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A Comprehensive Guide to Check EC Of A Property In India Online

Here’s a situation.

You want to buy a house or a property. You connect with a trustworthy real estate agent. After weeks and months of searching for the perfect choice, you find one, and excitedly discuss it with your friend.

Then they ask you, “Did you check the EC of the property?”

You’re stumped. You search on the Internet. And nice! You landed here!

Let’s explore how to find the EC of your desired place within minutes online! 

What is an Encumbrance Certificate (EC)?

An Encumbrance Certificate is a legally verified document that contains the property’s current & previous ownerships and confirms that there aren’t any financial liabilities or legal dues attached. You need to conduct an EC check to ensure a hassle-free property transaction.

You also need an Encumbrance Certificate when applying for a loan to purchase the property or obtaining a loan on an existing one.

People had to visit government centres to apply for an EC in the past. It was a tedious and time-consuming process that could stretch for days. However, with technological advancement, many state governments offer these services online, making it convenient and easy to access these documents in the comfort of your home.

Here is NOVA’s step-by-step guide on checking a property’s EC online! 

Step 1: Finding The Right Website

The initial step is to research and find the official government website. In India, each state hosts its website where you can apply for and view your Encumbrance Certificate. For example:

Tamil Nadu’s website is

Telungana’s website is

Kerala’s website is

You can search on the internet and find the website of your state.

Step 2: Register to the Portal

The next step is to register/log in to the website using your correct credentials. Your name & contact information are necessary to create a profile on most of the government websites. You can choose a username and password.

Step 3: Fill in Property Details

After you complete your registration, you need to fill out the form with the property details to acquire the Encumbrance Certificate. You will need the property’s address and survey number and choose the Sub-Registrar office. The requirements will differ depending on your state government’s website and portal.

Step 4: Pay the Required Fees

Government portals usually charge a fee for accessing the Encumbrance Certificates online. It usually starts with a Rs. 1 registration fee and can extend to Rs. 100 for applying and receiving the certificates. You need to have a form of payment mode available and ready for online transactions.

Step 5: Verification Process

The portal will initiate the verification process after the registration, application, and payment are complete. The completion time will depend on the number of applicants, the procedure, the type of property, etc. The average time taken for the process to complete is 15-30 days.

Step 6: Download the Encumbrance Certificate

You will be notified once the verification process is complete. You can download the Encumbrance Certificate from the portal.

Here is the important part, you need to review the certificate and its information carefully. Go through the property description, owners’ details, and other recorded transactions and encumbrances.

You can save and print the certificate for your records. Please note, it’s necessary to have digital and physical copies of the EC. 

Other Essential Things To Look Out For:

Authenticate the Portal

Ensure the website that you are using is authentic and officially government-authorized. Many fraudulent entities may try to obtain your information through the Internet. Be aware of them.

Accuracy of Information

When you provide your personal and property details, double-check before registering, applying, and after receiving the Encumbrance Certificate. This tip will prevent any errors or discrepancies that might arise.

Do your Research & Stay Updated

The rules and regulations differ from state to state. Research the regulations related to the Encumbrance Certification of properties and stay updated about any changes or updates to these.

Reach out for Professional Advice

If you have any enquiries or questions about the process, seek expert advice from trusted legal experts or property advisors. They will guide you through any complexities or uncertainties and address issues arising from property ownership. 


To conclude, with the help of technology, the process of applying for an Encumbrance Certificate of a property online has become efficient and more accessible. An Encumbrance Certificate is crucial to find the property’s current & previous ownerships and confirm that there aren’t any financial liabilities or legal dues attached. It allows transparency through the different owners and ensures a hassle-free property transaction or application for loans.

By following the above steps diligently, you can successfully acquire your Encumbrance Certificate securely. 

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