Encumbrance Certificate Karnataka – Online and Offline Application Process

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.

Importance of Encumbrance Certificate Karnataka

Now that you have a good introduction to what is an EC Karnataka, below is a list of why it is important to obtain the encumbrance certificate.

• 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.

Application Process for Obtaining an EC Certificate Karnataka

There are two ways in which an encumbrance certificate can be obtained. You can get EC Karnataka offline or you can download the encumbrance certificate online. Both online and offline processes have been made clear and easy by the Karnataka registration department.
Read: Due Diligence in Real Estate: How to do Due Diligence of Property

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).

Note: The encumbrance year begins on April 1st of a calendar year and ends on March 31st of the next calendar year. The EC will be addressed in Kannada, the regional language. 
Read: Sales Deed vs. Sale Agreement: Understanding the Differences

How To Get Encumbrance Certificate Online in Karnataka?

If you have access to the internet, then viewing EC (Karnataka) online is an easy task. Bhoomi EC online (Karnataka) has made it easy for the Kannadigas to have a safe passage of property transfer. Read the steps below to learn how to download an encumbrance certificate online in Karnataka.

Register

Step 1 – To apply for EC online (Karnataka), go to KAVERI’s official website and click on “Register as New User.”

Step 2 – The user registration screen displays; fill in the relevant information. Click Register after filling out the captcha.

Login

Step 3 – After entering your login id and password, click Login to be redirected to the online portal.

Step 4 – Fill up the relevant information and look for the Register of Documents Index. Take a look at the index information on the screen.

Digital EC Karnataka

Step 5 – Online, get a digitally signed copy of the encumbrance certificate (make sure you view the encumbrance certificate online (Karnataka) for any mistakes in the document) and pay the appropriate fee using internet banking or credit/debit card. After you’ve made your payment, click Submit.
Read: Declaration Deed: A Detailed Look at the Deed of Declaration in India

Step 6 – Send the request to the appropriate department now. The operator uploads the concerned authority’s digital signature and uploads it to the site.

Step 7 – Log in to the portal after getting notification of successful processing and receive the digitally signed copy of the Encumbrance Certificate Karnataka.

Print Certificate

Step 8 – Download the printed copy and use it as per requirement.

Note: The Encumbrance Certificate Karnataka takes 2-3 days to process.

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?

The Encumbrance Certificate is issued by the Sub register Office in the form of Form No. 15 or Form No. 16, and below are the specifics of Form 25 and Form 16 that you received in response to your EC request.
Read: A Guide To Homeowner Associations In India

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

With the prevalence and increase in fraud, it is important to be careful with real estate documentation. An encumbrance certificate ensures the validity of a property and its rights. Encumbrance certificate Karnataka is easy to access and fairly simple to understand. Are you looking for legal advice? Our legal assistance team at NoBroker can resolve all your queries. Comment your issue down below, andwe will get back to you shortly.

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