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Encumbrance Certificate (EC)

Certificate showing property is free from legal dues

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Quick Information

⏱️ Processing Time

3-7 days

💵 Fees

₹50-200 per document (varies by state)

✅ Eligibility

Anyone can apply for any property

Who Needs This Document?

Property buyers for verifying clear title, loan applicants

Required Documents

  • Application form
  • Property details (survey number, address)
  • Period for which EC is required
  • Identity proof

Step-by-Step Application Process

1

Visit Sub-Registrar Office

Go to sub-registrar office where property is registered.

2

Fill Application

Provide property details and period for EC (usually 13-30 years).

3

Pay Fees

Pay EC fee (per document/year searched).

4

Verification Process

Officials search records for any mortgages, liens, or pending cases.

5

Receive EC

Get certificate stating property is free from encumbrances or listing any dues.

6

Verify Before Purchase

Check EC shows no pending loans, disputes, or legal issues.

⚠️ Common Mistakes to Avoid

  • Not checking EC for sufficient period (minimum 13 years recommended)
  • Not verifying EC before property purchase
  • Assuming clear EC means perfect title (also check other documents)

Frequently Asked Questions

What does EC show?

All registered transactions on property - sales, mortgages, liens, legal cases.

For how many years should I get EC?

Minimum 13 years, ideally 30 years or from original purchase.

Can I get EC online?

Yes, many states offer online EC through their registration department websites.

Ready to Apply?

Visit the official government portal to start your application

Go to Official Portal →