Encumbrance certificate
என்றும் அழைத்தார்: EC
A certificate from the registration department listing the registered transactions on a property, such as sales, mortgages and leases, over a chosen period. It helps a buyer or lender check the title.
An encumbrance certificate (EC) shows what has been registered against a property: earlier sales, gifts, mortgages, leases and similar documents. A certificate that shows no transaction for the period is often called a nil encumbrance certificate.
Who issues it
It is issued by the Sub-Registrar's office, or the State registration department's website, for the area where the property is. You choose the period you want searched, commonly 13 to 30 years for a purchase. The format and the forms used differ from State to State.
When you need it
- Before buying a flat, house or plot.
- When applying for a home loan or a loan against property.
- For mutation of records in some States.
- When selling, because buyers and banks ask for it.
Its limits
An EC shows only registered documents. An unregistered agreement, a pending court case, an unpaid tax or a family claim may not appear. Check those separately, for example with a lawyer's title search and the revenue records.
You can apply with the encumbrance certificate application document. Lenders will also want the original sale deed and title chain.
கீழே உள்ள ஆதாரங்களுக்கு எதிராக சரிபார்க்கப்பட்டது 7 நவம்பர், 2026 IST. இந்திய சட்டம் பற்றிய பொதுவான தகவல்கள், உங்கள் வழக்குக்கான சட்ட ஆலோசனை அல்ல.
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