TNREGINET Tamil Nadu Encumbrance Certificate

The TNREGINET is an online registration portal introduced by the government of Tamil Nadu to simplify the registration process for marriage, birth, death, etc. The TNREGINET online EC portal also allows people of the state to search for Tamil Nadu encumbrance certificate online. This certificate is one of the most important documents required as proof of complete legal ownership of property. In Tamil Nadu, the sub-registrar of the place where the property is registered issues the encumbrance certificate.

Steps to Search for Encumbrance Certificate Online

Step 1:

Log in to IGRS Tamil Nadu on the TNREGINET portal.

TNREGINET Portal

Step 2:

On the menu bar, click on “E-Services” tab, click on the ‘Encumbrance Certificate’ option.

E-services

Step 3:

 You will be redirected to the next page where you need to start filling in all the required details such as zone, district, sub-registrar office, EC start and end date, survey details, etc. You must select from the two options displayed on the page “EC” or “Documentwise”.

Document wise search encumbrance certificate

Step 4:

If you opt for “EC”, you must fill in your details, such as sub-registrar office, document number, year, and document type.

Sub-registrar office details

Step 5:

Alternatively, if you select “Document Wise”, you need to enter details of the sub-registrar office, document number, year, and document type. Enter the captcha code and click on “search” to check for the encumbrance certificate.

Documents Required for EC

Given below are the documents required when applying for an EC (Encumbrance Certificate):

1. Proof of address of the applicant

2. Property and its title deed details

3. Property registration-related documents

4. Property sale deed/gift deed/release deed/partition deed

5. The deed number with the date and book number along with the applicant’s signature

Fees Applicable for Encumbrance Certificate

The fee applicable to obtain the Tamil Nadu Encumbrance Certificate is different for every state depending on the location of the property and the state government. As on 17th August 2013, the search and issue of certified EC copy in Andhra Pradesh and Telangana would be Rs. 200 per certificate search. The issue of EC copy of up to 30 years will be Rs. 200 per certificate and an EC copy of more than 30 years will be Rs. 500 per certificate.

What is the Processing Time to Avail EC?

If an individual applies for an EC in person at a sub-registrar’s office, the certificate will be processed within 15 to 30 days. However, for online application, the processing time would be less. Online applications for Tamil Nadu Encumbrance Certificate on the TNREGINET portal usually take two to three working days to be processed.

The EC will give you the correct picture of the ownership as well as the financial liability attached to the property as available in the records of the registrar’s office. Therefore, property buyers must undertake field inquiries about the property and take the right decision for the future. When it comes to buying a home, many first-time buyers opt for home loans for financial assistance. Hence, one needs to have a good sense of the loan requirements and compare loan offers from multiple lenders.

At Finserv MARKETS, you can avail a Bajaj Finserv Home Loan amount of up to Rs. 2.5 Crores as well as gain access to an additional Home Loan Top Up of up to 50% of the sanctioned loan amount. Moreover, the online process for a home loan application on Finserv MARKETS is quick and easy. The repayment tenure for home loans is quite flexible and goes up to 360 months. To ensure smooth loan approval, you can check your eligibility online with a home loan calculator and purchase the home of your dreams.

FAQs

  • ✔️How to view the transaction status for my e-payment?

    To view your transaction status on the TNREGINET portal, click on “E-payment” under the “E-services” tab and select payment.

  • ✔️How to edit the abstract for draft creation document on the portal?

    You can access the documents and edit it until it’s being processed in the back office.

  • ✔️Can you get your registration details from the sub-registrar’s office directly?

    Yes, all the registration details can be acquired from the concerned sub-registrar’s office directly.

  • ✔️Who all are considered as “family” while availing stamp duty concession?

    The Indian Stamp Act, 1899, considers the father, mother, husband, wife, son, daughter, brother, sister, and grandchildren as “family”. The applicable stamp duty fee and registration fee for settlement, release, partition, and other such instruments is 1% for family members.

  • ✔️What’s the processing time to avail the Tamil Nadu encumbrance certificate?

    The encumbrance certificate gets completed and issued within four days from the date of application. For computerized applications, the encumbrance certificate is issued almost immediately.

  • ✔️Why is it important to have an EC?

    The EC (encumbrance certificate) is an important document when it comes to buying or selling a property. This certificate will help you get detailed information on all previous transactions carried out on the concerned property. However, it may not be enough to prove ownership; hence, you also need to obtain a possession certificate along with the encumbrance certificate.

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