Bihar has ambitious development plans outlined in the Budget for 2025-26. With numerous infrastructure projects in the works, the state is poised for a significant transformation. This wave of progress is expected to benefit the real estate sector, with property prices projected to gain momentum, according to experts. If you’re considering purchasing property in Bihar, one of the most crucial documents to examine during due diligence is the encumbrance certificate. This document reveals whether the property (whether a housing unit or land) has a clear title or if there are any liens or legal disputes associated with it.
What is an encumbrance certificate in Bihar?
Commonly known as EC, this certificate is an important document when it comes to buying or selling of property. The encumbrance certificate in Bihar is a legally recognised document that lists out legal and financial liabilities (if any) that are attached with a property located in Bihar. Issued by the sub-registrar office, the EC Bihar is important for things like sale of property, purchase of property and if you need to get a loan against the property. The presence of EC Bihar means that the property has clean title and is free of mortgages or unpaid loans.
Bihar encumbrance certificate: Importance
- Proof of ownership: An encumbrance certificate in Bihar includes details about the property and its owner. It also lists details of all the people who have been previously involved in transactions with this property.
- Legal check: As a best practice, before executing a sale deed, a homebuyer should check if the property has a clean title. An encumbrance certificate will tell you that the property is free of any encumbrances, thus helping you legally. In case of the property not having a clear title, the EC Bihar will list that also, thus preventing property fraud from happening.
- Financial check: Through investigation should be done to ensure that the said property should not have any financial dues attached else these will have to be dealt with by the new owner. Encumbrance certificate Bihar lists all information making it an important document for home buying, selling and for people seeking a home loan. Thus, it provides financial security.
- Essential for getting loans: When you avail a home loan from a bank or a non-banking financial company (NBFC), one has to give a collateral. EC Bihar will be useful to avail a home loan with the property being the collateral.
- Updating property records: Bihar encumbrance certificate helps to update land or property tax records through mutation.
Encumbrance certificate in Bihar 2025: Details mentioned
- Name of the owner of the property
- Details about the Bihar property
- Documents and transactions done in the past. This will include name of parties, volume, book number, paper number, date of transaction and details regarding the transaction
- Record of any mortgage that has been done using the property in question
Bihar encumbrance certificate: What are the types of encumbrance certificate forms?
An encumbrance certificate is available in two forms:
Encumbrance certificate Form 15
If a property has any encumbrances in the period for which the applicant has sought an encumbrance certificate in Bihar, the SRO issues an encumbrance certificate on Form 15. Information related to inheritance, sale, purchase, lease, mortgage, gifting, relinquishment, partition of the property etc. are covered in this.
Encumbrance certificate Form 16
In case no transaction has been recorded during the period for which the applicant has applied for an encumbrance certificate, the SRO issues a non-encumbrance certificate on Form 16.
Encumbrance certificate in Bihar: Eligibility
- The applicant should own the property in Bihar.
- The applicant should have all information about the property such as address and survey number
- There should be no outstanding dues attached with the property located in Bihar.
Encumbrance certificate in Bihar: Documents required for application
- Identity proof like Aadhaar card, PAN card, Voter’s card, Passport etc.
- Proof of residence like electricity bill, Aadhaar Card etc.
- Property address
- Sale deed copy – recent or old
- Purpose of application for encumbrance certificate in Bihar
- Time frame of EC requirement
- Power of attorney (PoA) copy if the owner has given the responsibility to someone else
How to get an encumbrance certificate in Bihar online?
- Select DSRO, Circle and Mauza/ Thana No. from the drop down box. Select type from Rural or Urban and click on show transactions.
- Next enter Khata no. and plot no and click on show transactions.
- You will see details of the encumbrance certificate Bihar.
How to get certified copy of EC Bihar 2025?
- The certified copy of encumbrance certificate Bihar is available on the Bihar government’s new website enibandhan.bihar.gov.in.
- Click on the encumbrance certificate option.
- Enter username and password and login or register if you are a new user.
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- Fill the online application form
- Upload all required documents
- Pay the fees for the certified EC Bihar copy through an online payment mode.
- Submit the application and save the acknowledgment with which you can track the EC.
How to track the status of the encumbrance certificate?
- Visit the official portal of Bihar RTPS on https://serviceonline.bihar.gov.in/
- Click on View Application Status under Civic Section.
- Select option to track application and click on submit.
The applicant is notified by the government through registered email id / mobile number if the requested EC is approved or rejected.
How to download the encumbrance certificate Bihar?
- Visit the official portal of Bihar RTPS on https://serviceonline.bihar.gov.in/
- Click on Download Certificate under Civic Section.
- You will reach
- Enter details and click on download certificate.
Encumbrance certificate in Bihar: Fees
The fees to be paid for getting a certified copy of the encumbrance certificate in Bihar differs on the basis of the number of years for which one seeks it. Note that the Bihar government revised the fees to be charged for getting an EC in 2021. Currently, it is between the range of Rs 250 and Rs 1,000 and the fees will increase if the EC asked period is more than 10 years.
How to get encumbrance certificate in Bihar offline?
- Go to the nearest sub-registrar’s office
- Fill the application for encumbrance certificate and submit it with all required documents.
- Pay the fees required for encumbrance certificate.
- Once this is done, the registrar will check the documents and verify the application.
- Once approved after 7 days you can go to the sub registrar office and collect the certificate.
What is a non-encumbrance certificate in Bihar?
A non-encumbrance certificate mentions details of property transactions that have happened in a particular land parcel in a particular time period.
Housing.com POV
You need to have an encumbrance certificate in Bihar for any property transaction be it buying, selling, or mortgaging. With an EC in hand, one can have a clear title making property transactions safer. One can get the encumbrance certificate in Bihar easily using the online and the offline mode.
FAQs
Is encumbrance certificate required to buy a land plot in Bihar?
Encumbrance certificate Bihar is required to buy any kind of property in the state.
What is Form 22?
Form 22 is the application form that has to be filled to apply for an encumbrance certificate in Bihar.
Can encumbrance certificate be applied online in Bihar?
Yes. You can apply for an encumbrance certificate in Bihar online.
| Got any questions or point of view on our article? We would love to hear from you. Write to our Editor-in-Chief Jhumur Ghosh at jhumur.ghosh1@housing.com |