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‘Encumbrance’ refers to a mortgage or a claim made by others on assets or property. The Encumbrance Certificate (EC) is an important document which is required at the time of buying or selling a property or while availing a Home Loan or Loan Against Property.

One can check for all possible legal complications that might be associated with a property by analysing the Encumbrance Certificate (EC). This will essentially help the future buyer to find out whether someone other than the current owner can claim ownership of the property or not.


With the exception of a few states, Encumbrance Certificates are majorly issued physically. States which prefer to go the online route for the same include Andhra Pradesh, Kerala, Odisha, Tamil Nadu, Puducherry, Uttar Pradesh, Karnataka, and Telangana.

Importance & Uses of an Encumbrance Certificate

As it is one of the most important legal documents, an individual is usually required to present an EC for the following purposes:

  • Availing Home Loans

  • Purchasing Property

  • PF Withdrawals 

  • Mutation of Property 

  • Sale of Property 


 Listed below are some reasons why an EC is important:

  • It enables one to purchase a property without litigations

  • Acts as proof for property-owners

  • The document helps in updating the land-based records

How to Apply for EC Online?

In order to get an Encumbrance Certificate online, the applicant must follow the following step-by-step guide.

  • Step 1: Visit the official website of the Registration and Stamps Department of your respective state

  • Step 2: Login by entering your credentials and the provided Captcha code

  • Step 3: Enter your personal and property details in the application form. 

  • Step 4: Provide address proof, registration copy, sale deed/gift deed copy, etc.

  • Step 5: Submit the application for further proceedings

  • Step 6: Note down the acknowledgement number that appears on the screen.


You can use the acknowledgement number to check your application status. Typically, it takes about 2-3 working days for the EC to be issued online.

How to Apply for EC Offline?

Following are the steps to be taken in order to avail an EC offline:

  • Step 1: Visit the office of your respective sub-registrar.
  • Step 2: Fill Form 22
  • Step 3: Enter details of the property, the buyer’s and seller’s names, and other details.
  • Step 4: Submit the form and pay the fee specified at the office counter.

Once the process is completed, the EC is likely to be issued within 15-30 working days.

Documents Required to Get an Encumbrance Certificate

Some of the documents you would need while applying for an Encumbrance Certificate are:

  • The property sale deed/gift, deed/partition, deed/release deed if a deed has been executed previously

  • Property registration document

  • Address proof of the applicant

  • The signature of the applicant

  • Details of the property for which the certificate is being sought

  • A copy of the deed if there is one

How to Track Encumbrance Certificate Status

Following are the steps to track EC Status Online:

  • Step 1: Visit the official website

  • Step 2: Click on ‘Certificate’, select ‘Encumbrance Certificate’, and click on ‘EC Status’.

  • Step 3: Provide the transaction details.

  • Step 4: Enter Captcha code and select ‘Check Status’.


Your EC would then be provided on your screen. You would have to save and/or download it.

How to get EC online State-wise


How much time does it take to get an Encumbrance Certificate?

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 a view EC online, you will get it faster. Online applications usually take 2 to 3 working days to be processed.

What details are mentioned in the Encumbrance Certificate?

An Encumbrance Certificate (EC) has the details with regards to the property, its current and previous owners, the number of times the ownership of it has been transferred and if any mortgages were taken on it, among others.

What is the meaning of market value in an Encumbrance Certificate?

Market value in an Encumbrance Certificate is the predicted price for your property which you can expect while selling it. 

What is the time period for which an Encumbrance Certificate can be obtained?

An Encumbrance Certificate could be taken for a period ranging anywhere between 12 to 30 years.

How can I get an Encumbrance Certificate online in Tamil Nadu?

Visit the Inspector General of Registration (IGRS) Tamil Nadu's official website. To obtain the EC on the portal, you need to register as a new user on the website. After registration, a confirmation mail will be sent to the registered mail ID. Under E-Service, click on the Encumbrance Certificate and choose ‘Search and Apply EC’.

How can I get an Encumbrance Certificate in Maharashtra?

An individual can only apply for the Encumbrance Certificate in Maharashtra in the offline mode. However, you can download the certificate from the official portal for land registration of the Government of Maharashtra. Following are the steps to obtain an Encumbrance Certificate in Maharashtra:

  • Step 1: Visit the respective Sub-Registrar's office.

  • Step 2: Get the application form for EC (Form 22).

  • Step 3: Fill out the application form accordingly

How to pay for the Encumbrance Certificate Online?

When one applies online for an EC, they can pay for it in several ways. These include debit and credit cards, electronic wallets, internet banking portals, RTGS and NEFT, among others.

How can I download my Encumbrance Certificate?

You can download your Encumbrance Certificate from the official portal of the Registration and Stamps Department of your respective state, once it is generated.

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