website will open in front of you.
- On the homepage of the website, under the “Certificates” menu, in the menu item “Encumbrance Certificate”, select “EC Status”.
- Enter the captcha, enter the Transaction ID that was given to you while submitting the application, and then click on “Check Status”.
- After the certificate appears on the screen, you can download the certificate in PDF format. By following this process you can check the status of the Encumbrance Certificate.
When Can I Expect to Receive an Encumbrance Certificate?
We have just informed you that there are different procedures for obtaining an Encumbrance Certificate at different places. Under this, after 15 to 30 days of submitting a physical application for EC at a sub-office, the registrar will receive you the certificate. On the contrary, if you apply online even after this, then in this case you will be able to get EC more quickly. Under this, the processing time for online applications is generally 2 to 3 working days.
Documents Required for Obtaining Encumbrance Certificate
- Description of the property and details of its title deed.
- The deed number on registration includes the date and book number along with the signature of the applicant.
- Address proof of the applicant.
- property registration document
- Property Sale deed/Gift deed/Partition deed/Release deed if any deed executed earlier
How to Download Encumbrance Certificate of Property
All citizens can track their EC application status online through the state website, in this case you will be able to download the file once it is generated.