Due diligence is the first step for property buying. When you are going to buy a property in Karnataka, during due diligence, one of the most important document to check is the encumbrance certificate (EC). The EC points out if the property housing unit or land- has a free title or has some liens and litigations attached to it. Proceeding to buy a property without checking the EC is a risk that one should never take.
What is an encumbrance certificate in Karnataka?
The encumbrance certificate is a legally recognised document that lists out legal and financial liabilities that are attached with the property. The EC is issued by the sub-registrar office (SRO) and is a vital document for sale and purchase of a property. This is also needed a person wants a personal loan against the property. If the Karnataka EC is clear that means that the property has clean title and is free of unpaid loans. This can be accessed using online EC Karnataka on the portal Kaveri 2.0. On this Kaveri 2.0 portal one can upload property documents and EC online application which will then be verified for the present owners and any liabilities.
What are the charges for online EC Karnataka?
| Activity | Fee |
| Application fee | Rs 5 |
| Fee for search for first year | Rs 30 |
| Fee for search of EC for subsequent years | Rs 10 |
What are the uses of encumbrance certificate in Karnataka?
Ownership proof: An encumbrance certificate in Karnataka includes owner’s details and the property’s background including details of past owners.
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 information including clean title and no financial dues as otherwise, these charges will be attached to the new owner.
For getting loans: Karnataka EC online will be useful to avail a home loan with the property serving as collateral.
Inheritance: The EC is needed for establishing a clear relationship if the property has been inherited or gifted by invoking a gift deed.
Government records: The government of Karnataka maintains EC in the state and so it is a legal and a financial record and thus is very useful.
Increased resale value: Any property having a clear title will be preferred by property buyers in the resale market.
Updating property records: This helps to update land or property tax records through mutation.
Security: An EC in Karnataka provides security to a property transaction.
Online EC in Karnataka: Details mentioned
- Property owner’s name
- Details about the property located in Karnataka •
- 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
Online EC Karnataka: What are the types of encumbrance certificate forms?
An encumbrance certificate is available in two forms:
Encumbrance certificate Form 15
In case a property has any encumbrances in the period for which the applicant has sought a Karnataka EC online, the SRO issues an encumbrance certificate on Form 15. This time period ranged between 10 to 30 years. Details of inheritance, sale, purchase, lease, mortgage, gifting, relinquishment, partition of the property etc. are covered in Form 15.
Encumbrance certificate Form 16
If there is no encumbrance recorded for the time period that the applicant has applied for a Karnataka EC, the SRO will issue a nil-encumbrance certificate on the Form 16.
Online EC Karnataka: 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.
Online EC Karnataka: Documents required
- 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 Karnataka
- 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 Karnataka?
- Log on to Kaveri 2.0 portal at https://kaveri.karnataka.gov.in/
- 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, click on online services.
- Select property registration duration. Click on OTP to view documents.
- Enter OTP and view the Karnataka EC online.
- To download, click on Check to apply for digitally signed EC. Next click on view document.
- You will see PDF of the Karntaka EC online.
- Pay the fees for downloading the Karnataka EC online using preferred payment mode.
How to get encumbrance certificate in Karnataka offline?
- Get the EC application form – Form 22 from the nearest SRO.
- Fill the form and fix Rs 2 non-judicial stamp
- Attach all necessary documents.
- Do KYC by attaching proof of identity like Aadhaar card, Voter’s card etc.
- Submit the form to the SRO with the fees that depends on the number of years for which the Karnataka EC online is asked for.
How to track the status of the Online EC Karnataka?
- Log on to Kaveri 2.0 portal with username and password.
- Click on EC online application and if you can see it then its fine. Else follow the same method after sometime.
How to update Karnataka EC?
If there is any information that is incorrect on the Karnataka EC portal, then you can update the same by invoking a rectification deed and submitting it in the SRO. Note that with the help of rectification deed, only clerical errors can be corrected. No changes to the original document and content with the rectification deed.
Housing.com POV
A Karnataka encumbrance certificate is required for any property transaction be it buying, selling or mortgaging. With this one can be sure that the property is free of any litigations making the property buying journey safe. This can easily be obtained online as well as the offline way.
FAQs
Is encumbrance certificate required to buy a land plot in Karnataka?
Karnataka EC 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 Karnataka.
Can Karnataka EC be applied online?
Yes. You can apply for an encumbrance certificate in Karnataka 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 |