MyLoanCare is a FREE of cost service for borrowers

Get Cashback of Upto ₹ 1,000* on Home Loan Apply Online

MyLoanCare Customer Ratings - 4.5/5.0

EC Online

EC - Encumbrance Certificate

Last Updated 22nd Jan 2021

  • The EC is a mandatory document when you want to avail home loan or loan against the property.
  • Only some states have the facility of applying for an encumbrance certificate online. Some of these states are; Delhi, Kerala, Tamil Nadu, Odisha, Puducherry, etc.
  • The fee for applying EC differs from state to state along with the period for which you are seeking information.
  • The EC application can be tracked online, and you can even view EC and download it from the tracking window if and when it is issued.
  • EC online application gets processed in 3 to 4 days, and the offline application takes 15 to 30 days.
Apply for Home Loan @ 6.75%* Get upto ₹ 1,000* Cashback And Free Corona Health Insurance Cover of ₹ 1 lakh

Encumbrance Certificate

One of the most important documents that you need to check while buying a property is the Encumbrance Certificate. It is a mandatory document that is used when you are buying or selling a property or when availing a loan against property or home loan. An encumbrance certificate is a legal document, or you can say a piece of evidence for the fact that the property in consideration has free title or ownership. It confirms that there are no legal or monetary charges/liability on the property.

Why Encumbrance Certificate Required?

The EC registration is required to establish the fact that the title on the property is free and without any liability. It is a mandatory document when you are looking to avail a home loan or loan against your property. Also, when you are buying a property, the certificate is crucial to prove that you are buying an undisputed and lien-free property. The EC confirms the legal title of the owner on the property and assures apart from the owner, no other individuals who can claim the right or ownership on the property.

What is a Nil Encumbrance Certificate?

While applying for EC, one needs to specify the time period for which the information is required. When there are no charges placed on the property in the requested period then a “NIL Encumbrance Certificate” is issued. The nil EC means that no lender has placed the lien on the property during the required period.

Fees Applicable to Get EC Encumbrance Certificate

The charges or fee for getting an EC varies from state to state in the country. Below is the list of fees for EC in some popular states:

State Fees
Tamil Nadu E.C application fee is ₹ 1 For first year information fee is ₹ 15 For every additional year fee is ₹ 5, and Additional fee after 1987 for computerized period is ₹ 100.
Delhi The request fee starts from ₹ 200, and it increases depending upon the locality and the number of years for which the information is asked.
Andhra Pradesh For up to 30 years, the fee is ₹ 200 and for more than 30 years, the fee is ₹ 500.
Telangana Service charge is ₹ 25. For 30 years, fee is ₹ 200 and for more than 30 years, fee is ₹ 500.

Till date, computerized certificates are issued only in some states. In other states, handwritten certificates are issued.

How to obtain an EC?

The process of obtaining an EC differs from state to state. Few states only have set up the system for online application for EC; for other states, you have to visit the office of Sub-Registrar.

How to apply Encumbrance Certificate EC online?

Following are the steps to apply for EC online:

  • First of all, visit the official website of the respective state’s land registration portal and click on the option of “Apply EC”.
  • Now, fill the citizen login form with your username and password, enter your captcha code and click on the login button.
  • If you haven’t yet registered, click on Register and you will now be redirected to a new page. Fill the required details.
  • After login, a form will open, fill all the required details in the form carefully and then click save/update. Also, enter the search period for which you want the Encumbrance certificate and then click on ‘Calculate Fee’.The browser will be redirected to the ‘Acknowledgement’ window. When you click on ‘View Acknowledgement’ you will then be able to print it. An inspector from the land record will check the information filled by you in the form and the information of the concerned property in the period you have chosen. After the inspection is complete by the inspector, EC will be issued along with all the transactions that took place in the concerned period.

How to apply Encumbrance Certificate EC offline?

Follow these steps to apply for the EC offline:

  • First of all, find out the registrar office under which your location is covered and then visit the office of Sub-Registrar.
  • Take Form 22 from the office, fill the required details like name of buyer and seller, property details, etc. Choose EC in the column where it asks for the type of document you are requesting.
  • Submit the form after filling it correctly.
  • Pay the fee along with the form at the counter.
  • As you submit your application form, you will be given a reference or acknowledgement number. You can then use this number to track the status of your application on the website.

How to track Encumbrance Certificate status?

The steps of tracking the application for EC differs with each state’s website. Especially in the case of states which allow online application, the tracking of applications is also much easier as compared to those states where the application has to be made offline.

For example, in Odisha, you can track the application after logging into your account on the official website of the Odisha government. You can choose ‘EC status’ under the ‘Certificate’ option on the main menu. In case the certificate is issued, it will be displayed, and you can even download its pdf version as well.

How long will it take to get an Encumbrance Certificate?

The time duration is taken for your application to get processed and issuing the EC varies from state to state as each state has its own process. However, in general, if you are applying through the Sub-Registrar’s office, then the processing of your application will take around 15-30 days. On the other hand, if you have applied online, then the application usually gets processed within 3-4 working days.

How to download Encumbrance Certificate for your property?

In order to download the EC, you need to visit the official website of your respective state and track your EC application online. Once the EC is issued, you will be able to download it from there itself.

The process of tracking EC applications differs for each state’s website.

Documents Required for EC Encumbrance Certificate

In order to apply for the EC, you need to submit certain documents along with the application form, these documents are:

  • The title and property details.
  • The registration copy of the property.
  • Address proof of the person applying.
  • Copy of property sale deed/gift deed/release deed or partition deed, in case any of it was executed previously.
  • In case any deed was executed then, the deed number along with the registration number which contains the date and book number. Also, the signature of the applicant.

FAQs

How long does an encumbrance last?

The validity of the EC is mentioned on the certificate. Thus, it is applicable only for the period as it is mentioned on the certificate.

How can I check my encumbrance certificate?

To check your Encumbrance certificate, you need to visit the official website of the state and view EC application status. If the certificate has been issued, it will be displayed.

What is PL in encumbrance certificate?

In EC, PL means principal.

How do I fill an encumbrance certificate application?

Depending upon which state the property is located, you can file the application for your EC either online or offline.

How do I check my EC status?

To check the EC application status, you need to visit the official website of the state and track your Encumbrance Certificate from there as per that website’s navigation.

What is meant by EC?

EC means Encumbrance Certificate. It is a legal proof which verifies the ownership or title of the owner on the concerned property. It also clarifies that the property is free from any legal and monetary charges.

How can I get land EC?

You can get the land EC by applying for it either online or offline.

How can I apply for EC online?

Only a few states have the facility to apply for the EC online. The process of online application differs for each state. However, the general steps include;

  • Visiting the official website of the state.
  • Clicking in the apply EC option.
  • Filing the form, and then making the payment.
  • Then save the acknowledgement and use the number to track the EC application status.

Notification ×
  • Lowest Rate Home Loan

    Home Loan offer starting at lowest rate of 6.75%

    Apply Now
  • Cashback and Corona Insurance on Home Loan

    Home Loan with Free Covid Protection of upto ₹ 1 Lakh plus Cashback of up to ₹ 1,000

    Check Offers
  • Home Loan Balance Transfer

    Save on Interest with Home Loan Balance Transfer starting @ 6.75%*

    Apply Now
  • Nil Processing Fee

    Special offer of Nil Processing Fee on SBI Home Loan Balance Transfer.

    Check Eligibility
Home Loan News - Jan 2021
  • 2021-01-20 : IIFL Home Finance and Standard Chartered Bank joined hands for co-lending
    IIFL Home Finance and Standard Chartered Bank joined hands for extending credit. It is one of the first co-lending partnership after Reserve Bank India’s co-lending guidelines were issued. Under this co-lending agreement, IIFL Home Finance Ltd and the Standard Chartered Bank will co-originate these loans and the IIFL Home Finance Ltd will service the customers through the entire loan life-cycle including.
  • 2021-01-19 : Bank of Maharashtra reported Q3 profit up of ₹154 crore
    Bank of Maharashtra reported a net profit of Rs. ₹154 crores in the third quarter ended December 31, 2020, against ₹135 crores in the year-ago quarter. Advances that include home, personal, car, two-wheeler and gold loan along with business and mudra loans increased by 12 per cent year-on-year to ₹1,04,904 crore. Further, deposits which include FD and Rds increased by 14% to ₹1,61,971 crore. The share of the low-cost current account, savings account (CASA) deposits improved to 50.91% of total deposits from 50.51% in the preceding quarter.
  • 2021-01-18 : HDFC Bank net profit rose by 18%
    HDFC Bank net profit grew by 18% over a year ago in the December-ended quarter on the back of improved net interest income. Advances which include home, personal, car, two-wheeler and gold loans along with business and mudra loans during the quarter rose 15.6% year-on-year to Rs 10.82 lakh crore. Deposits which includes FD and RD grew by 19% from last year to Rs 12.7 lakh crore. Further, The CASA ratio for the bank stood at 43%.
  • 2021-01-18 : Karnataka Bank Q3 net profit rises to ₹135 cr
    Karnataka Bank posted a net profit of Rs 135 crore for the December quarter of current financial year with a growth rate of 10%. Further, net interest income rose 21% to ₹614 crore from ₹508 crore in Q3FY20.
  • 2021-01-15 : HDFC Bank revised its home loan rates
    HDFC banks revised its home loan rates. The lowest home loan for customers above the CIBIL score of 750 is 6.80%.
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
Loader
Please wait while your information is being processed...