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One of the most important documents that establish your complete, legal ownership of the property is the encumbrance certificate (EC). It establishes that the property in question is free of legal or financial liability. Suppose, the property was purchased by availing of a home loan or if your property is pledged, the lender will add a ‘lien’, which means there is a charge to the property. In short, it is an alert that the property cannot be sold unless the payments are made in full. In Tamil Nadu, the sub-registrar under whose jurisdiction the property falls, issues the encumbrance certificate. This is the place where the property is registered, when it is purchased or sold. The EC is also known as a ‘villangam’ certificate in the state.
How to apply online for encumbrance / villangam certificate in Tamil Nadu
Step 1: To apply for an EC online, you will need to register yourself. 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.
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.
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 EC under ‘E-services’ > encumbrance certificate > Request List.
How to apply for TN EC / villangam certificate offline
List of documents required to make an application for EC
- Attested copy of address proof
- Details about property
- Title details
Along with this, you will also be asked to pay the requisite fee applicable for this service.
Step1: An application needs to be submitted in the sub-registrar’s office, along with the aforementioned documents. You can download the application format here.
Step 2: The concerned authority will go through all documents to ascertain its legality.
Step 3: 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.
How to search Tamil Nadu encumbrance / villangam certificate online
Step 1: Visit the official website of the Inspector General of Registration (IGRS) Tamil Nadu official website.
Step 2: At the bottom of the page, you will see various services, opt for ‘ENCUMBRANCE CERTIFICATE’. Click on it to apply for an EC online. You can also tap on the ‘e-services’ tab on the home page to be directed to the same window.
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.
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.
How is EC different from CC?
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.
What is Form 22 used for?
In case you want to apply for an encumbrance certificate offline, you can use Form 22 to make the application.