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How to Download Encumbrance Certificate (EC) Online via Villangam
Last updated: Oct 2026
A Villangam certificate lists the registered transactions on a property for a period you choose. It is the record a lender asks for, to confirm that no registered mortgage or claim is pending.
- Portal: tnreginet.gov.in, under E-Services, then Encumbrance Certificate
- Search by: survey number and sub-division, or document number and year
- Viewing: free online, per third-party guides
- Certified copy fee: Rs. 1, plus Rs. 30 for the first year and Rs. 10 for each added year
Example: a 30-year certificate costs Rs. 321
Search at least the last 30 years before you pay a token amount. Then read every entry and ask the seller to explain any mortgage that shows no release.
What is a Villangam certificate?
Villangam is the Tamil word for the encumbrance certificate (EC). It shows the registered transactions on a property for a period, such as sales, mortgages, releases and gifts. The Registration Department of Tamil Nadu issues it, and the TNREGINET portal serves it online.
A certificate with no entries is a nil certificate, and it shows that nothing was registered against the property in that period.
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What does a Villangam certificate show, and what does it miss?
It shows registered transactions only. It cannot show anything that was never registered.
| It shows | It does not show |
|---|---|
| Registered sale deeds and gift deeds | Unregistered agreements |
| Registered mortgages and releases | Unpaid property tax or utility dues |
| Registered leases and settlements | Whether the seller's title is clear |
| The parties and the dates | Court cases that are not registered |
Use it with the Patta and Chitta, which record ownership with the revenue department, and with a lawyer's review of the title papers.
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How do I download a Villangam certificate step-by-step?
Six steps cover the download on the Registration Department's portal.
- Open tnreginet.gov.in and register as a user, or log in.
- Go to E-Services, then Encumbrance Certificate.
- Choose Search and Apply EC, or Search and View EC.
- Enter the zone, district, sub-registrar office and village, then the survey number and sub-division, or the document number and year.
- Enter the period from and to, and the captcha, then submit.
Download the digitally signed certificate from the Request List.
Viewing is free online, according to third-party guides. A certified copy needs payment.
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How much does the certificate cost?
A certified copy costs Rs. 1 for the application, Rs. 30 for the first year searched and Rs. 10 for each additional year. The fees come from the Registration Department's fee table as quoted by third-party guides, so confirm them on the portal.
Formula used: Fee = Rs. 1 + Rs. 30 + Rs. 10 × (years searched − 1).
| Years searched | Fee |
|---|---|
| 1 | Rs. 31 |
| 13 | Rs. 151 |
| 30 | Rs. 321 |
Other pages quote different figures, such as Rs. 15 a year. Pay only on the official portal.
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Home loan for professionals
Which period should I search and how do I read it?
Search the last 30 years, because lawyers recommend that period for a purchase. Then read each entry in date order.
| Entry | What to look for |
|---|---|
| Sale deed | The seller appears as the buyer in the previous entry |
| Mortgage deed | A lender holds a charge |
| Release or satisfaction | The mortgage was closed, with a date |
| Gift or settlement | A family transfer that may need extra papers |
A mortgage with no later release means a charge may still stand. Ask for the lender's closure letter, and check the property on the central registry as the guide to CERSAI 2.0 explains.
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A worked example: a 30-year search for a plot
Consider Karthik, a 39-year-old engineer in Coimbatore with a household income of Rs. 1.4 lakh a month and a CIBIL Score of 755, buying a plot. The entries below are hypothetical.
| Year | Entry | Karthik's reading |
|---|---|---|
| 2009 | Sale deed to the seller's father | Start of the chain |
| 2014 | Mortgage to a lender | A charge was created |
| 2019 | Release by the lender | The charge was closed |
| 2021 | Gift to the seller | Family transfer |
The 30-year search cost Rs. 321. Karthik asks for the gift deed and the release papers. He pays the token amount only after a lawyer reviews them.
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Does the Villangam certificate matter for my home loan?
Bajaj Finance runs a legal check on the property, and the encumbrance certificate is one of the documents it reads. Read how the checks work in the guide to legal and technical verification.
| Loan feature | Detail |
|---|---|
| Interest rate | From 7.25% p.a.*, subject to credit assessment |
| Loan amount | Up to Rs. 15 crore* |
| Tenure | Up to 32 years |
Approval timelines can extend where the certificate shows a mortgage without a release, and minimum income thresholds can differ by city. Check your home loan eligibility.
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Frequently Asked Questions
Using the certificate
Fees and follow-up
Is a Villangam certificate the same as an encumbrance certificate?
Yes. Villangam is the Tamil word, and the encumbrance certificate is the English name for the same record. Both list the registered transactions on a property for a period. Ask the seller for the certificate in either name, and make sure that the search period covers at least the last 30 years.
Does a nil Villangam certificate prove that I will own the property?
No. It shows that no transaction was registered against the property in that period. It does not show unregistered agreements, unpaid dues or a defect in the seller's title. Use it with the Patta, the Chitta, the title papers and a lawyer's review before you pay a token amount or sign the sale agreement.
Can I download the certificate more than once?
Yes. Once you apply, you can download the certificate again from the Request List under E-Services, according to third-party guides. Save a copy with the date of the search. If a new transaction is registered before you buy, an older certificate will not show it, so search again close to registration.
What should I do if the certificate shows a mortgage?
Ask the seller for the lender's closure letter and proof of release, and check whether a release entry follows the mortgage. If the loan is still open, ask the seller's lender and your lender to settle it from the sale proceeds at registration. Do not pay the balance until the charge is released.
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