Kaveri Online Services Portal Karnataka: A Complete Guide

The Karnataka Government, in November 2018, launched the Kaveri Online Services portal. The portal’s primary aim is to make the registration process for an Encumbrance Certificate (EC) easier for the people of the state. When you want to obtain an EC, you have to simply log in to the portal and enter the details of the purchased or rented property. 

The online process makes it easier for individuals to upload documents on the website along with the application form. The application will then be sent to the sub-registrar for further formalities. You can also access the portal to check and verify the present owners of a prosperity and the legitimacy of the registered documents. 

Kaveri 2.0 is a web-based application from the Government of Karnataka's Department of Stamps & Registration that provides a comprehensive online platform for property and document-related services. It aims to simplify and speed up processes like property registration, encumbrance certificates, and marriage registration. 

This upgraded portal allows citizens to complete many tasks online and make digital payments. Individuals have to visit the office only for the final physical verification and biometric capture. This new system integrates with other government land record applications to streamline the entire process. 

The Kaveri Online Portal offers services such as property registration, downloading encumbrance certificate (EC), e-stamping, and property valuation. It allows users to generate payment challans, book appointments for registration, and check the status of various property-related transactions. The portal, managed by the Karnataka Department of Stamps and Registration, also provides access to land records and includes services like marriage registration. 

Core Services

• Property Registration: Set up and manage the process for property sale deeds and other registrations online. 

• Encumbrance Certificate (EC): Download ECs online to check for any legal or financial claims on a property. 

• E-stamping: Pay stamp duty electronically, which replaces the need for physical stamp papers. 

• Property Valuation: Get an estimated market value of a property based on factors like location, size, and type. 

• Appointment Booking: Schedule appointments for property registration and other related formalities. 

Other Important Services

• Land Records: Access and download land records like Record of Rights (ROR) and RTC/FMB. 

• Document Verification: Verify details for accuracy before or during the registration process. 

• Challan Generation: Generate payment challans for various property-related transactions, such as EC requests and stamp duty payments. 

• Marriage Registration: A one-stop solution for marriage registration services. 

• Sub-Registrar Office Locator: Find the address and jurisdiction of the nearest Sub-Registrar's Office (SRO). 

• Stamp Duty & Fee Calculator: Estimate the total stamp duty and registration fees for a transaction. 

To get started with Karnataka’s Kaveri Online Services Portal, you need to first register and then log in. Follow the steps below to complete your registration and gain access to the portal's features. 

• Go to the official website at https://kaveri.karnataka.gov.in

• Click on the ‘Register’ option and fill in the required details such as your full name, address, gender, mobile number, email address, etc. Remember to set a strong password. 

• You will get OTPs on both your mobile number and email ID. Input these OTPs to verify your contact information. 

• After verification, select the ‘Register’ icon to submit your information. A message of confirmation will appear once your registration is complete. 

• Once you are registered, go back to the official website, and log in with your registered username and password.

To apply for an Encumbrance Certificate (EC) online through the Kaveri Portal, follow the simple steps outlined below for a smooth application process. 

• Visit the official Kaveri online services website to start the application for the Encumbrance Certificate. 

• Register on the Kaveri 2.0 portal by clicking the ‘Register’ button. Provide your name, mobile number, and email ID. Create a valid username and strong password to finish the registration process. 

• Once registered, log in with your credentials. Select the ‘Encumbrance Certificate’ option from the main menu to start the application process. 

• Provide the necessary details about your property, including the district, survey number, village name, and the duration for which you require the EC. 

• Review all the information you’ve entered. After confirming the accuracy, submit your application and make the required online payment for the certificate. 

• After your application is processed, download and print the Encumbrance Certificate for your records. 

If you prefer the offline method, here are the steps:

• Visit the Sub-Registrar office in the jurisdiction where the property is located.

• Request Form 22, which is the application form for an Encumbrance Certificate.

• Enter accurate property details such as survey number, property location, and the period for which you need the EC.

• Attach Required Documents

  • A ₹2 non-judicial stamp affixed to the form

  • Proof of address

  • Property details and ownership documents

• Submit the completed form along with the documents at the designated counter in the Sub-Registrar office. Pay the applicable fees:

  • Application Fee: ₹10

  • Search Fee: ₹30 for the first year, ₹10 for each additional year

• After submission, you will receive an acknowledgement receipt for tracking purposes.

• The EC is usually ready within 7–10 working days (may extend to 15–30 days in some cases).

• Visit the Sub-Registrar office to collect the Encumbrance Certificate once it is processed.

To check Encumbrance Certificate (EC) status on the Kaveri 2.0 Online Portal, follow these simple steps to easily access your document. 

• Log in to the Kaveri online services portal with your registered credentials.

• Once logged in, navigate to the ‘Services’ menu and select the ‘Online EC’ option.

• Choose the registration period for the property and fill in the necessary details. Then, click on the ‘Send OTP to View Document’ button.

• You will receive OTPs via email and SMS. Keep in mind that the OTP is valid for 10 minutes.

• Enter the OTP sent to your mobile device and click on ‘View Document’ to access and download your Encumbrance Certificate for Karnataka online. 

To complete the property registration process through the Kaveri Online Portal in Karnataka, follow these organised steps for smooth and efficient registration.

• Begin by registering on the Kaveri portal using your personal details. Registration is essential to access the property document registration services.

• Once logged in, navigate to the ‘Pre-registration Data Entry and Appointment Booking (PRDE)’ section. From there, click on ‘Document Registration’ to start your registration application.

• Fill in the required document details from the drop-down options. You will need to provide the following information:

  • Document nature and description

  • Date of execution

  • Number of shares & parties involved

  • Page count

After entering the information, click on ‘Save and Continue’ to move to the next step.

• Enter the details for all involved parties and witnesses. For each witness, provide the following information:

  • Title with first, middle, and last name

  • Date of birth

  • Type of ID proof

  • Complete address

  • Marital status and gender

  • Profession and nationality

• Confirm the parties that the witness is verifying and click ‘Save’ to proceed.

• In this step, you will enter all relevant property details in the provided fields. Once completed, click ‘Save’ to continue to the next section.

• Input the property’s valuation details and click ‘Save’ to record the information.

• Upload all required registration documents. Then, provide the necessary payment and transaction details to complete this section. 

• Your application will be automatically saved. You can check it any time under the ‘Pending / Saved Application’ section.

• After reviewing your application, the Sub-registrar will approve it. Once approved, the application status will update to ‘Approved by SR’. 

• After receiving approval, click on the ‘View’ option beside your application. Pay the applicable registration fee and confirm your appointment to submit the documents at the Sub-registrar’s Office. 

To verify land and property documents online in Karnataka through the Kaveri portal, follow these simple steps for accurate verification. 

• Visit the official Kaveri portal at https://kaveri.karnataka.gov.in/landingpage.

If you’re a new user, click on the ‘Register’ button and provide the necessary details such as your name, mobile number, email, and Aadhaar number. You will get an OTP and a password to log in in future. 

• Once logged in, go to the Encumbrance Certificate (EC) section. 

Here, you can search for the EC either by party name or property number. If you search with the former, choose the relevant district, taluka, and village.

• After retrieving the necessary details, verify the information against your original documents. 

For legal verification, it’s advisable to consult with a legal expert or inspect documents like property tax receipts, title deeds, building plans, etc. If you prefer offline verification, you can go to the Sub-registrar’s Office, ask for an EC, and verify the land records in person. 

Here is a list of documents for which you may need to pay stamp duty: 

• Adoption Deed

• Affidavit

• Agreement relating to the sale of immovable property

• Agreement relating to Deposit of Title Deeds (D.T.D)

• Cancellation of Instruments

• Conveyance (including flats/apartments)

• Exchange

• Gift

• Lease of immovable property / License

• Mortgage

• Partition

• Power of Attorney

• Reconveyance of mortgage property

• Release

• Settlement

• Surrender of Lease

• Transfer of Lease

• Trust

• Will deed

To calculate stamp duty and registration fees online through the Kaveri portal, follow these steps for accurate results.

• On the Kaveri portal’s homepage, locate and select the ‘Stamp Duty & Registration Fee Calculator’ option.

• From the drop-down menu under the ‘Nature of Document’ section, choose the relevant option based on your document type.

• Click on the ‘Show Details’ button and fill in the required property details, like market value, region, and the consideration amount of the transaction. 

• Next, click on the ‘Calculate’ button to view the registration fees and stamp duty applicable to your property’s transaction. 

The digital e-stamping system, integrated with the current Kaveri online services portal, initiative offers a single platform for different property-related services. Below are the steps to access the e-stamping services:

• Go to the Karnataka Government’s official website of Kaveri online services. 

• Register using your name, mobile number, and email ID. Existing users can simply log in with their credentials. 

• Next, choose the ‘e-stamping’ option, located in the services menu or the dashboard. 

• Verify and confirm all your entered details before moving forward to the payment stage. 

• Pay the stamp duty using any of the online payment methods available, like UPI, net banking, or debit card. 

• Once the payment is successfully processed, the Kaveri portal will provide an e-stamp certificate, which can be downloaded and printed for your records. 

The Kaveri portal offers several advantages, making property-related activities more convenient and efficient. Here are the key benefits: 

• Convenient Online Access

The portal allows users to access property records, register documents, and obtain certificates right from their homes, eliminating the need for physical visits to government offices.

• Streamlined Property Registration

Users can initiate the property registration process online, including uploading documents, calculating stamp duty, and booking appointments at Sub-Registrar Offices (SROs), significantly reducing the time spent on registration. 

• Access to Encumbrance Certificates (EC)

The portal facilitates the application and download of Encumbrance Certificates, which are essential for verifying the legal status of a property. 

• Stamp Duty and Registration Fee Calculator

Users can estimate the stamp duty and registration fees applicable to their property transactions, aiding in better financial planning.

• Property Valuation Information

The portal provides guidance on property valuation, helping users understand the market value of properties for informed decision-making. 

• Marriage Registration Services

Kaveri Online also supports the registration of marriages, offering a convenient platform for couples to complete the legal formalities. 

• E-Stamping Facility

The portal supports e-stamping, allowing users to pay stamp duty electronically, which is secure and efficient. 

Here are the factors that can lock your Kaveri Online user account and options to unlock it: 

• To know the status of your Kaveri Online Services account, you will need to key in your username and password on the Kaveri Online Services website. 

• If you enter an incorrect username or password, a message will be generated at the top of the page. 

• After the 3rd wrong attempt, a CAPTCHA code will be generated. 

• Note that you will only be allowed to enter your password for a total of 6 times. 

• If all six attempts turn out to be unfruitful, the account will be locked. 

• If that happens, you can click on the unlock account option. 

• In order to unlock the account, enter the mobile number which is connected to your account. 

• After that, you will receive an OTP. 

• This OTP will allow you to unlock your account or reset your details after you have keyed in the relevant information. 

• Once the OTP confirmation goes through, you will have successfully unlocked your account. 

It is essential for you to keep certain points in consideration, when you use the Kaveri Online Portal.

• Enter all the details correctly, like the document number, village name, district, etc., to view the transaction details and download the registered document

• The portal allows the download of registered documents present in Book 1 transactions only

• In case you are finding it difficult to download the registered document, you can reach out to the sub-registrar’s office or call the helpline number offered by Kaveri Online 

Online applications and portals have made it easier to get access to any information from the comfort of their home. You can even get a housing loan online and use the funds to purchase a home or a property. 

To locate your nearest sub-registrar office, you can follow these steps: 

• Visit the official website at https://kaveri.karnataka.gov.in/landing-page.

• Select the ‘Locate SROs’ Option from the ‘Services for Guest User’ menu.

• Choose the district name, the village name, and the name of the road as well as the Hobli name.

• Click on the ‘Search’ button. 

• Select ‘SRO Office Name’ in order to reveal the details of the sub-registrar office that is the closest to you.

In case of any complaints, you can follow these steps to file a grievance on the Kaveri 2.0 Online Portal.

1. Under ‘Quick Links’ on the official website homepage, click on ‘GRIEVANCES AND REDRESSAL’

2. You will be redirected to another website: https://pgportal.gov.in/

3. Under ‘Grievance’, select the type of grievance you want to lodge

4. Register on the website and submit your grievance

5. Authorised officials will evaluate your grievance

6. Redressal will be offered according to your complaint

The Kaveri Online Services Portal provides a comprehensive, efficient, and secure platform for all property-related tasks in Karnataka. From property registration to Karnataka EC online downloads and e-stamping, it simplifies complex processes. Whether you're a buyer, seller, or applying for a home loan, the portal offers a seamless experience, saving time and ensuring transparency in every transaction. It’s the go-to solution for hassle-free property management in Karnataka.