Encumbrance Certificate Karnataka serves as a crucial document for confirming ownership and legal status of properties in the state. This certificate ensures a property is free from legal encumbrances like debts or mortgages, providing clear evidence of ownership.
Easily accessible, the process of obtaining an Encumbrance Certificate in Karnataka is straightforward, especially with the introduction of the KAVERI online services by the state government in November 2018. Through this online platform, users can effortlessly submit their property details and apply encumbrance certificate online Karnataka.
The system evaluates the property’s market value and guides applicants through the payment of necessary fees and scheduling appointments with the Sub-Registrar to finalise the documentation process.
Encumbrance Certificate in Karnataka 2023
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.
Importance of Encumbrance Certificate Karnataka
- An encumbrance certificate is a necessary document while purchasing land or property in India since it serves as proof of ownership. As a result, an EC is required when transferring property.
- Apart from property purchases, the encumbrance certificate of Karnataka must be submitted while asking for a loan against the property with any banks or financial institutions, since it certifies that the property is free of legal liabilities.
- Property mutation (Khata Registration / Khata Transfer / Patta) requires the use of an EC.
- If the property or land tax has not been paid for more than three years, this certificate requires that the land tax records be updated.
- The encumbrance certificate is a required document when purchasing a home or building a new construction project.
Attributes of Encumbrance Certificate
- The certificate holds the name of the property owner
- The Certificate usually pertains to a specific period, and transactions related to a property relevant to that period alone will be considered.
- Those transactions and documents that have been registered with the office alone will reflect in the Encumbrance Certificate.
How to Apply for an Encumbrance Certificate (EC) Online in Karnataka?
Visit Kaveri Online Services portal for User Registration
Visit the Kaveri Online Services portal and fill out the registration form for a new user by clicking on ‘Register as a New User’.
- Login with Username and Password
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.
- Change Password
Now log in with your credentials and change the password.
- Choose ‘Online EC’
Select the ‘Online EC’ option from the ‘Services’ list.
- Enter Property Details
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.
- Submit Application
Click on ‘Check to apply for digitally signed EC’, and a document will open.
- Complete Payment
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.
How to Get EC Karnataka Offline?
This section deals with how to download the encumbrance certificate Karnataka application form in pdf. Below are the quick easy steps which guide you through the process of the encumbrance certificate application form:
Step 1 – Address the application in form 22 to the sub-registrar’s office, under the jurisdiction where the property registration takes place.
Step 2 – Fill out the form with the information below and attach the required papers.
- The names of two persons named in the registered deed (for example, the seller and buyer in a sale deed, or the gifter and giftee in a gift deed) should be put as executant and claimant, respectively.
- The property’s specifics, including the accurate village name and a description, should be provided.
- The property description is identical to the property’s complete schedule*, which may be found in the deed copies.
- The time period for which the EC must be extracted must be specified in the application.
Step 3 – Pay the appropriate encumbrance certificate fee Karnataka for the requested period of encumbrance. Even if the EC is only for a month, the applicant is required to pay a one-year price.
Step 4 – When the encumbrance certificate Karnataka is issued, the applicant will be given an application number. (Note down the number for future references).
Documents Required for Obtaining an Encumbrance Certificate Karnataka
- Application form
- Address proof (attested copy)
- A photocopy of any previously executed property deeds, such as sale deeds, gift deeds, partition deeds, release deeds, and so on.
- Information on the property and its title.
- It should bear the applicant’s signature, as well as the registered deed number, date, book number, volume/CD number, and book number.
- The EC is necessary for the following time.
- The reason for which the EC is being used.
- In the event of an application, the attorney holder makes a copy of the Power of Attorney.
- If you have an Aadhar card, you can use it to get a property card.
What is the Encumbrance Certificate Karnataka Form 15/Form 16?
Encumbrance certificate Karnataka Form 15: The EC on Form 15 contains information about leases, mortgages, sales, partitions, gifts, and other matters, and if a property is registered with these facts in the registration office, a Form No 15 will be issued, which is frequently requested by buyers or loan providers.
Encumbrance certificate Karnataka Form 16: This is a Nil document that has been issued by the sub-registrar office as if an Encumbrance Certificate on Form No 16 has been issued, and it indicates that the property has not been involved in any dispute or transaction since the EC was requested, where the EC on Form No 16 is also known as a Nil Encumbrance Certificate.
Fee For Obtaining Encumbrance Certificate Karnataka
| Application Fee | Rs. 5 |
| First Year | Rs. 30 |
| Subsequent Years | Rs. 10 |
FAQs
What are the different types of encumbrance certificates
What details are mentioned in EC?
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