Encumbrance Certificate or EC is an important property document that provides references to any liabilities in the form of a mortgage or a loan against the property, that has not been cleared. Encumbrance certificate also contains details of all the transactions in a property. Before purchasing a property, it is important to obtain the encumbrance certificate and ensure there are no hidden liabilities.
Inspector General of Registration (IGRS) Tamil Nadu or TNREGINET is an online portal developed by the Government of Tamil Nadu to simplify the registration process (marriage, birth, death, firm, chit fund, etc.). You can also check or search for encumbrance certificate through this portal.
The portal also has detailed information on stamp and registration fees pertaining to various categories. Other than these, you can also check for property valuation through TNREGINET.
Encumbrance Certificate (EC)
Encumbrance Certificate is required for those purchasing a property and for those applying for a loan against property. EC contains all the transactions registered with the Registration Department, relating to a particular property for a certain period. Hence, EC helps a person ascertain the commercial transactions that happened to a property over a long period of time, as per Government record. Typically, banks and financial institutions request the borrower to furnish 10-15 years of EC. In some cases, this can also be extended for up to 30 years.
Online Encumbrance Certificate in Tamilnadu
In Tamilnadu, application for obtaining EC for a property can be submitted online through the Tamilnadu Registration Department website. EC can be obtained in Tamilnadu, within a week of application. The computerisation of EC records has made the entire process easy and fast. The following information must be submitted by the applicant to obtain EC:
- Applicant Information
- Name
- Phone for which EC is required
- Address
- Property address details for which EC is required
- Street Name
- Village
- Zone
- Sub-Registrar Office
- District
- Property details
- Old Door No.
- New Door No.
- Plot No.
- Extent
- Boundaries
- Survey No.
- Ward
- Block
- Division
Tamil Nadu EC Search
Step 1: Log in to Inspector General of Registration (IGRS) Tamil Nadu official website at TNREGINET Portal.
Step 2: On the left-hand side of the page, you will find “E-Services” tab on the menu bar.
Step 3: Put your cursor on it; it will show “Encumbrance Certificate”.
Step 4: Move your cursor to “View EC” and click on it.
Step 5: You will be redirected to another page where you have to select from two options— “EC” or “Document-wise”.
Step 6: If you select “EC”, you have to fill in the required fields, including zone, district, Sub-Registrar Office, EC start date, EC end date, and village, among others.
Step 7: Enter the captcha and click on the “search” button to check the concerned EC certificate.
Step 8: Alternatively, you can view a certificate by selecting the “Document-wise” option.
Step 9: Upon selection, fill in the required fields, including Sub-Registrar Office, document number, year, and document type.
Step 10: Enter the captcha and click on the “search” button to check the concerned EC certificate.
FAQs
Where can I view the transaction status for my e-payment?
Use this path to check your transaction status – E-services-> E-Payment-> Payment-> Payment status.
Is there any particular timeline to get the encumbrance certificate?
As per the Standing Order 979(ii), with respect to the offices and period, which is not computerised, the encumbrance certificate shall be completed and issued within 4 days from the date of application submission. For computerised period, the encumbrance certificate will be issued right away.
Why is it important to have encumbrance certificate?
With encumbrance certificate, you can get detailed information on previous transactions, which will help you achieve proper entitlement of the concerned property. Hence, it’s always recommended to get encumbrance certificate.
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