Encumbrance certificate in Kerala -കുടിക്കട സർട്ടിഫിക്കറ്റ് keralaregistration.gov.in

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Content

• How to Apply for Encumbrance Certificate in Kerala
• Step by Step Gude to Apply for Encumbrance Certificate Online with image
• EC Application Process PDF File
• Encumbrance Certificate Fees in Kerala
• Encumbrance Certificate Status Online
• Download Digital Encumbrance Certificate
• Documents Required for Encumbrance Certificate
• Encumbrance Certificate FAQs

Kerala Encumbrance Certificate (കുടിക്കട സർട്ടിഫിക്കറ്റ്):- Encumbrance is a right to, interest in, or legal liability on real property that does not prohibit passing title to the property but that diminishes its value. Encumbrances can be classified in several ways. They may be financial or non-financial. Alternatively, they may be divided into those that affect title (ex: lien, legal or equitable charge) or those that affect the use or physical condition of the encumbered property (ex: restrictions, easements, encroachments). Encumbrances include security interests, liens, servitude(e.g. easements, wayleaves, real covenants, profits a printer), leases, restrictions, encroachments, and air and subsurface rights. Also, those considered as potentially making the title defeasible are encumbrances. Encumbrance: charge upon or claim against land arising out of private grant or a contract.

All the details of any transaction on the property will be listed in it. It is important for you to get this certificate if you plan to buy the property, take out a home loan for it or take a loan against it. In all cases, governmental authorities will insist on a 13-30 years encumbrance certificate. The encumbrance certificate is evidence that the property on sale is free from mortgages, and there are no legal disputes revolving around it. Now it is available for 315 Sub Registrar Offices in Kerala.

How to Apply for Encumbrance Certificate in Kerala

Find out the survey number of the property, and the owners’ name. This is the basic information that is required in order to apply for the encumbrance certificate. Go to the Government of Kerala Registration Department official website keralaregistration.gov.in. Select the encumbrance certificate application in Kerala link. Fill the application with mandatory details such as

• Name of the property owner
• Survey number of the property
• Property description with proper measurements and boundaries
• Period for which EC is requested

The application is made through Form 22 to the Tehsildar with an Rs. 2/- non-judicial stamp. The applicant has to furnish additional details like their complete residential address (with address proof), and the purpose for which the EC is required. Then submit the application to the jurisdictional sub registrar’s office.

The next step is to pay the required fees at the sub registrar’s office for the application to be processed. The Encumbrance Certificate fees in Kerala will be charged year-wise, with even a fraction of the year being considered as a full year. The Tehsildar checks the reports if there is an entry for the property/owner under question. It takes between 15 to 30 days from application to receiving your encumbrance certificate.

Encumbrance is had two categories. EC is issued on Form No. 15 or Form No. 16 based on whether any encumbrance is produced on the property or not. If there is no encumbrance on the property during the specified time period, then Form No. 16 will be issued with nil encumbrances. if there is any charge against the property for the specified time period, then Form No. 15 will be issued. It will also include relevant details like, the nature of the charges produced, documents of the property registered, the amount secured, registration details, references, etc. that have been registered and recorded in Book-I by the registration authorities for the time period for which the EC was requested.

Step by Step Gude to Apply for Encumbrance Certificate Online with Image

To apply for the encumbrance certificate in Kerala, there is no need to visit the nearest sub registrar’s office. Now the EC can get online through the Kerala Registration department keralaregistration.gov.in. Follow the step by step guide to apply online for Kerala encumbrance certificate.

• Go to the Registration Department official page. Click on the “Certificate” on the right top of the home page.
• Select Encumbrance Certificate and Click on “Submit Application for EC”. 
• Enter all the mandatory details
  • Applicants Details
  • Document Details
  • Property Details
  • The boundary of the Property as per the Documents
• Click “Save/Update” button after entering all details.
• Enter the search period and click “CalculateFee” button to calculate the payable fee.
• After clicking Calculate Fee button the payable fee will show in fee details.
• Finally, select/click the “I  Agree” checkbox and click on the “Submit Application” button.
• After submitting application form successfully you can download acknowledgement by clicking “View acknowledgement” button.
• Your transaction ID will be available in the acknowledgement. Keep your transaction ID for future reference.

EC Application Process PDF File

Encumbrance Certificate Fees in Kerala

The Kerala Stamp Act, 1959 is last amended by Kerala Finance Act, 2019 and the Table of Registration fees is last amended by G.O.(P) No.113/2019/TD. dated 24.07.2019. The new registration fee for encumbrance certificate is mentioned in the below table.

Sl.No	Transaction	Fee (in INR)
1	Application fee for certified copy & Encumbrance Certificate ( single search & General search)	15
2	Single Search / General Search for first 5 years	105
3	Single Search / General Search for 6 to 30 years	265
4	Single Search / General Search for years exceeding 30 years	INR. 30/- for each year exceeding 30 years in addition to INR.265

Encumbrance Certificate Status Online

Applicants can check the payment status and application status online. Enter Transaction ID and Security code to check encumbrance certificate status in Kerala. Follow the below-given steps to check application status.

Steps:-

• To know your EC Application status, log in to official website http://keralaregistration.gov.in 
• Select Certificates -> Encumbrance Certificate -> EC Status
• Enter Transaction ID and Security code
• Click on Check status button
• If the status of your application is “Certificate Issued”, then the digital certificate will be available for download
• Click on the ” [ Download Certificate ] ” icon, to download the certificate
• Follow the verification steps provided, to verify the signature.

Download Digital Encumbrance Certificate

Applicants can download digital encumbrance certificate after submitting an application. The Encumbrance certificate download option will be available on the official website when the status of your application is showing “Certificate Issued”. To download the certificate please click on the download icon.

• Verify the signature on the certificate by pressing on the “click on” button.
• Download the varified certificate online.

Documents Required for Encumbrance Certificate

To apply for an Encumbrance Certificate in Kerala the below-given document are required. For know more about the documents required for encumbrance certificate application please visit the nearest Sub-Registrar’s Office to in your region.

• Property details and its title deed details.
• The property sale deed/ gift deed/ partition deed/ release deed if a deed has been executed previously.
• The deed number upon registration containing the date and book number along with the signature of the applicant.
• Property registration document.
• Address proof of the applicant.

Encumbrance Certificate FAQs

• How to get an Encumbrance Certificate for a property?
  – You will get Encumbrance Certificate for a property in a nearest sub-registrar office in your region. Submit an application form to the sub-registrar or fill the application form online.
• What is an encumbrance certificate?
  – Encumbrance Certificate is a document contains all the transactions registered relating to a particular property for a certain period.
• Can we take the Encumbrance certificate online?
  – Yes, Fill the Form 22 online and submit it with required documents online.
• How long will it take to get encumbrance certificate in Kerala?
  – After Applying EC, it will take 15 to 30 days to sanction an encumbrance certificate by Sub Registrar officer.