The Encumbrance Certificate (EC) is a critical document that verifies the ownership of the property. This document highlights if the property is free of any litigation or has any liens or legal disputes attached, an information that is of paramount importance to a homebuyer. This guide will detail on the steps to follow to get encumbrance certificate in Kerala.
What is encumbrance certificate in Kerala?
The encumbrance certificate (EC) in Kerala is a legal document that verifies that a property is free of litigations and has a clear title. This document is needed to carry out all property related transactions including buy, mortgage, avail of home loans etc.
What details are included in encumbrance certificate in Kerala?
The encumbrance certificate in Kerala has following details:
- Property owner name
- Sale deed details
- Transaction details in a particular period
- Mortgage details
- Property document details
What are the different types of encumbrance certificate in Kerala?
There are two types of encumbrance certificate in Kerala that can be downloaded. These are:
Types of Encumbrance Certificates in Kerala
The two main different types of Encumbrance Certificates in Kerala are as follows:
EC Kerala Form 15
Form 15 is issued when a property has presence of any encumbrance. The Form 15 highlights the type of litigation be it related to finance or legal that is associated with the property.
EC Kerala Form 16
Form 16 is an important legal document that is issued when the property is encumbrance free during the specified period asked for.
Fees for applying for encumbrance certificate in Kerala
| Type of transaction | Fee |
| Application fee | Rs 15 |
| Search period for first 5 years | Rs 105 |
| Search period from 6 to 30 years | Rs 265 |
| Search period after 30 years | Rs 265 + Rs 30 for every year after 30 years |
How to apply for encumbrance certificate in Kerala online?
- Log on to https://pearl.registration.kerala.gov.in/index.php and under certificates click on application for encumbrance certificate.
- You will reach, where you check ‘Yes’.
- You will reach the following page where you should enter the registered mobile number and captcha and click on send OTP.
- You will reach the page with the application form for encumbrance certificate in Kerala.
- On this form enter applicant details, document or title deed details, property details, boundary of the property as per document, search period and fee details.
- Finally, agree to the declaration, enter captcha and submit the application.
How to apply for encumbrance certificate in Kerala offline?
- Visit the sub-registrar’s office in Kerala under whose jurisdiction the property falls.
- Collect Form 22 of the encumbrance certificate in Kerala and fill all details.
- Attach supporting documents with the Form 22 and submit it at the SRO.
- Pay the fees that is levied for encumbrance certificate in Kerala.
- Get the acknowledgement receipt that has to be kept safely to track the EC.
How to download encumbrance certificate Kerala?
To download encumbrance certificate Kerala, check the status first and then download. Mentioned are the steps.
- Log on to the https://pearl.registration.kerala.gov.in/all_status_check.php?tok=4dfuf394jsk2k4
- Click the Application Status/ Download option on the homepage.
- Enter the Transaction ID and captcha code and click on Check Status.
- In case you see status as certificate issued, then you can proceed to download encumbrance certificate Kerala.
Benefits of encumbrance certificate in Kerala
- Proves ownership of land
- Used to avail home loans from banks and non-banking financial companies (NBFC)
- Can help in mutation purposes.
- Can be used to update land records.
- Important document to withdraw PF if one wants to build or purchase a property.
What is a non-encumbrance certificate in Kerala?
A non-encumbrance certificate mentions details of property transactions that have happened in a particular land parcel in a particular time period. This certifies that the property is free from any dispute including that of loans, mortgages etc. This is an important document needed for property buying and selling as this reduces risk of any unexpected issue.
Housing.com POV
To avoid getting into any problem during a property transaction, due diligence is vital. For this, having an encumbrance certificate in Kerala is important. You need to have an encumbrance certificate in Kerala 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 Kerala easily using the online and the offline mode.
FAQs
Is encumbrance certificate required to buy a land plot in Kerala?
Encumbrance certificate in Kerala 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 Kerala using the offline mode.
Can encumbrance certificate be applied online in Kerala?
Yes. You can apply for an encumbrance certificate in Kerala 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 |
