Is your Credit Score >750?
- Get low interest loans & Lifetime FREE credit cards
- Get customized Credit Health Report
- Improve your creditworthiness
The Tamil Nadu Encumbrance Certificate ensures property transparency in Tamil Nadu. The certificate acts as a historical record for properties and reveals all current claims and liabilities. To make acquiring this document simple, the Government of Tamil Nadu has created an intuitive online platform named TNREGINET. By simply entering your details and submitting them, you can get valuable property insights with unparalleled ease and transparency.
What Is An Encumbrance Certificate?
The encumbrance certificate, abbreviated as EC is a legal document provided by the sub-registrar who is in charge of the property’s area. It holds information about the property’s ownership, past transactions, and other appropriate particulars. The certificate serves as proof of a person’s rightful ownership of the property and is crucial in preventing legal conflicts.
The Reasons For Having an Encumbrance Certificate
1. The encumbrance certificate is an important document confirming that the property does not have any outstanding liabilities. For instance, this certificate corroborates that the previous owner has not taken any loan against the property in question.
2. This document can be furnished as proof of ownership when the owner wants to take a loan against the property or a home loan.3. The EC is also needed for the mutation of a property.
4. If a land or property tax remains unpaid for more than three years, the encumbrance certificate is furnished to the village or panchayat officer to update the records.
5. An EC is required when an individual wants to withdraw money from a PF account.
How To Apply For An Encumbrance Certificate Online in Tamil Nadu?
Step 1: To start with the application process, register on the TNREGINET portal. If you are already an existing user, sign in, otherwise sign up to access the services.
Step 2: While signing up, users should fill in details like the username, password, address, and the unique identification number - PAN/Aadhaar/Driving License/Others along with contact information.
Step 3: Post successful sign-up, an OTP will be sent to your provided contact number. Also, a verification link will be sent to your email.
Step 4: Once your details are verified, you can log into the TNREGINET portal.
Step 5: Now, navigate to the ‘Encumbrance Certificate’ and continue to the section ‘Search and apply EC’.
Step 6: In this section, you will have to provide the following details
- Location: Zone, district, sub-registrar office.
- Survey details: Village, survey number, subdivision number.
- Time: EC start date and EC end date.
- House details: Plot number, door number, flat number, ward, block, boundary details, extent, and build-up area.
- Additional details: old survey number, TS number, old door number, declared owner, father’s name, and any registered document.
Step 7: After entering the details, complete the captcha search for the encumbrance certificate for Tamil Nadu.
Step 8: On clicking ‘Search’, documents pertaining to the entered details will be displayed. Proceed to ‘Apply Online.’
Step 9: Enter your name, contact details, save the information, and proceed to the section on payment.
Step 10: Review your payment details, choose the option for payment, and then proceed to the e-payment screen.
Step 11: Provide details such as your name, address and sub-registrar office in the e-payment section.
Step 12: Choose the desired bank for e-payment and complete the payment process.
Step 13: On paying successfully, you will get a bank reference number, CIN number, and transaction ID. Keep these details safe and accessible.
Step 14: After choosing the applicable data and getting the sub-registrar’s approval, the encumbrance certificate with a QR code on all pages and the sub-registrar’s digital signature at the end will be accessible in your login. An SMS notification will also be sent to you.
Documents to Apply for Encumbrance Certificate Offline in Tamil Nadu
You will have to provide the following documents to apply for an Encumbrance Certificate (EC) or Villangam certificate.
- An attested copy of your address proof
- Complete details and documents of the property for which you are going to apply for the certificate
- Property title deeds
- Property address, survey number, document number
- Copy of any sale deed of the property
- Purpose of EC application
- Duration of the EC needed
- An attested copy of the power of attorney is required if an attorney holder applies.
How to Apply for Encumbrance Certificate Offline in Tamil Nadu?
Step 1: Submit the necessary documents along with an application at the sub-registar’s office.
Step 2: The appropriate authority will accurately review all the documents to ensure their legal validity.
Step 3: After the review process, the Encumbrance Certificate (EC) will be issued. It will contain the details of all the transactions made with the property. If there are no transactions, a Nil Encumbrance Certificate will be given.
It will take approximately 15 to 30 days from the date of application to issue the Encumbrance Certificate.
Process to View/Download Tamil Nadu Encumbrance Certificate?
Step 1: Visit the official TNREGINET portal.
Step 2: On the homepage, Go to the ‘Encumbrance Certificate’ section
Step 3: Click on the ‘Search/View EC’ tab.
Step 4: You will have to enter certain information by choosing either ‘EC’, ‘Document-wise’, or Plot-wise’ options.
Step 5: You will have to enter the required details such as the village, EC start date, EC end date, Sub-Registrar office, zone, district, and others.
Step 6: After providing the required details, click “search”
Step 7: Enter the Captcha code and click ‘Search’
The system will generate and display the Encumbrance Certificate immediately for your reference.
Why Do You Need an Encumbrance Certificate?
An encumbrance certificate is a vital document required to ensure that the property that you are going to buy is free from any legal or financial liabilities. By getting an encumbrance certificate, you can find out whether there are any charges or claims on the property and take the required steps to correct them before continuing with the purchase. In this way, you will be ensured that you are the rightful owner without any potential legal disputes.
Further, lending institutions need an encumbrance certificate when applying for a loan against property or a home loan. It is submitted as a proof to the lender for ascertaining that the property is free from all types of encumbrances. EC documents are also required for purposes like mutation of property (Khata registration/Khata transfer/Patta). If property or land taxes have not been paid for over three years, the certificates are shared with the village/Panchayat officer to update the land tax records.
Moreover, encumbrance certificates may be required for various other reasons like property purchase and sale, home building, and withdrawal of PF for a property. By getting an encumbrance certificate, you can be ensured that the transactions pertaining to your property are legal and financially secure. All kinds of complications can be prevented in the future.
Land Registration Fees in Tamil Nadu: Stamp Duty and Charges
Document Classification | Stamp Duty Charges | Registration Fee |
|---|---|---|
Purchase Document | 7% of the market value | 4% of the market value |
Donation Document | 7% of the market value | 4% of the market value |
Transaction | 7% of the maximum property value | 4% of the maximum property value |
Compensation Mortgage | 1% (for loan amount) up to Rs. 40,000 | 1% (for loan amount) up to Rs. 10,000 |
Mortgage (Independent) | 4% (for loan amount) | 1% (for loan amount) up to a maximum of Rs. 2,00,000 |
Selling Agreement | Rs. 20 | 1% of the transaction amount (independent sale agreement) |
Building Contract Agreement | 1% for the contract amount | 1% for the contract amount |
Cancellation Document | Rs. 50 | Rs. 50 |
Documents of Partition between Family Members | 1% of market value per component (maximum Rs. 25,000) | 1% of market value per component (maximum Rs. 4,000) |
Partition Documents between Individuals other than Family Members | 4% of the market value of the split component | 1% of the market value of the split component |
Public Authority Document for Sale of Public Power | Rs. 100 | Rs. 10,000 |
Public Authority Document for Sale of Public Power (Per Family Member) | Rs. 100 | Rs. 1,000 |
Public Authority Document for Other than the Sale of Public Power | Rs. 100 | Rs. 50 |
Document of Public Authority (with Transfer Amount) | 4% per transaction | 1% of the transfer amount or Rs. 10,000, whichever is higher |
Handing Over Title Documents | Maximum Rs. 30,000 for 0.5% loan amount | Maximum Rs. 6,000 for 1% loan amount |
Release Deed between Family Members | 1% of market value (maximum Rs. 25,000) | 1% of market value (maximum Rs. 4,000) |
Release Deed amongst Non-Family Members | 7% of market value | 7% of market value |
Leasing within 30 years | 1% for an additional lease amount | Maximum Rs. 20,000 for 1% lease amount |
Leasing within 99 years | 4% for an additional lease amount | Maximum Rs. 20,000 for 1% lease amount |
Leasing over 99 years | 7% for an additional lease amount | Maximum Rs. 20,000 for 1% lease amount |
Document of Trust (In the absence of immovable property) | Rs. 180 | 1% Corpus Fund |
FAQs On Encumbrance Certificate (EC) Online:
1. What is an encumbrance certificate?
An Encumbrance Certificate (EC) is a crucial document that shows the clear title of a property. It is used to authenticate that the property is free of legal and financial liabilities. Lenders need an encumbrance certificate to ensure that the property’s ownership is secure and to make informed lending decisions.
2. Where can I get an encumbrance certificate in Tamil Nadu?
Encumbrance certificates in Tamil Nadu are issued by special officials called sub registrars. These officials take care of specific areas of land in Tamil Nadu. In Tamil Nadu, these certificates are also called ‘villangam’ certificates.