How can I get a Certificate of Encumbrance?

The encumbrance certificate is a required document for transferring property and applying for a home loan. It serves as proof of free title/ownership.

It’s crucial to understand that the office of the sub-registrar issues this certificate for a specific length of time. Furthermore, the sub-record registrar’s is based on the registered property records. This indicates that a document that has not been registered at the sub-office recorder’s will not be included in the certification. The burden certificate is valid for a set length of time and does not apply to previously reported or unreported periods.

Certificate of Encumbrance

Documents are required.

o Title deed

o A deed of sale, a partition certificate, a release certificate, or a gift deed are all examples of deeds of sale.

o Number of the registration document, including the date and book number, as well as the applicant’s signature

o Address Proof

o Property details

o Property Registration Document


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How to Apply for an Encumbrance Certificate through the Internet

The process for obtaining an Encumbrance certificate differs by state. You have the option of applying online or offline. It usually takes 15 to 30 days to apply offline. The online process, on the other hand, is faster and can be completed in as little as 2-3 working days.

Offline Processes are:

o Pay a visit to the Sub-Office Registrars in your area.

o Fill out Form 22 completely, including the seller’s name, the buyer’s name, the property’s data, the document type, and so on.

o Pay the required fee

o After successful submission, you will be given a reference number. This information can be used to track the application’s progress online.

Online Processes are:

o Select the EC application option on the official website of the respective State for land registration.

o Up the EC application box, fill in all required fields, and click Save / Update.

o The cost is determined by the length of the requested search.

o View and print the acknowledgment after making a payment.

o Apart from the facts concerning the house, an investigator from the Land Records Office will conduct an examination and check for a period of time.

o After the inspection, an Encumbrance Certificate will be issued for all transactions that occurred during the designated time period. A null EC will be supplied if no exchange was done.

o On the official government website, you can check the status of your application.



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