The encumbrance certificate online in Kerala is a crucial document for anyone looking to buy, sell, or mortgage a property. It confirms that the property is free from legal disputes or financial liabilities, ensuring a clear title. Whether you are exploring property transactions or planning to apply for a loan against property by Bajaj Finance, obtaining and verifying the encumbrance certificate is essential. The online system makes EC downloads in Kerala quick, transparent, and convenient, allowing buyers and loan applicants to proceed with confidence.
What is an encumbrance certificate in Kerala?
An encumbrance certificate is an official document that records all registered financial and legal transactions related to a property. Issued by the sub-registrar’s office where the property is registered, it helps verify the property’s title and marketability. The EC reflects mortgages, ownership transfers, leases, or any liabilities that may affect ownership. In simple terms, it confirms whether the property is free from encumbrances, making it essential for safe and dispute-free property transactions.
Documents required to apply for an encumbrance certificate in Kerala
Listed below are some documents required to apply for an encumbrance certificate in Kerala:
- Application form: Duly filled application form, available at the sub-registrar office or online via the official portal.
- Property details: Include property survey number, property type, and location details to help identify the property accurately.
- Proof of ownership: Documents such as the sale deed, gift deed, or previous title deed confirming ownership of the property.
- Identity proof: Government-issued ID like Aadhaar card, PAN card, passport, or voter ID of the applicant.
- Address proof: Utility bills, ration card, or Aadhaar card showing the applicant’s current address.
- Property tax receipts: Latest tax receipts to verify that property taxes are paid and up to date.
- Payment receipt: Proof of payment of the applicable fee for processing the encumbrance certificate.
Types of encumbrance certificates in Kerala
Kerala issues two distinct types of Encumbrance Certificates, each indicating a different status of the property’s transaction history.
Form 15
This certificate is provided when the property has recorded financial or legal encumbrances. It lists details such as registered mortgages, loans, court orders, or any claims affecting the property during the specified period.
Form 16
This certificate is issued when no encumbrances are found for the selected period. It confirms that the property has a clear title, offering reassurance to buyers, banks, and lenders before proceeding with transactions.
Transactions requiring an encumbrance certificate
The encumbrance certificate is required in multiple scenarios, reflecting its importance in maintaining transparent property records in Kerala. Here are the primary transactions where an EC is indispensable:
- Buying or selling property: It is used to verify that the property is free from any legal dues or loans.
- Applying for a mortgage or loan: Financial institutions often require an EC to ensure that the property proposed as collateral is legally unencumbered.
- Property transfer: Whether through sale, gift, or inheritance, an EC is required to establish a clear title transfer.
- Legal and government documentation: For certain legal and procedural documentation, the presence of an EC is essential to affirm property credentials.
How to apply for an encumbrance certificate online in Kerala?
The process of obtaining an encumbrance certificate online in Kerala has been streamlined to enhance accessibility and efficiency:
- Visit the Kerala registration department’s website: The initial step involves accessing the official portal dedicated to registration services.
- Application submission: Applicants need to fill out the required details on the portal, including personal information and specifics of the property.
- Document upload: Supporting documents, such as proof of identity and property documents, must be uploaded.
- Fee payment: A nominal fee is payable online, depending on the period for which the EC is requested.
- Processing: Once submitted, the application is processed by the concerned authorities.
- Download encumbrance certificate Kerala: Post-processing, the EC can be downloaded from the portal.
Use of encumbrance certificate in Kerala
An encumbrance certificate serves multiple important purposes in property-related transactions:
- It acts as proof of land ownership and ensures the property has a clear legal title.
- Banks and financial institutions require it when you apply for loans such as home loans or loans against property.
- Village officers use the EC to update official land records.
- It is essential for land mutation processes after purchasing property.
- Employees must submit an EC when withdrawing Provident Fund (PF) for buying or constructing a house.
With digital services now available, applying for an encumbrance certificate in Kerala has become much simpler. You can choose either the online or offline route based on your convenience and preference.
Fees for EC Certificate in Kerala
The cost of obtaining an Encumbrance Certificate in Kerala varies based on the search period requested. Below is a quick breakdown of the applicable charges:
Transactions |
Fees |
Application fee |
Rs. 15 |
For search applicable for the first 5 years |
Rs. 105 |
For search applicable for 6 to 30 years |
Rs. 265 |
For search applicable after 30 years |
Rs. 265 + Rs. 30 for each year exceeding 30 years |
How to download an encumbrance certificate online in Kerala?
Download an encumbrance certificate Kerala offers multiple benefits:
- Convenience: Easily accessible from anywhere, saving time and reducing physical effort.
- Speed: Online applications and processing are quicker compared to traditional methods.
- Accuracy: Digital records minimise human error.
- Security: Enhanced security protocols protect sensitive information.
- Up-to-date information: Online systems are regularly updated to reflect the most current information.
In summary, the encumbrance certificate is a crucial document for property transactions in Kerala, serving as a testament to a property's legal standing. Whether you are buying, selling, or leveraging your property for a loan, the Kerala encumbrance certificate status ensures that all transactions are transparent and legally sound. For those looking to capitalise on their real estate assets, considering a loan against property by Bajaj Finance could be a wise decision. Ensure you have your encumbrance certificate in place for a smooth transaction. Visit Bajaj Finance’s official website to explore more about their loan options and secure your financial future by leveraging your property today.
By using your property as collateral, you can unlock access to large funds of up to Rs. 10.50 Crore*—it is a smart way to manage your finances with ease! Get funds within 72 hours* of approval.
Related Encumbrance Certificates
Related encumbrance certificates provide information about previous transactions, mortgages, or legal claims associated with a property. They help verify ownership history and ensure transparency in property dealings.
