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Encumbrance Certificate
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Encumbrance Certificate
Get the Form no. 15/16 issued from the office of the Sub-Registrar.
(3 to 7 working days (If Online entries))
The encumbrance certificate is an extract issued by the sub-registrar’s office that provides the details of the various transactions that have been taken place in a particular survey number / plot / khasra / khatauni / mauja / Khata number for a specified time period. It is to be considered as evidence or proof that the property in question is relatively free from any monetary and legal liabilities. Generally, the person will have to mention the search period or specific time period for which the encumbrance certificate extract is sought for. The date and details of the transactions, volume number, book number, document numbers, and names of the parties to the transaction will also be mentioned in the Encumbrance extract.
WHAT IS FORM 15 & 16?
The encumbrance certificate is issued by the sub-registrar’s office in Form 15 and 16. If the property is free from any encumbrance during the said period, Form 16 will be issued i.e., certificate of Nil Encumbrance. But if the property has any encumbrance registered during the said or particular period, then Form 15 will be issued. The certificate governed under Form 15 clearly defines that 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. So, under Form 15 they are not free from encumbrance.
HOW TO OBTAIN AN ENCUMBRANCE CERTIFICATE EXTRACT?
The procedure to obtain an EC is mentioned below.
- Just download Form 22. Attach it with Rs 2 non-judicial stamp and address to the Tahsildar, along with an attested copy of your residential address and the purpose for which the certificate extract is required.
- You have to provide the necessary details of ownership like the correct survey number and place where the property is placed. It is pertinent that the period and a full description of the property are mentioned clearly in the application form.
- Now attach the copies of your ID proof and residential address proof.
- The required application fee needs to be paid baise on the period of encumbrance. The fee is to be paid on the basis of the period of encumbrance. The encumbrance year commences from 1st April of a calendar and closes on 31st March, of the next calendar year.
- In the end, you have to submit the application in the jurisdictional sub-registrar’s office, under which the property is registered.
- In a few situations, The time taken to get Older EC (i.e., before 2004) extract is around 10 to 30 days.
COMPUTERISED ENCUMBRANCE CERTIFICATE EXTRACT
At present, computerized encumbrance certificate extracts are issued only in seven States in India:
- Andhra Pradesh & Telangana – 01.01.1980 onwards
- Tamil Nadu – 01.01.1987 onwards
- Kerala – 01.01.1992 onwards
- Gujarat – 01.01.1994 onwards
- Karnataka – 01.04.2004 onwards
- Odisha – 01.05.2010 onwards
- Puducherry (UT) – 01.01.2006 onwards
In the remaining States, only a handwritten certificate is issued. How AcreOk can guide in getting the certified copy of Encumbrance Extract?
- We will pay the requisite application fees and facilitate the process for the certified copy of the Encumbrance Extract at the Sub-registrar office.
- We will collect the certified copy of the Encumbrance Extract from the Sub-registrar office which will be certified by the govt. officials along with the Govt. seal and signature.
- Then, we will also deliver the certified copy of the Encumbrance Extract at your doorstep.
Hurrah!! We are offering this service at a very reasonable price. So, Hurry up!! Create and place your request right now.
Frequently Asked Questions
Before buying a property, you must ensure that the property has a clear title. Getting an Encumbrance Certificate will assure you that the property you wish to buy is free from such financial or legal liability. If you notice a charge on the EC, it is important to rectify it before you make the purchase. It will also help you find out if there are any existing owners who can legally claim the property and we will help you in acquiring these.
No, A CC is issued by the local authority to a builder or developer upon the completion of construction of a building in compliance with the building plan and other regulations. Once a CC is obtained, the local municipal authorities issue an OC or a Possession Certificate (PC) as a declaration of no objection in allowing the occupancy of the building.
Whereas an Encumbrance Certificate relating to an immovable property issued by the Registration Office is not only of encumbrances but of all acts and encumbrances affecting such property.
When you apply for an Encumbrance Certificate, you will be asked to specify the period for which you need the information.
If there are no charges placed on the property during the requested period, a “Nil Encumbrance Certificate” will be issued. This means that no lender has placed a lien on the property during that period.
Form 15 is issued for a property which has multiple transactions in its history.
Form 16 is issued for a new property. This can also be called as Nil Encumbrance.
Not only is the encumbrance certificate necessary when buying or selling a property, but this certificate is also a must when approaching banks or financial institutions for a home loan. Certain banks and financial institutions might even require the certificate from a particular timeframe as a part of the documentation.
The process to obtain an EC differs from one place to another. If you apply for an EC in person at a Sub-Registrar's Office, you will get the certificate within 15 to 30 days.
However, if you apply for an EC online, through us you will get it faster. Online applications usually take 2 to 3 working days to be processed and we shall help you with that.
Some of the documents you would need while applying for an Encumbrance Certificate are:
- Property details and its title deed details.
- The property sale deed/gift deed/partition deed/release deed if a deed has been executed previously.
- The deed number upon registration containing the date and book number along with the signature of the applicant.
- Address proof of the applicant.
Online will be available only for the transaction happened after 2004, before this period we can only get book records. Online is through visiting the official website, downloading form and then getting the documents verified after paying the requisite fees.
Offline is through vising the sub registrar’s office and applying for it manually.
In both the case we shall help you in getting the EC at the earliest.
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