How to apply for an encumbrance certificate in Uttar Pradesh?

Are you looking at buying a property in Uttar Pradesh? Of the many documents that you need to check during due diligence, one of the most important is the encumbrance certificate. This document actually points out if the property (housing unit or land) in question has a free title or has some liens and litigations attached to it. 

What is an encumbrance certificate in Uttar Pradesh?

Commonly known as EC, this certificate is an important document when it comes to buying or selling of property. This is a legally recognised document that lists out legal and financial liabilities (if any) that are attached with the property. Issued by the sub-registrar office, the EC Uttar Pradesh is important for things like sale of property, purchase of property and if you need to get a loan against the property. Presence of EC Uttar Pradesh means that the property has clean title and is free of mortgages or unpaid loans.

What are the uses of encumbrance certificate in Uttar Pradesh?

• Ownership proof: An encumbrance certificate in Uttar Pradesh mentions all about the property’s background and its owner details. This important document mentions details of people who have been involved in previous transactions.
• Legal check: Also, before buying a property one should ensure that it has a clean title and has no financial dues attached- else these will have to be dealt with by the new owner.  The encumbrance certificate gives details of all this information making it an important document for home buying, selling and for people seeking a home loan.

• For getting loans: EC Uttar Pradesh will be useful to avail a home loan with the property serving as collateral.

• Updating property records: This helps to update land or property tax records through mutation.

Encumbrance certificate in Uttar Pradesh: Details mentioned

• Property owner’s name
• Details about the Uttar Pradesh 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

Uttar Pradesh 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 UP, the SRO issues an encumbrance certificate on Form 15. This time period ranged between 10 to 30 years.  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 nil-encumbrance certificate on Form 16.

Encumbrance certificate in Uttar Pradesh: Eligibility

•     The applicant should own the property
•     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. 

Encumbrance certificate in Uttar Pradesh: 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 Uttar Pradesh
•     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 Uttar Pradesh online?

•    Log on to https://edistrict.up.gov.in/edistrictup/ and click on citizen login (e-Sathi).
•    Register on the online portal using personal details and contact details. A password is generated and sent through SMS/Email. Using the user id and password applicant shall log into the online portal.
•   After logging into the web portal, select “Esathi Integrated Services”
•   Select “Encumbrance Certificate” service under Stamp & Registration Department
•   Create profile -select district and enter DOB, mobile number
•   Fill details in application form for encumbrance certificate.
• Preview the application, pay user charges for encumbrance certificate online and submit it.
•   Application shall be scrutinised by sub registrar office.

How to download the encumbrance certificate Uttar Pradesh?

Log on to the UP Stamp and Registration Department website.

•     Next click on ‘Download EC’ section
•     Enter application number or acknowledgment number
•     Next, download the EC when it is available. Save and print.

How to track the status of the encumbrance certificate?

• Log on to the UP Stamp and Registration Department portal with username and password.
• Enter application details or acknowledgment number.
• Check status: You can see the status of your application- This can be “In Process,” “Approved,” or “Rejected,” will be displayed.

Encumbrance certificate in Uttar Pradesh: Fees

Uttar Pradesh Encumbrance Certificate fees depend on the period for which the encumbrance certificate is required.

• Encumbrance certificate fees for a period of upto 15 years:  Rs 200 to Rs 500
• Encumbrance certificate fees for a period of more than 15 years:  This increases upwards as the years increase.
• The fee differs from state to state.
• In Uttar Pradesh Rs 15 has to be paid as user charges for checking application of encumbrance certificate details online and submitting it. Note that Rs 100 as service charges to get the EC should also be paid.

How to get encumbrance certificate in Uttar Pradesh 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.  

Housing.com POV

You need to have an encumbrance certificate in Uttar Pradesh 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 Uttar Pradesh easily using the online and the offline mode.

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