The Government of Karnataka has introduced an online service portal (the Kaveri Online Services portal), developed by the Department of Stamps & Registration to get an Encumbrance Certificate (EC) in Karnataka. Introduced in November 2018, you can apply for EC through this online platform and track the status of your application. It also allows you to verify the legitimacy of the current property and its owners.
Here’s how to apply for an Encumbrance Certificate in Karnataka online, documents required, fees, eligibility and how to track status of your application. Read on!
An encumbrance certificate or EC is a document that validates a property title when a property is bought. It verifies that the property is free from legal and monetary dues. An EC document proves the ownership of a property buyer.
In 2018, to make the application process for an EC easier for property buyers, the Karnataka government set up KAVERI online services. Property owners can easily upload all the important documents and apply for an Encumbrance Certificate online. The system calculates the market value and the application is sent to the sub-registrar. Once the application is approved, property buyer may proceed to pay the stamp duty charges and registration fee on the same website. To complete the formalities, an appointment can be booked with the sub-registrar. Later, download the certified copies of all important documents related to the property.
Follow these steps to apply online for an Encumbrance Certificate in Karnataka in 2023:
Visit the Kaveri Online Services portal and fill out the registration form for a new user by clicking on ‘Register as a New User’.
After submitting the form, you will receive an activation code on the email address and phone number you have provided and a password to log in. Next, enter the code given and tap on the ‘Activate’ button.
Now log in with your credentials and change the password.
Select the ‘Online EC’ option from the ‘Services’ list.
Choose the duration of property registration and upload the required property details. Click on the ‘Send OTP to view document’ checkbox, and you will receive an OTP on the registered mobile number. Enter the OTP and click on ‘View Document’ to view or download the PDF.
Click on ‘Check to apply for digitally signed EC’, and a document will open.
The document will have a ‘Proceed’ button. Click on that to pay the Encumbrance Certificate fee and download the PDF. A payment receipt will be generated.
You can track the status of your EC for property online easily in just a few steps mentioned below.
You can easily register a property sale deed on KAVERI online services portal. Follow these steps:
You can locate the nearest SRO through the online portal as well.
An EC in Karnataka contains the following property details:
The following list of individuals is eligible for an EC in Karnataka.
The list of documents required to apply for the Encumbrance Certificate online in Karnataka is given below:
|Application Fee||Rs. 5|
|Search of the First Year||Rs. 30|
|Every Subsequent Year||Rs. 10|
The processing time for obtaining Encumbrance Certificate in Karnataka is about 2-3 days.
This list includes the services you can find on Kaveri Online Services portal.
Note: It is impossible to get a nil encumbrance certificate in Karnataka if the owner is paying off a loan taken to finance the purchase of the property.
The online application process for the Encumbrance Certificate in Karnataka is convenient and easy. Refer to the above step-by-step guide to apply for an EC online and check your status. You can also choose to apply for an EC offline.
There are 2 types of ECs – Form 15 and Form 16. The former is requested by buyers and lenders; it contains information about mortgage, lease, gifts, etc. Form 16 is also known as nil encumbrance certificate, which mentions that the property is free from loan or mortgage.
An EC contains information like transfer of ownership, owner details, mortgage (if any), etc. These details are required for buying and selling properties.
Odisha, Andhra Pradesh, Kerala, Tamil Nadu, Puducherry, Telangana and Uttar Pradesh issue EC online. In most of the states, you have to visit the Sub-registrar Office.
It takes around 15 to 30 days to get EC offline, whereas it takes 6 to 7 days if issued online. So it’s preferable to get EC online (if applicable).
You will need EC for the following reasons:
1. Buying a property
2. Selling a property
3. Applying for a home loan
4. Withdrawing PF to purchase a property
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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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