An Encumbrance Certificate is a crucial document while transferring the property rights from the buyer to the seller. It proves the ownership of the property and indicates whether the property is free from legal or monetary issues. In this article, you will get a complete guide on How to apply for the Encumbrance Certificate online. And all-important FAQs based on the Encumbrance Certificate.

 

What Is An Encumbrance Certificate?

An encumbrance certificate is an important document that indicates the ownership of the property. The encumbrance certificate shows all the property transaction details. So, while buying the property, you can refer to the Encumbrance Certificate to ensure that the property is free from legal or monetary issues.

Therefore, the Encumbrance Certificate becomes one of the crucial documents while buying or selling the property. Then, where can you apply for the online or offline encumbrance certificate? And how does the history of the transaction get recorded?

You can obtain the Encumbrance certificate from the regional Registrar Office where the property is located. Only those transactions which are registered at the Registrar’s office will be reflected in the Encumbrance Certificates.

 

Why Encumbrance Certificate Is Important?

  1. The Encumbrance Certificate Is mandatory while transferring the rights of the property from the buyer to the seller.
  2. It validates the free title or complete ownership of the property.
  3. It gives complete property transaction details.
  4. Gives status on the legal and monetary issues related to the property
  5. An encumbrance certificate is important to document in applying for a home loan while purchasing the property.
  6. Required while carrying out the mutation i.e Khata Transfer and Registration.

 

How To Apply For The Encumbrance Certificate? 

You can get the Encumbrance Certificate from the Sub Registrar’s office. In some states such as Telangana, Kerala, Andhra Pradesh, Karnataka, Odisha, and Puducherry the encumbrance certificate can be Applied and download online.

 

Here is the complete process for applying for the Encumbrance Certificate At Sub-registrar Office.

  1. Visit The Sub-Registrar Office
  2. Make an Application With Form22
  3. Submit The Documents
  4. Verification
  5. Form 15/ Form 16 Will be issued
  6. Visit the regional Sub Registrar office to make an application for the Encumbrance Certificate in form 22. This form can be downloaded from the official land registration website of the concerned state.
  7. For making the encumbrance certificate application you need important information such as identity proofs, residential address proofs, property details, etc.
  8. The applicant needs to submit the applicable fees along with the application and the required documents.
  9. Then the officer does the inspection of all the property-related transactions that taken place during the particular period of time.
  10. After the verification of all the transactions, the Officer can issue either Form 15 and Form 16. The conditions are as follows-
    1. If the property has the transactions happen for a specific period of time, then Form 15 is issued.
    2. If the property has no transaction then form 16 is issued which is a Nil Encumbrance certificate.
  11. Generally, the total amount of time required for getting the Encumbrance certificate is 15-30 days.

 

Important Documents Required For The Getting The Encumbrance Certificate

Following are the important documents required for getting the Encumbrance Certificate.

  1. Copy of Application
  2. Proof of Identification
  3. Address Proof Of The Applicant
  4. Property Related Documents- Sales Deed, release deed, etc
  5. Applicant’s Affidavit for the ownership of the property.

 

Application Fee for The Encumbrance Certificate

The application fee for the Online Encumbrance Certificate is different for the different states. The application fee for the Encumbrance certificate can depend on the period for which the encumbrance certificate needs to be obtained.

 

How To Apply For The Encumbrance Certificate Online

Some states have provided the facility to apply for the Encumbrance certificate online. The applicants can apply online, get the documents verified and download the encumbrance certificate. The online process for the application of the encumbrance certificate is different for the different states.

 

Applying online for the Encumbrance Certificate allows you to –

  • Fill the online application form in a simple and quick process.
  • You can upload the important documents and get them verified online.
  • Track the application and check the status at your convenience.
  • Make the application charges payment online.
  • Download the copy of the issued Encumbrance Certificate.

Let’s check out the online application process for the Encumbrance Certificate for various states.

 

FAQ’S:

What Is An Encumbrance Certificate?

An encumbrance certificate is an important document that indicates the ownership of the property. The encumbrance certificate shows all the property transaction details and whether the property is free from legal or monetary issues.

 

Why is Encumbrance Certificate  Important?

The Encumbrance Certificate Is mandatory while transferring the rights of the property from the buyer to the seller. It is an important document for processing Home Loans and knowing the monetary and legal issues related to the property.

 

What Are The Important Documents Required For The Online Encumbrance Certificate?

Copy of Application, Proof of Identification, Address Proof Of The Applicant, Property Related Documents are the documents required for making the Encumbrance certificate Online

 

Where can you apply for the Encumbrance Certificate?

You can obtain the Encumbrance certificate from the regional Registrar Office where the property is located. The selective states such as Telangana, Kerala, Andhra Pradesh, Karnataka, Odisha, and Puducherry provide facilities to apply and get the Encumbrance Certificate Online.

What is Nil-Encumbrance Certificate?

If the property has no transaction for a specific period then form 16 is issued which is a Nil Encumbrance certificate.

What Is Form 15 & Form 16?

The Sub-registrar’s office issues Form 15 or Form 16 depending on the property transactions for the selected period of time.  If the property has the transactions happen for a specific period of time, then Form 15 is issued. If the property has no transaction then form 16 is issued which is a Nil Encumbrance certificate.

How Much Time Does It Take To Get The Online Encumbrance Certificate?

Generally, the total amount of time required for getting the Encumbrance certificate is 15-30 days. Since different states have a slightly different process for the application of the time required to get the Encumbrance certificate can vary.