How To Apply For An Encumbrance Certificate in Karnataka Online: Documents, Eligibility And Fees

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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!

Encumbrance Certificate in Karnataka

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.

How to Apply for an Encumbrance Certificate in Karnataka Online 

How to Track the Encumbrance Certificate in Karnataka Application Status Online

You can track the status of your EC for property online easily in just a few steps mentioned below.

• Go to the Kaveri Online Services portal.
• Log in with your credentials. 
• Choose ‘Online EC Application’ from the ‘Service Type’ option.
• If the certified copy of your EC is available online, you will be given an option to download it. 

Also Read: Encumbrance Certificate: Definition, Types And Steps To Apply

How to Register a Sale Deed on the Kaveri Online Services Portal in Karnataka

Here are the steps for registering a sale deed on the online portal:

1. Visit Kaveri portal as a registered user or register yourself as a user. 
2.  After that, click on the ‘Document Registration’ tab under ‘Pre-registration Data Entry’. 
3. Fill in the details as required. Along with the documents, you need to provide the execution date, the number of parties involved, and the number of pages of your sale deed.
4. Next, you will have to fill in details of the involved parties and witness the information in their ID. 
5. Fill in details like property’s name, revenue district, and district of the property as well. Also, mention the district in which you will be registering the property along with the closest SRO office. 
6. Calculate stamp duty charges by filling in details like type of property, total area, name of the neighbourhood, and the measurement unit used. 
7. Upload documents like sale deed, NOC, proof of address and identity of both buyer and seller. 
8. Click on ‘Consideration payment details’ for choosing your preferred payment method. Fill in details like challan number, date, and cheque number.  
9. Finally, you have to book an appointment to get your sale deed registered and visit the nearest SRO office on the date given.

How to Locate the Office of the Sub Registrar in Karnataka via Kaveri Online Services Portal

You can locate the nearest SRO through the online portal as well. 

• Visit the Kaveri Online Services portal. You can find the ‘Locate SROs’ option from the ‘Services for Guest User’ menu. 

• From there, you have to choose district along with the village name and name of the mágani. Then, click on ‘Search’.
• You have to click on the SRO Office Name from the given list to get details and locate the nearest office. 

Property Details in Encumbrance Certificate in Karnataka

An EC in Karnataka contains the following property details:

• Property owner’s name.
• Documents and transactions registered with the office.
• Description of the property in the Sale Deeds.
• Transaction date, name of the parties involved in the transaction, document number, book number and volume number.
• Transaction relevant to the specific period.
• Loan details.

Eligibility Criteria for Encumbrance Certificate in Karnataka

The following list of individuals is eligible for an EC in Karnataka.

• Owner of the land
• Applicant who wants to purchase the land
• Authorised signatory or attorney holder 

Documents Required for Encumbrance Certificate in Karnataka

The list of documents required to apply for the Encumbrance Certificate online in Karnataka is given below:

• Application form
• Aadhaar card
• Attested copy of address proof
• Property card (if available)
• Property details
• Purpose and period for which EC is needed
• A copy of Power of Attorney (if the application is submitted by an attorney holder) 
• Photocopy of previously executed deeds of the property, such as gift deeds, sale deeds, partition deeds, release deeds, mortgage deeds, lease deeds, etc.  
• The registered deed number, date, volume number, book number, and signature of the applicant

Fees for Getting an Encumbrance Certificate in Karnataka 

Encumbrance Certificate in Karnataka Processing Time

The processing time for obtaining Encumbrance Certificate in Karnataka is about 2-3 days.

List of Services Provided by Kaveri Online Services Portal in Karnataka

This list includes the services you can find on Kaveri Online Services portal. 

• Locate Sub-Registrar’s Office: You can locate the SRO office from ‘Locate SROs’ tab under ‘Services for Guest User’ menu. 
• Property Valuation: You can get your property evaluated from ‘Know Your Property Valuation’ link under ‘Services for Guest User’ options. Also, you can choose from basic and advanced options on the redirected page and fill in details.
• Stamp Duty and Registration Fee Calculation: From ‘Services for Guest User’, choose ‘Stamp Duty and Registration Fee Calculator and do the necessary. 

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. 

Also Read: How To Apply For Encumbrance Certificate In Tamil Nadu?

How to Register Sale Deed on KAVERI Online Services?

You can easily register a property sale deed on KAVERI online services portal. Follow these steps:

Step 1: Visit KAVERI online services website.

Step 2: Register yourself.

Step 3: Login and click on the ‘Document Registration’ tab under the ‘Pre-Registration Data Entry’.

Step 4: Enter the details of the parties, witness details, property details, location details and closest SRO office details.

Step 5: Calculate the stamp duty charges by entering property type, total area of the property, neighbourhood name and measurement unit used.

Step 6: Upload the NOC (no-objection certificate), sale deed and buyer and seller’s ID proof and address proof.

Step 7: Next, select the payment option under the tab ‘Consideration Payment Details’. Enter the bank challan number, challan date and cheque number.

Step 8: Select an appointment date. Visit the SRO office on the selected date to register the sale deed.

Final Word

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. 

FAQs on Encumbrance Certificate in Karnataka

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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.