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Encumbrance Certificate for Property Buying

Comments(77) Sub Category:Property Registration,Real Estate Trend Posted On: Jul 01, 2010

property buying

The encumbrance certificate is a mandatory document used in property transactions as an evidence of free title/ownership. When buying a house, flat or plot, it is important to verify that the property does not have any monetary or legal dues. And encumbrance certificate (EC) ensures that there is a complete ownership of the property without any monetary or legal liability. The EC for property can be obtained from the sub-registrar’s office where the particular property has been registered.

Importance of an EC

The encumbrance certificate is important for those applying for a home loan or obtaining a loan against property or when one wants to sell or buy a property. “Encumbrance” means that the liabilities created on a particular property, whereby it is held as a security for any debt of its owner, which has not been discharged as on date. An encumbrance certificate contains all the transactions registered relating to a particular property for a certain period (as required). These details also consist any claims or encumbrance on the property.

Government authorities and financial institutions like banks usually demand 10-15 years of encumbrance. However, you can also ask for up to 30 years encumbrance certificate to be checked. If you still have doubts, you can take a Possession Certificate of the ownership of the particular land, which is available from the village office.

What is Form no. 15 & 16?

The encumbrance certificate is issued in Form No. 15 and 16. If the property does not have any encumbrance during the said period, Form 16 will be issued i.e., certificate of Nil Encumbrance. If the property has any encumbrance registered during the said period, then form No. 15 will be issued. The certificate in form 15 reveals the documents registered with respect to the property, nature of the encumbrance such as gift, partition, lease and mortgage, the parties involved, the registered number of the document and other details in a date-wise manner.

Note that, if you are asking an EC for a particular period, you will get the details only for that period and not more. The details will be given from the entries available in the register available with the sub-registrar.

How to obtain an EC?

Given below is the procedure to obtain an EC.

• First and foremost, obtain the Form 22 from the Tahsildar’s office. Affix it with Rs 2 non-judicial stamp and address to the Tahsildar, giving an attested copy of your residential address and the purpose for which the certificate is required.
• Provide the details of ownership such as correct survey number and place where the property is situated. It is very important that the period and full description of the property are mentioned clearly in the application.
• The requisite fee needs to be paid. The fee is to be paid according to the period of encumbrance. The encumbrance year commences from April 1st of a calendar and closes on March 31st, of the next calendar year. The EC is also usually provided in the regional language. An English translation may be obtained by paying an additional fee.
• The application should be submitted to the jurisdictional sub-registrar’s office, under which the property is registered.

Time Duration?

The time taken to obtain an EC is usually 15-30 working days.

While an EC may give the details of the encumbrance on a property, there are certain documents that are exempt from being registered at the sub-registrar’s office. As such, these will not appear in the EC. Hence, it is advised that the buyer obtains both the EC and possession certificate as a proof of complete ownership of the property.


77 Responses to “Encumbrance Certificate for Property Buying”

  1. manjunath says:

    Am going to buy a plot,legally all docs are ok, then while registering a site (plot) what are all the points I have to take care..pls send me the points..

  2. Sudhakar says:

    I am in the process of buying agriculture land. When we reviewed the EC, there was couple of transactions about loan taken againt the land. Landlord and gurantor signed those documents. Now the landlord is willing to release the loan. Is the gurantor needed to present to release the loan taken again the property.

  3. Sudhakar says:

    Subscribing to this list.

  4. RAKESH says:

    Hi, plz tel me,
    What is difference between EC & Search plot document from SRO.
    Which is the final for plot registertion


  5. RAKESH says:

    Hi, plz tel me,
    What is difference between EC & Search plot document from SRO.
    Which is the final for plot registertion


  6. Bobby A Reddy says:


    I participated in the auction property and succeeded in highest bid and paid the 25% of amount to Bank. After that I have taken the current EC and seen there is no Mortgage details of the Bank. I checked with the Broker sitting beside Registration office. He told properties which are mortgaged after 2008 will reflect in EC and before that it doesn’t. Kindly let me know it is correct and will there be any legal complications in future. Can I can go ahead with paying balance amount to get the registration on my name.

  7. johnywalker says:

    Thanks for sharing your info. I really appreciate your efforts and I will be waiting for your further write ups thanks once again.

  8. Joan Sanders says:

    Very useful info. thank you for sharing this. It helped me know a lot about EC. thank you very much

  9. Rao KB says:

    Is there any way to get EC from Internet?, If we pay amount through ONLINE. Like in Andhra Pradesh, will get it through ESEVA

  10. rudra says:

    Thanks for sharing your valuable information here i got here i got good content about certification of property buying and there limitations

  11. Ramon Danczak says:

    Superb post however I was wondering if you could write a litte more on this subject? I’d be very grateful if you could elaborate a little bit more. Many thanks!

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  16. kumar agrawal says:

    I want to buy a property in Delhi , I asked my vendor for Encumbrance Certificate and also with a advocate and they advised me that you can have a search in sub registrar office or if you want to take loan then the bank pannel lawers will issue NON Emcumbrance Certificate based on the search with the sub registrar office, but their is no provision as such in Delhi and the Sub Registrar does not issue EC. Please advise is this true? or how to get official Non Encumbrance Certificate from authorities.

    Please reply.

  17. the interlace singapore says:

    We stumbled over here from a different website and thought I should check things
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  18. revathi says:

    my fathers native is suleripalya,kollegal(tk),karnataka. he purchased a land before 35 years. now i need the ec of the land from 1965. can u help to get the details through online.

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