While purchasing a new property or obtaining a LAP, individuals need to ensure whether the said property is free from legal or monetary liabilities. An encumbrance certificate, in this regard, acts as evidence regarding the free title and ownership of a property. Thus, it is imperative for prospective borrowers in Tamil Nadu or any other Indian state to obtain this certificate and ensure that there are no hidden liabilities.

That said, the following sections contain the necessary steps to obtain the EC online in Tamil Nadu.

Steps to obtain EC online in Tamil Nadu

In Tamil Nadu, individuals can complete the EC application procedure through the website of the Tamil Nadu Registration Department. To begin the process, one needs to follow these simple steps:

Step 1: Visit the Inspector General of Registration website

Step 2: Go to E-Services, click on the encumbrance certificate and then choose ‘Search’ and apply EC.

Step 3: On this page, fill in all details regarding location, survey details, time, house details, TS number, owner details, and more.

Step 4: Enter the CAPTCHA and click on ‘Search.

Step 5: On the e-payment screen, choose the bank and complete the payment.

Upon completing these steps, one will receive the bank reference number, transaction ID and CIN number.

Upon data verification and sub-registrar approval, the applicant will receive the encumbrance certificate in Tamil Nadu on his/her username along with a QR code and digital signature. In addition, the applicant will receive an SMS.

Documents required to view EC online in Tamil Nadu

One needs to produce the following documents to obtain the encumbrance certificate online:

Applicant details

• Name 
• Email ID
• Mobile number
• Address

Property details

• Village
• Street name
• District
• Zone
• Sub-registrar office
• Deed details
• Property registration document

Steps to track Tamil Nadu EC online application

After applying for EC online in Tamil Nadu, individuals can also check the status of their applications. Follow these simple steps to do so:

Step 1: Log in to the Inspector General of Registration website

Step 2: Under the services section, click on Check Status

Step 3: Enter the application or transaction number and click on Fetch

Upon following these steps, one will be able to view the status of EC online in Tamil Nadu.

Significance of encumbrance certificate

An encumbrance certificate is one of the essential documents needed to apply for a loan against property. It serves as evidence of free possession or title of a property. 

Apart from its significance in the loan against property application, EC also plays a crucial role when one decides to sell his/her property or obtain a home loan. 

These points mention the significance of this certificate in detail:

• Buying a property requires substantial financial funding. Thus, it is essential for borrowers to check for any encumbrances that the property might transfer to the owner. Obtaining an EC reassures the borrower that the property no longer has any legal or monetary liabilities, including leases or outstanding loans.
• This document is essential when one seeks to apply for a mortgage loan. Most financial institutions consider this certificate as an important eligibility parameter.

Consequently, meeting or exceeding the eligibility is often rewarding for individuals. For instance, leading NBFCs across the country like Bajaj Finserv extends pre-approved offers to their existing customers if they successfully meet the eligibility parameters. These offers are available on various financial products, including loans against property and home loans. They help significantly in simplifying and streamlining the loan application procedure. Furthermore, individuals can easily check their pre-approved offers by entering their contact details and name. 

Apart from the above-mentioned pointers, it might be necessary for individuals to view EC online in Tamil Nadu in Tamil under the following circumstances:

• To complete property mutation
• If an individual does not pay land r property tax for three years, the certificate is required to replace the land records
• To withdraw funds from PF account for property purchase or construction

Evidently, the encumbrance certificate holds immense importance in various areas of property-related transactions. Thus, it is crucial for prospective homebuyers to obtain the EC online in Tamil Nadu and steer clear of any last-minute hassles.