If you are buying or selling a plot of land or property in Tamil Nadu, one of the important property documents to check is the encumbrance certificate (EC) or villangam certificate. Issued by the sub-registrar under whose jurisdiction the property falls, an encumbrance certificate is a legal document that proves that the property is free from any encumbrances, that is, legal or financial liabilities. The document is crucial as it establishes the rightful ownership over a property, preventing chances of legal disputes. Similarly, if a property is mortgaged with a bank, the EC will show that the said bank has an interest in it and the property is, thus, encumbered.
The Tamil Nadu government provides the Inspector General of Registration (IGRS) Tamil Nadu or TNREGINET portal to facilitate the EC application, view and download process. The portal also offers services like property valuation and EC searches.
Encumbrance certificate: Quick facts
| Issued by | Sub-registrar office under the jurisdiction of which the property is located |
| Online application | IGRS Tamil Nadu portal https://tnreginet.gov.in/portal/ |
| Offline application | At Sub-registrar’s office |
| EC application fee | Re 1; Rs 15 for first-year information and Rs 5 for every subsequent year. Additional Fee in the Computerised period, that is, from 1987 onwards – Rs 100 |
| EC application processing time | 15 to 30 days |
| EC Validity | Up to 30 years |
| Types of Encumbrance Certificate | Form 15 and Form 16 |
| States that issue EC online | ·         Â
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| Who can apply for an encumbrance certificate? | Any individual who owns a property or has transactions with a banking institution |
| How long does it take to get EC certificate in Tamil Nadu? | ·         Â
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| Information contained in an encumbrance certificate | ·         Â
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| Purpose of obtaining EC |
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| Quick contact for support | TNREGINET helpline |
What is an encumbrance certificate?
An encumbrance certificate (EC) is a legal document which contains complete details of a property’s registered transactions and establishes that property is free from any encumbrances, such as outstanding loans, legal claims, etc. It is a vital document required during property transactions as it established ownership status and helps determine whether the property is mortgaged or has any legal dues.
In Tamil Nadu, the EC or villangam certificate is issued by the sub-registrar under whose jurisdiction the property is located. Currently, the EC document in Tamil Nadu contains data of registered in government records from 1975 onwards and can be obtained through the TNREGINET portal. Property records before 1975 have not been digitised and can only be obtained by visiting the sub-registrar office.
Why is obtaining an encumbrance certificate important?
- Establishing property ownership: The certificate of encumbrance helps determine the legal title of the owner over the property. The document contains details of the various registered transactions for the property.
- Applying for loans: Having the certificate makes an individual eligible to get home loans, loan against property or advances from banks and financial institutions against the property.
- Verifying legal status: Obtaining an EC is beneficial as it helps verify the legal status of a property and ascertain whether there are any legal claims or pending litigations against it. It makes property transactions easier and hassle-free.
- Applying for property mutation:Â An encumbrance certificate is needed for property mutation (Khata registration/transfer). If land tax is unpaid for over three years, the document is submitted to the village/panchayat officer to update tax records.
- Withdrawing PF for home construction or purchase: One may also be required to submit the EC for withdrawing PF for a property, purchasing or constructing a house.
- Securing legal clearances: In some cases, obtaining an EC is required for legal clearances from government authorities for property-related transactions such as property development, construction or land conversion.
How to get EC online in Tamil Nadu?
Step 1: To apply for an EC online, you will need to register yourself on the TNREGINET portal. If you already have an account, sign in, else sign up to login and access the services.
Step 2: If you are a first-time user, you will need to sign up and provide details such as username, password, address, identification number (PAN/Aadhaar/driving licence/others) and contact details. Complete the sign-up to receive an OTP on the contact number.
On signing up, you will receive the following screen:
Step 3: Check your email id for a verification link from the authority.
Step 4: Once your details are verified, you can sign in to the TNREGINET portal to proceed to view EC online and download the document..
Step 5: A registered user can now go to ‘E-services’ tab on the homepage > Encumbrance Certificate > Search and apply EC.
Step 6: You will be required to fill in the following details:
Location: Zone, district, sub-registrar office.
Time: EC Start date and EC end date.
Survey details: Village, survey number, subdivision number.
House details: Plot no, flat no, door no, ward, block, boundary details, extent and build-up area.
Additional details: Old survey no, TS no, old door no, declared owner, father’s name, any registered document.
Once you feed in these details, you can proceed to entering the captcha to search for the EC/encumbrance certificate Tamil Nadu.
Step 7: Once you click on ‘Search’, all the documents pertaining to the details you have entered will be displayed. Proceed to ‘Apply Online’.
Step 8: Enter your name, contact details and save it and proceed to pay.
Step 9: You can see the payment details, select the pay option to move to the e-payment screen.
Step 10: Enter the details in the e-payment section such as name, address, sub-registrar office etc.
Step 11: Choose the bank you wish to make the e-payment from and pay.
Step 12: Once your payment is successful, you will be provided with a bank reference number, CIN number and transaction ID. Keep these details handy. Upon selection of the applicable data and approval of the application by the sub-registrar, the encumbrance certificate will be sent to the applicant’s login with a QR code added in all the pages and a digital signature of the sub-registrar affixed in the end. An SMS notification will be sent to the applicant.
You can view the digitally signed online EC under ‘E-services’ > encumbrance certificate > Request List.
Documents required for EC application online
- Application status
- Attested copy of the applicant’s address proof
- Property address documents, including survey number/ patta number
- Property registration documents containing the deed and book numbers date and applicant’s signature
- Copy of sale, partition, gift or release deed, if any
- Copy of Power of Attorney
- Purpose of applying for EC
- Aadhaar card of the applicant
- Signature
EC application online payment method
- Login in to the official portal https://tnreginet.gov.in.
- Generate NEFT / RTGS challan available under the e-payment option.
- Fill up the required charges.
- Select the SBI payment gateway. Then, opt for NEFT or RTGS option.
- Print NEFT / RTGS payment challan and pay in any bank using this challan, except SBI.
- Go to the login and print acknowledgement.
See also: How to obtain Patta online in TN
How to get TN EC encumbrance certificate offline?
- Visit the sub registrar’s office where the property is registered and submit an application along with the relevant documents. For the villangam online certificate application, you can download the application format here.
- The authority concerned will review all documents to ascertain its legality.
- An EC with details of all transactions or in the absence of transactions, a Nil Encumbrance Certificate is issued. This may take 15-30 days from the date of application.
- Pay the requisite fee applicable for the TN EC related online service.
- After the application is submitted is successfully, an acknowledgement number or reference number will be issued. Applicants must save this number for future reference and use it to track their application status.
Documents required for EC application offline
- Title deed
- Property details
- Property’s registration copy
- Deed number of property registration, containing date and book number along with the applicant’s signature.
- Address proof of the applicant
EC application offline payment method
The offline payment method includes paying the fees at bank branches in person. One can pay using offline challan, login to the portal and go to e-payment. Fill up the required charges. Select the offline payment method. Create offline payment challan and pay at any bank branch using this challan. Go to the login page and verify the payment status.
Users must avoid paying through common payment slip available in bank branches – State Bank of India, Indian Overseas Bank, Indian Bank, IDBI Bank, Central Bank of India, Punjab National Bank, Bank of Baroda and Union Bank of India.
Eligibility criteria for EC application in Tamil Nadu
- The applicant should be a property owner in the state or must be an authorised representative of the individual with proper documentation.
- The applicant must have an active account on the land records portal for the EC online application process.
How to view and download encumbrance certificate online in Tamil Nadu?
Step 1: Visit the official website of the TNREGINET/ Inspector General of Registration (IGRS) Tamil Nadu.
Step 2: Under the e-services tab, go to the encumbrance certificate section and click on view EC.
Step 3: You will be directed to the page where you will have to feed in details such as zone, district, sub-registrar office, EC start and end date, survey details such as village, survey number and subdivision number. Enter the captcha to confirm and search for your EC/ Villangam certificate.
Step 4: You can also choose to opt for the ‘document-wise’ option on the above screen. You will be asked for details such as sub-registrar office, document number, year and document type. Proceed after entering the captcha.
If you wish to know the data availability period for an encumbrance certificate or villangam certificate in Tamil Nadu, click here.
Step 5: Click on the ‘track status’ option to view the EC application status
Step 6: View and download the EC document from the portal. It is also accessible through the QR code given to you on your registered contact number/email once the certificate is ready.
Also read about TNREGINET guideline value
Application fee for EC online
| State | Encumbrance certificate fee |
| Tamil Nadu | Application fee of Re 1. A fee of Rs 15 for first-year information and Rs 5 for every extra year. |
| Telangana | A fee of Rs 200 for 30 years information and Rs 500 for more than 30 years. Additional service charge of Rs 25. |
| Andhra Pradesh | Rs 300 for information up to 30 years and Rs 500 for information more than 30 years |
| Delhi | Request fee of Rs 200 onwards, depending on the locality and years for which you ask. |
| Kerala | Single search and copy for Rs 10; Extra sheets (over first 2 sheets used) – Rs 10 per sheet (as on March 31, 2018) |
The application fee for an encumbrance certificate (EC) will depend on the property’s location and the state government. The applicable charges for obtaining an EC in some popular states are mentioned above.
What is the processing time for an encumbrance certificate in Tamil Nadu?
It takes around two to five working days to process an online application of encumbrance certificate in Tamil Nadu. However, if the application is submitted offline at the sub-registrar office, the processing time may range from 15 to 30 days. This is due to the manual processes and verification involved in the offline method.
Who issues encumbrance certificate in Tamil Nadu?
In Tamil Nadu, the encumbrance certificate is issued by the sub-registrar under whose jurisdiction the specified property is situated. The sub-registrar’s office is a part of the Tamil Nadu Registration Department of the state government. The authority makes encumbrance certificate or EC available for the applicants through the online facility, the TNREGINET website.
How to track encumbrance certificate status?
In Tamil Nadu, one can check the EC payment status from the TNREGINET portal by following the path E-services-> E-Payment-> Payment-> Payment status.
Encumbrance certificate application format
Applicants must submit a simple proforma to the Registrar/Sub-registrar, including property details like the full address and boundaries. If details are incomplete, the officer can assist.
Encumbrance certificate sample format
| From
(Applicant Name, and contact details) To, The Registrar (Sub-registrar) Register (Sub-register) office, Address Dear Sir / Madam, Sub: Application for Encumbrance Certificate (EC) of the property I would like to apply for the Encumbrance Certificate (EC) for the following house property. (Property details, including complete address as specified in the registration deed, measurement including east, west, south and north with identification of nearby properties). I have duly filled the EC application form, letter and paid the requisite fees as per the guidelines. Kindly process the above detailed EC and furnish an original copy of the certificate. Thanking you, Yours Truly, (Name and contact details) |
Types of encumbrance certificate
Encumbrance certificates are classified into two categories:
- Form 15, which is issued if a property has registered encumbrances such as sale, loan or partition.
- Form 16, which is issued if the property does not have any registered encumbrances during the specified period.Â
Difference between encumbrance certificate vs non-encumbrance certificate
| Encumbrance certificate (Form 15) | Non-encumbrance certificate (Form 16) |
| EC, issued on Form 15, includes details related to the pattern of inheritance of the land, if any, sale and purchase details, leases on it and mortgage-related data, etc. | Non-Encumbrance Certificate, issued on Form 16, mentions that there are no mortgages of any property, thus no one can claim ownership. |
| It takes around 15 to 30 days to receive the certificate | It takes around 20 to 30 days to receive the certificate |
Difference between EC, OC and CC
| Encumbrance Certificate (EC) | Occupancy Certificate (OC) | Completion Certificate (CC) |
| The EC document mentions that no other party except the owner can claim ownership of the property for any reason. | An occupancy certificate is a document that states the local bodies do not have any objection if the building project is used for habitation purposes. | A completion certificate refers to a document that certifies that the property is now completed and construction has been carried out as per the guidelines issued by the local authorities. |
How to get EC Form 15 online in Tamil Nadu?
EC Form 15 is not issued online. To obtain Form 15 document, one must visit the sub-registrar office and submit an application known as Form 22. The applicant must provide relevant details such as owner’s name, property details, etc. Payment of Rs 10 as the application fee must be made. The Form 15 EC will be issued within two days.
What is a nil encumbrance certificate?
While an encumbrance certificate or EC contains details of the various property transactions that have taken place for a specified period, a nil encumbrance certificate is issued for the property if no transactions have been made for the specified period for which the owner has applied for EC.
When applying for home loans, property buyers should obtain the EC. If no lender has placed a lien on the specified property, no charges are applicable. The Form 16 or nil encumbrance certificate is required in this case.
Importance of non-encumbrance certificate
When purchasing or selling any property, one should ensure the property is free of any financial debt. In case a loan was earlier sanctioned against the property or it was mortgaged to a lender, it must be cleared and free title should be established before one applies for a new loan. A non-encumbrance certificate is an essential document that must be submitted to the lending institution along with other documents when applying for a loan. If a transaction is done without getting a non-encumbrance certificate, it can lead to legal and financial disputes. Non-EC charges may vary from state to state and it is computed based on the property size, duration for which the certificate is applied for, etc. The non-EC application fee varies from Re 1 to Rs 200.
How to obtain a digitally signed copy of the Encumbrance Certificate in Tamil Nadu?
One can obtain a digitally signed copy of Encumbrance Certificate in Tamil Nadu through the www.tnreginet.com portal. Complete the procedure to apply for an EC and make an online payment. The digitally signed online EC will be ready to be downloaded from the ‘Request List’ tab in the same menu.
E-signed encumbrance and certified copies in Tamil Nadu
The state government has approved e-signed encumbrance certificates and certified copies to modernize the system. Sub-registrars are responsible for implementing this. Applicants will receive QR-enabled copies with digital signatures. The Aadhaar-linked e-sign is activated when the sub-registrar’s thumb impression is recognized by the system, encrypting their digital signature on the certificates.
Validity and period of encumbrance in Tamil Nadu
EC can be obtained for a specific period. Encumbrance Certificate in Tamil Nadu comprises details of only the period that has been requested for. That is, the EC will provide the list of all the registered details identified with the property, which took place in the specified period. Any details prior to this period do not get reflected in an encumbrance certificate. Similarly, any oral agreement or unregistered documents are also not reflected in an Encumbrance Certificate Tamil Nadu. One can request for an EC of a property up to a period of 30 years only.
Is there any stamp duty for encumbrance certificate in Tamil Nadu?
There is a nominal fee of Re 1 for obtaining EC in Tamil Nadu. The charges vary based on the duration for which EC is sought. (Rs 15 for first-year information and Rs 5 for every subsequent year).
The stamp duty is paid during the registration of a property in Tamil Nadu. The stamp duty rate is 7% of the property’s market value, while the registration charge is 4% of the property value. Property buyers can visit the TNREGINET portal to view the latest stamp duty rates for different property transactions.
Stamp duty and registration charges in Tamil Nadu for various documents
| Document type | Stamp duty in Tamil Nadu | Registration charges in Tamil Nadu |
| Conveyance (Sale) | 7% of the market value of the property | 4% of the market value of the property |
| Gift | 7% of the market value of the property | 4% of the market value of the property |
| Exchange | 7% of the market value on the property that has the greater value | 4% of the market value on the property that has the greater value |
| Simple mortgage | 1% on the loan amount, subject to a maximum of Rs 40,000 | 1% on the loan amount, subject to a maximum of Rs 10,000 |
| Mortgage with possession | 4% of the loan amount | 1%, subject to a maximum of Rs 2,00,000 |
| Agreement to sale | Rs 20 | 1% on the money advanced (1% on total consideration if possession is given) |
| Agreement relating to construction of building | 1% on the cost of the proposed construction or the value of construction or the consideration specified in the agreement, whichever is higher | 1% on the cost of the proposed construction or the value of construction or the consideration specified in the agreement, whichever is higher |
| Cancellation | Rs 50 | Rs 50 |
| Partition among family members | 1% on the market value of the property, subject to a maximum of Rs 40,000 for each share | 1%, subject to a maximum of Rs 10,000 for each share |
| Partition among non-family members | 4% on the market value of the property for separated shares | 1% on the market value of the property for separated shares |
| i) General Power of Attorney to sell the immovable property | Rs 100 | Rs 10,000 |
| ii) General Power of Attorney to sell the immovable property (Power is given to a family member) | Rs 100 | Rs 1,000 |
| iii) General Power of Attorney to sell the movable property and for other purposes | Rs 100 | Rs 50 |
| iv) General Power of Attorney given for consideration | 4% on the consideration | 1% on the consideration or Rs 10,000, whichever is higher |
| Settlement in favour of family members | 1% on the market value of the property but not exceeding Rs 40,000 | 1% on the market value of the property, subject to a maximum of Rs 10,000 |
| Settlement in other cases | 7% on the market value of the property | 4% on the market value of the property |
| Partnership deed where the capital does not exceed Rs 500 | Rs 50 | 1% on the capital invested |
| Partnership deed (other cases) | Rs 300 | 1% on the capital invested |
| Memorandum of Deposit of Title Deeds (MODT) | 0.5% on loan amount, subject to a maximum of Rs 30,000 | 1% on loan amount, subject to a maximum of Rs 6,000 |
| i) Release among family members (coparceners) | 1% on the market value of the property but not exceeding Rs 40,000 | 1% on the market value of the property, subject to a maximum of Rs 10,000 |
| ii) Release among non-family members (co-owner and benami release) | 7% on the market value of the property | 1% on the market value of the property |
| Lease below 30 years | 1% on the total amount of rent, premium, fine, etc. | 1%, subject to a maximum of Rs 20,000 |
| Lease up to 99 years | 4% on the total amount of rent, premium, fine, etc. | 1%, subject to a maximum of Rs 20,000 |
| Lease above 99 years or perpetual leave | 7% on the total amount of rent, fine, premium of advance, if any, payable. | 1%, subject to a maximum of Rs 20,000 |
| Declaration of trust (if property is there, it would be considered as sale) | Rs 180 | 1% on the amount |
Source: Registration Department, TN
Also read about Stamp duty and property registration fees in Tamil Nadu
How to update an encumbrance certificate (EC)?
| Steps | Documents required for certificate of encumbrance |
| Verify property ownership | Property Deed, NOC |
| Check for liabilities | Property tax receipts and other proofs |
| Check for legal liabilities | Details of ongoing legal disputes |
| Get the latest EC | EC application form – duly filled |
| Update transaction history | Updated EC showing latest details |
Before any property transaction, ensure you have an updated EC copy to avoid legal disputes. Verify the ownership, settle all taxes and liabilities, and check for legal issues affecting the title. Then, get the latest EC from the sub-registrar’s office with the updated transaction history.
How to correct an encumbrance certificate in Tamil Nadu
When applying for an encumbrance certificate in Tamil Nadu, be cautious of errors. If mistakes occur, apply for a rectification deed with proof of the error. Only minor clerical corrections are allowed; original documents filed at the sub-registrar’s office cannot be altered.
How to add more properties in a single document?
Users have the option to add more properties in a single document. For this, visit the official portal https://tnreginet.gov.in/portal/. Choose the ‘Add’ option to include ‘N’ number of properties to proceed.
How to create an account on TNREGINET?
- Visit the TNREGINET portal. First time users must click on user registration link given in the Login section of the home page.
- In the next page, create an account by providing information such as username, password, address
- Click on Receive OTP to complete registration.
- Upon registration, a confirmation email from the authority is sent to verify your account
- Existing users and new users (after completing registration) can login using their username and password.
How to register a property in Tamil Nadu?
Obtain EC: Before registering a property, make sure you have completed the legal due diligence involving verifying land ownership and conducting title verification. For this, it is important to obtain the encumbrance certificate. Property buyers can visit the official TNREGINET portal https://tnreginet.gov.in/ and download the EC document.
Prepare sale agreement: In the next step, prepare the sale agreement, which specifies the terms and conditions, price, registration timeline, etc. The document must be duly signed by both parties – the buyer and the seller.
Calculate stamp duty: In Tamil Nadu, the stamp duty is 7% of the property’s market value while the registration fee is 4% of the market value.
Visit the sub-registrar office: The buyer and seller should visit the sub-registrar office along with the necessary documents to complete the property registration process. Besides document submission, biometric verification is conducted. After the verification, the property is registered in the government records. The registered sale deed can be collected from the sub-registrar’s office.
Can an EC be obtained for a property that is not registered?
One can obtain an EC only for registered properties. It is mandatory to get the property registered with the Sub-Registrar or Registrar’s office to obtain an EC.
Can an EC be obtained for a property that is under litigation?
One can obtain EC for a property that is under litigation. However, one should note that the EC will reflect the existence of the litigation and any orders or judgments related to it.
What to do if EC application has been rejected?
One should check with the sub-registrar office to find the reason for the rejection of EC application. Applicants will have to reapply for the EC through online or offline mode and complete all the required documentation.
What is EC transfer?
An encumbrance certificate is a vital document that one can obtain when buying land or property as it is proof of ownership. The document is essential for verifying whether or not the property/land is free of tax dues or any legal or financial issues. It also clarifies if there is any encumbrance on the property by the government for any statutory dues. Thus, EC is also required when transferring property.
Is an encumbrance certificate required for inherited or gifted property?
In the case of property transfer through gift, inheritance, new purchase or resale, an encumbrance certificate is one of the most important documents during a property sale or purchase. The EC mentions how the property has been obtained.
What is Grama Natham?
Grama Natham refers to a village house site which can be used for residential purposes and non-commercial purposes. However, the site can be used only for a single dwelling unit and the land cannot be used for commercial construction of flats. Grama Natham can be freely transferred from one person to another. Typically, Grama Natham refers to a piece of land on the outskirts of cities which does not belong to anyone, and there is no legal ownership proof of such land.
The Town Survey Land Register (TSLR), a document containing details of land records for a specific area, can be used like the Patta document. Loans can be obtained from banks and financial institutions against the security of Natham land as per the terms and conditions.
While Grama Natham land is usually affordable, there may be some risks in buying it. Patta’s private land is subject to proof of income, thus it may be much easier to buy and trade. However, purchasing land from Grama Natham can always be risky and there are several legal processes associated with it.
TNREGINET portal features
- E-services: One can obtain the encumbrance certificate from the TNREGINET portal through the View EC feature
- Guideline search: Users can check the guideline values of properties by entering a few details such as zone, village, etc.
- Create application: Users can submit applications for EC and other documents through the TNREGINET portal.
- Stamp duty valuation: Property buyers can calculate stamp duty for their property purchase.
Services available on TNREGINET
- Apply for EC online
- Check EC status
- Marriage certificate application online
- Online certified document
- Society documents online application
- Letter documents online application
- Registration for marriage, birth, death, firm, chit fund, etc.
EC online Tamil Nadu: Contact information
Citizens can write to the following email address: helpdesk@tnreginet.net
Telephone number: 044-24640160
Or at No.100, Santhome High Road, Chennai-600028, Tamil Nadu, India
Housing.com News Viewpoint
Obtaining an encumbrance certificate is essential for many property transactions and also for securing loans. In Tamil Nadu, one can access the TNREGINET portal to view and download EC online. In other states, one should follow the EC application process as specified by state government.
Further, the TNREGINET portal allows property buyers to check the guideline value, which is the minimum property value considered for stamp duty and registration charges calculation. This is beneficial for the buyers as it enables them to plan their property purchase costs effectively.
FAQs
A CC or Completion Certificate is issued by the local authority to a builder or developer, upon the completion of construction of a building in compliance with the building rules and plans. An EC establishes the ownership and financial liability attached to the property, if any.
In case you want to apply for an encumbrance certificate offline, you can use Form 22 to make the application.
To view Tn EC online payment status, visit the TNREGINET website and go to E-services > E-Payment > Payment > Payment status.
According to the Standing Order 979 (ii) in respect of the offices and period, which is not computerised, the encumbrance certificate shall be completed within four days from the date of admission of application. In case of computerised period, the EC will be issued immediately.
Encumbrance certificate in the state of Tamil Nadu costs Re 1 for the first year and Rs 15 for any information. The computerised encumbrance certificates cost Rs 100.
When there are no transactions during a certain period, a Nil-encumbrance certificate is generated for the individual.
An Encumbrance Certificate (EC) is an important document that is required during purchase or sale of a property and also when applying for home loans or loan against property.
Property owners in Chennai can sign into the TNREGINET portal to apply for an Encumbrance Certificate (EC) online. How is EC different from CC?
What is Form 22 used for?
Where can I check the transaction status for the e-payment?
Is there any time limit for getting the encumbrance certificate?
What is the cost of an encumbrance certificate?
What happens when there are no transactions?
Is EC required for home loan?
How can I get EC for apartment in Chennai?
What does market value in encumbrance certificate mean?
Market value in an encumbrance certificate refers to the predicted price for the property one expects when selling it.
Can you get an encumbrance certificate after buying a house?
An encumbrance certificate can be obtained after buying a house. It ensures the property owner’s name has been recorded by SRO. Applying for it earlier helps identify any owner and claim the property's legal title.
Do all transactions reflect in an EC online?
An EC will contain details of transactions only for a specified period of time if it has been registered with the Registrar’s office.
| 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 |
(With inputs from Sneha Sharon Mammen)
