Kerala is one of the first Indian states to digitise the entire process of obtaining property-related documents. You can easily apply for an Encumbrance Certificate in Kerala, among other documents, on the online portal of the Kerala Registration Department.
The rejoiceful moment of buying a property can turn disastrous if the property has some legal or monetary complications associated with it. Fortunately, an Encumbrance Certificate (EC) protects homeowners in such situations. You need to furnish this legal document while purchasing or selling a property or when applying for a home loan to show that the property is free from any financial or legal burden.
Read on to know how to apply online for an Encumbrance Certificate in Kerala.
The Encumbrance Certificate (EC) in Kerala is proof of property ownership. It is issued by the Registration Department in Kerala and reflects that the property is free of any legal and monetary liabilities. All legal and financial transactions are reflected on an EC. The EC provides a clean title to the property and can ownership can be transferred without litigation.
Before applying for EC in Kerala, ensure that you have the following documents and information:
In Kerala, obtaining an Encumbrance Certificate is hassle-free and extremely convenient. All you have to do is follow this step-by-step guide.
Follow these steps to apply online for an Encumbrance Certificate in Kerala:
Click on Kerala Registration Department to visit the official online portal.
Hover your anchor on the “Certificate” option in the top navigation bar and select ‘Encumbrance Certificate” from the dropdown menu. Then click on “Submit Application for EC.” You will get redirected to a new page containing the application form.
In the application form, you will have to fill out your personal details, document or title deed information, and property details. Once you do this, you can either click on “Save/Update” or continue with the form.
After filling in the search period, you can click on “Calculate Fee” and provide the fee details.
Lastly, provide the purpose of the certificate and click on “Submit Application.”
Upon submitting, you will get an acknowledgement message. Click on “view and print Acknowledgement”, and keep the Transaction ID mentioned in the message handy for future reference.
You will get an SMS containing the status of the application.
EC is an extremely vital document because of the following reasons:
Depending on the property location and the state government body, the application fee to get an Encumbrance Certificate can vary. The Kerala Finance Act, 2019 specifies the revised charges associated with EC.
|Application fee for certified copy and Encumbrance Certificate||Rs. 15|
|For general search for the first 5 years||Rs. 105|
|For general search for 6 to 30 years||Rs. 250|
|For general search after 30 years||Rs. 250 + Rs. 30 for each year exceeding 30 years|
|Priority application||An additional charge of Rs. 100|
Once your application form is submitted, you can check the status of the certificate by following these steps:
In Kerala, if you apply at a Sub-Registrar’s Office, it usually takes a minimum of 15-30 days to receive an Encumbrance Certificate. However, you can expedite the process by applying online. Kerala’s Registration Department takes 2 to 3 working days to process your online application form and provide an e-copy of the certificate.
Note that the entire process of obtaining EC varies across states. Thus, the time it takes to get an EC certificate cannot be specified. Moreover, if an applicant does not fill out the application form properly, there can be a delay in receiving EC.
Purchasing a property is a crucial moment in everyone’s life. It is also a financially demanding situation, requiring a lot of planning and decision making. However, this situation can become more stressful if you invest in a property that does not have a clear title.
Fortunately, residents of Kerala can avoid purchasing a property with financial or legal liabilities by obtaining an Encumbrance Certificate. Through its online portal, the Registration Department allows you to apply for EC in Kerala in a trouble-free manner.
Ans: Yes, you can apply for EC offline by visiting your nearby Sub-Registrar’s Office. You will have to fill out a form and provide certain personal and property-related information. Upon paying the application fee at the counter, you will receive an acknowledgement number. The list of offices in Kerala is available on Registration Department’s online portal.
Ans: To apply for EC offline, you need to fill out Form 22 and submit it to your nearby Sub-Registrar’s Office. On this form, you have to legibly mention your personal and property information in detail.
Ans: Upon filing Form No. 16, you receive a Nil Encumbrance Certificate. It is given when the property has no deeds of previous transactions. Thus, for a given period of time, there are no liabilities associated with the property.
Ans: To download your Encumbrance Certificate online, you can visit Registration Department’s website. On the main page, scroll down and click on “View/Download Encumbrance Certificate Online.” Type in your Transaction ID and press “Check Status.” Here, you have the option of downloading your EC.
Ans: In India, most applicants apply for an EC by visiting a Sub-Registrar’s Office. Only Andhra Pradesh, Kerala, Tamil Nadu, Odisha, Telangana, and Puducherry have the required facility which allows individuals to apply for EC online.
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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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