🧾 How to Check EC (Encumbrance Certificate) Online in India – Step-by-Step Guide (2025)
Whether you're purchasing property, applying for a home loan, or verifying land ownership, the Encumbrance Certificate (EC) is a crucial legal document. It confirms that a property is free from legal or monetary liabilities, such as loans, mortgages, or disputes.
In this blog, we explain what EC is, its importance, and how to check EC online in major Indian states.
📌 What is an Encumbrance Certificate (EC)?
An Encumbrance Certificate is issued by the Sub-Registrar Office (SRO) and contains a record of all transactions (like sale, mortgage, lease, gift, etc.) made on a property for a given period.
✅ Why is EC Important?
- Confirms clear title and legal ownership
- Ensures property has no outstanding loans or mortgages
- Required for property registration, home loans, and mutation
- Helps prevent fraudulent or disputed transactions
🖥️ How to Check EC Online in India (State-wise Guide)
Most Indian states now provide online EC services via their official registration department websites. Below is a step-by-step guide with verified government links.
🔎 Steps to Check EC Online in Telangana
- Visit the official website: https://registration.telangana.gov.in
- Navigate to Online Services > Encumbrance Search (EC Search)
- Accept the disclaimer and click Submit
- Choose Search by Document Number / Form Entry (Survey No, Flat No, etc.)
- Enter:
- Sub-Registrar Office (SRO)
- Year range (e.g., 2000–2025)
- Captcha code
- Click Submit to view or download the EC in PDF format
🔎 Steps to Check EC Online in Andhra Pradesh
- Visit: https://registration.ap.gov.in
- Click Encumbrance Certificate (EC) under Online Services
- Accept disclaimer and proceed
- Enter:
- Document No. or Property Details (Survey Number, House Number, etc.)
- SRO name
- From year – To year
- Submit to download the EC
✅ All-India EC Online Check – State-wise Official Websites
| 🏛 State / UT | 🌐 EC Official Website / Portal |
|---|---|
| Andhra Pradesh | registration.ap.gov.in |
| Arunachal Pradesh | ❌ Not available online – visit local Sub-Registrar Office (SRO) |
| Assam | ❌ Not available online – manual process at SRO |
| Bihar | biharregd.gov.in |
| Chhattisgarh | cgigr.gov.in |
| Delhi (NCT) | doris.delhigovt.nic.in |
| Goa | registration.goa.gov.in |
| Gujarat | garvi.gujarat.gov.in |
| Haryana | jamabandi.nic.in |
| Himachal Pradesh | himachal.nic.in/revenue |
| Jharkhand | jharbhoomi.nic.in |
| Karnataka | kaverionline.karnataka.gov.in |
| Kerala | keralaregistration.gov.in |
| Madhya Pradesh | mpigr.gov.in |
| Maharashtra | igrmaharashtra.gov.in |
| Manipur | ❌ Not available online – manual process |
| Meghalaya | ❌ Not available online – manual process |
| Mizoram | ❌ Not available online – manual process |
| Nagaland | ❌ Not available online – manual process |
| Odisha | igrodisha.gov.in |
| Punjab | igrpunjab.gov.in |
| Rajasthan | igrs.rajasthan.gov.in |
| Sikkim | ❌ Not available online – visit local office |
| Tamil Nadu | tnreginet.gov.in |
| Telangana | registration.telangana.gov.in |
| Tripura | ❌ Manual – SRO visit required |
| Uttar Pradesh | igrsup.gov.in |
| Uttarakhand | registration.uk.gov.in |
| West Bengal | wbregistration.gov.in |
🇮🇳 Union Territories – EC Access Status
| 🏛 Union Territory | 🌐 Website / Status |
|---|---|
| Andaman & Nicobar | ❌ Manual – local SRO only |
| Chandigarh | chandigarh.gov.in → Revenue Dept. |
| Dadra & Nagar Haveli | ❌ Manual process |
| Daman & Diu | ❌ Manual process |
| Jammu & Kashmir | jkigr.nic.in (partial services) |
| Ladakh | ❌ Manual process |
| Lakshadweep | ❌ Manual – EC not available online |
| Puducherry | registration.py.gov.in |
📌 Note: Always use the official websites to avoid fraud. States marked ❌ require you to visit the local Sub-Registrar Office for EC manually.
📄 What Details Do You Need to Check EC?
- Document Number (if available)
- Property Details (Survey Number / House Number / Flat No)
- Sub-Registrar Office (SRO)
- Date Range (e.g., from 2000 to 2025)
📌 Note:
An Encumbrance Certificate is your legal safety net while dealing with property. Always check EC before making any real estate decisions — it ensures you’re buying a clear, undisputed property.
💡 Pro Tip: If your EC shows "Nil Encumbrance", it means the property has no legal burden in the selected date range.
For any assistance, you can visit your local SRO or consult a property lawyer.
Frequently Asked Questions (EC - Encumbrance Certificate)
1. What is an Encumbrance Certificate (EC)?
An EC is a legal document that certifies a property is free from monetary or legal liabilities like a mortgage or loan.
2. Why is EC important?
EC ensures the property you're buying is clear of any dues. It's essential for buyers, banks, and legal authorities during ownership verification.
3. Where can I get an EC?
You can apply for an EC at the Sub-Registrar Office (SRO) or online through your state's official registration department website.
4. Is EC available online in India?
Yes, many states offer online EC services like Telangana (IGRS), Andhra Pradesh (IGRS), Karnataka (Kaveri Online), Maharashtra, and Tamil Nadu.
5. How much time does it take to get EC?
Physical EC may take 3–7 working days. Online ECs are often generated instantly or within 1–2 days, depending on the state's system.
6. What details are required to apply for EC?
You’ll need property details (survey number, house/flat number), owner details, registration year, and SRO location.
7. What is the fee for EC application?
Fees vary by state and period requested. For example, Telangana charges around ₹100–₹500 depending on the years of search.
8. Is EC proof of ownership?
No. EC shows transactions related to a property but doesn't prove ownership alone. It's a supporting document.
9. What if the EC is blank?
A blank EC means there were no transactions or encumbrances during the selected period — which is a good sign for buyers.
10. What is Form 15 and Form 16 in EC?
Form 15 lists all transactions (sale, mortgage, lease). Form 16 means no encumbrance found during the requested period.
11. Can EC be corrected if errors are found?
Yes. You must approach the Sub-Registrar Office with proof and apply for rectification of incorrect entries in the EC.
12. Is EC required for home loans?
Yes. Banks ask for an EC (usually for 13–30 years) to ensure the property has a clear title and no financial liabilities.
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