The Encumbrance certificate (EC) is one of the most essential legal documents for properties which is used to verify the ownership of a property and its status with respect to any legal or financial encumbrances. It is issued by the state registration department.
The most important information needed in the EC is the name of the current owner of the property. While negotiating with the apparent property seller, it is very useful to check whether the seller is registered as the current owner of the property . The EC is also important when you are applying for a home loan or obtaining a loan against property or when you want to sell or buy a property.
An Encumbrance Certificate (EC) contains all the transactions relating to a particular property for a certain period (as required). These certificate also contains any claims or encumbrance on the property. Thus, EC is very important while buying a property, so that it is easy to verify that the property is free from all monetary or legal dues.
How to get EC online
1. Login to Tamil Nadu government official webstie tnreginet.gov.in. Before Applying for the EC online or any other document, the applicants should register on the Official Portal as a Citizen. After signing up, the person will become a registered user.
2. A registered user can now go to ‘E-services’ tab on the homepage, then click Encumbrance Certificate and then Search and apply EC.
3. Enters the EC search parameters with details
The applicant has to fill all the required details like
Location: Zone, district, sub-registrar office.
Time: EC Start date and EC end date.
Survey details: Village, survey number, subdivision number.
House details: Plot no, flat no, door no, ward, block, boundary details, extent and build-up area.
Additional details: Old survey no, TS no, old door no, declared owner, father’s name, any registered document.
4. Once the applicant fills all these details, he can proceed to entering the captcha to search for the EC/encumbrance certificate Tamil Nadu.
5. Once you click on ‘Search’, all the documents pertaining to the details that have been entered will be displayed. Proceed to ‘Apply Online’.
6. Enter your name, contact details and save it and proceed to pay.
Now the applicant can see the payment details, select the pay option to move to the e-payment screen.
7. Choose the bank from which the applicant wish to make the e-payment and pay.
Once your payment is successful, you will be provided with a bank reference number, CIN number and transaction ID. The applicant has to keep these details handy. Upon selection of the applicable data and approval of the application by the sub-registrar, the Payment details will be listed along with provision to generate Acknowledgment and the request will be sent to SR Office for further processing. Then, the encumbrance certificate will be sent to the applicant’s login ID with a QR code added in all the pages and a digital signature of the sub-registrar affixed in the end. An SMS notification will be sent to the applicant.
The applicant will be able to view the EC within a couple of hours.
Applicant can view and Download the Digitally Signed EC in their Login ID under E-Services->
Encumbrance Certificate->Request List.
Applicant can also scan the QR code present in the PDF to view the details of Application Number,
SRO Name and the URL to view the EC PDF.