An Encumbrance Certificate (EC) is your proof that a property is free from legal or financial liabilities—like loans, mortgages, or disputes.
What Is It?
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A legal document that records all registered transactions related to a property
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Confirms whether the property has any outstanding dues, claims, or mortgages
Why It Matters:
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Ensures Clear Title: Confirms the seller has full rights to sell
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Protects Buyers: Avoids hidden liabilities or legal surprises
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Required for Loans: Banks demand EC before approving home loans
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Essential for Registration: Needed during property transfer or mutation
How to Get It:
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Visit the Sub-Registrar’s Office where the property is registered
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Or apply online via your state’s land records portal (available in Telangana, Tamil Nadu, Kerala, etc.)
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Submit property details + period of search (usually 13–30 years)
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Receive EC in Form 15 (if encumbrances exist) or Form 16 (if none)
