How to apply for an encumbrance certificate online in Karnataka?

An encumbrance certificate in Karnataka is a significant legal certificate declaring whether a property is subject or not subject to, or exempt from, any financial or legal liability. It is primarily utilised when the property is being transferred, a house transfer, if in a mortgage loan, or when the owner of the property is being transferred. Karnataka citizens now have a less time-consuming process for obtaining an encumbrance certificate from an online portal under Kaveri Online Services launched by the state government.

This is a step-by-step guide to obtaining an EC online in Karnataka, the requirements, the cost incurred, and how one can obtain the certificate for buying it.

What is an encumbrance certificate?

An encumbrance certificate is documentary proof that confirms the legal status of property. It is any registered transaction on the property, like:

• Sale or purchase
• Mortgages
• Leases
• Gift deeds
• Release deeds
• Release of claims

It is advisable to mention that the property is free of claims or liabilities (free of encumbrances) and can be purchased safely or otherwise legally utilised.

Why an encumbrance certificate is needed?

The EC has some very crucial roles:

• It is to verify that a property is **not mortgaged** or regarding which any dispute is pending.
• It is to be procured while availing a **home loan**.
• It is utilised in the mutation of civic corporation property.
• It is utilized in the history of ownership when selling or purchasing a property.

EC also has to be obtained in Karnataka when purchasing some government subsidies or altering land records.

How to get an encumbrance certificate online?

If you are thinking about how to get EC online in Karnataka, then you must know that the Karnataka Government offers a relief portal known as “Kaveri Online Services”. Through which one can apply for an encumbrance certificate without setting foot in the sub-registrar’s office.

• Log in to the portal of Kaveri online services portal: Visit the official site of https://kaverionline.karnataka.gov.in. This is the official Karnataka Government site for land-based services.
• Register yourself as a user: If you are a new user, then you have to register by clicking on the “Register” option present in the top right corner of the homepage. Give all your details, such as name, phone number, residential address, and email ID. Select a username and password. Do verification of your account through OTP that is sent to your registered mobile number..
• Go to the “online EC” section: Log in and go to the “online services” menu, and then choose “Apply online for EC.” You will get redirected to the page that contains the application form.

Application form for encumbrance certificate: You are required to give  all details of the property in detail

• District and Sub-Registrar Office
• Nature of property, whether residential, commercial, or agricultural
• Time for which the EC is  to be issued
• Property information such as survey number, plot number, or house number
• Property boundary, such as north, south, east, west
• Name of owner
• Carefully fill in all the details of the property in the format as it would be pronounced during a valid transaction history.

Online payment: After you enter all the details, the system will automatically determine the fee for the duration you wish to search for. The default rate plan is as follows:

– ₹5 for a year of search

– Service charges

– Payment gateway charges

Payment can be done online via net banking, credit/debit card, or UPI. Acknowledgement and application number will be sent after successful payment.

Apply: Submit the EC application after successful payment. The application will be made digital and will be sent to the concerned Sub-Registrar Office (SRO) for processing. You can keep your application number handy so that in the future, you can check the status.

Once you have submitted an EC online, you can even check its status on the portal. Log in to the portal, enter the login credentials, and then choose the “Track Application” or “Online EC Status” option. Enter the application number, and the system will update the status— in progress, issued, or rejected.

Downloading the encumbrance certificate: After it has been validated and removed from the certificate, you can download the certificate from the portal itself in the following way:

• You would need to log in to your Kaveri Online Services account.
• Utilise “Online EC.”
• Utilize the “Download EC” facility.
• The EC would have been in PDF format and would bear a digital signature on it, which holds official approval.

What is a nil encumbrance certificate?

If there were no registered money transactions or charges in a period, you would have been given a **nil encumbrance certificate**. Neither was there a property transfer nor any mortgage or charge registration for the same time. Nil EC is in the best interest of future buyers and banks as well.

Documents required for EC application for reference

Though the portal does not ask you to upload anything, it would be easy if you have them with you while filling out the application:

• Old copy of EC (if already in your hand)
• Recent receipt of property tax
• Copy of the sale deed or documents of registration of property
• Site number or boundary and survey details
• Aadhaar card or ID proof for authentication

All these will make it easy for you to complete the form.

Time to issue EC

The encumbrance certificate will be issued in **2 to 5 working days** from the date of application. If the application is submitted manually or the documents of the property concerned are pending, it will be delayed.

Karnataka online encumbrance certificate usage is very cheap. It is ₹100 to ₹300, depending on application years and application fees, and others, etc. The payment process online is very easy and also highly secure.

Offline process for the application

If you don’t mind the regular procedure, or there is something wrong on the net, then proceed to the local Sub-Registrar Office. Complete the EC application form, documents, and fees. More and multiple visits.

Conclusion

The online availability of EC services from the EC level through the state government in Karnataka has made obtaining an Encumbrance Certificate (EC) faster and simpler than ever before. Through Kaveri Online Services, the  EC application process remains cost-effective, user-friendly, and easily accessible.

The EC serves as an essential document for anyone who wants to purchase real estate and needs to apply for a loan or verify property ownership. Auction  Dunia provides professional support so you can obtain your EC document effectively whenever you need assistance with the application process. The property experts from Auction Dunia will assist you through each document requirement to achieve a seamless and stress-free property procedure.