Karnataka Encumbrance Certificate

The encumbrance certificate contains the entire history of transactions for a given property or survey number. Each transaction has details on the type of transaction, date of transactions, parties involved, as well as any amount involved in the transaction. A link to the transaction deed is also provided.

The Encumbrance Certificate is constantly evolving and changing document and depends on the types of transactions taking place on a property. The latest version is usually required for any transactions.

The basic for-info-only version of the encumbrance certificate is instantly available on the Landeed app. For getting a certified copy it typically takes 5-7 working days. You can apply through the Landeed app/website. Recently, Landeed has made it easier and faster to apply for ECs - and is able to get it done within 48 hours in some parts of Bangalore and Mysore. Apply for “Instant EC” and get the document in under 48 hours

You can apply for a certified copy through the Landeed app/website. Apply for “Instant EC” through Landeed and get the document in under 48 hours

The price varies based on the years of search (13 years, 20 years) you want to do and source of getting the document. A typical EC can cost anywhere between Rs 200 - Rs 1200 depending on the range of search.

It depends on the use case and age of the property you are checking. This could be 13 years for getting a bank loan, 20 years for a typical buy/sell transaction. For older properties even a 50 - 60 year EC is common.

When one searches by property details like survey number, village/division or apartment number - one gets a form 15. When one searches by party name in the transaction one gets a Form 17. The party name search generally gives you all the properties associated with a specific name while property search will generally give you entries for that specific property only. Each form is useful for different purposes.

A NIL EC, Form 16 (in Karnataka) or Nil Encumbrance Certificate, is a document that indicates there are no registered transactions or encumbrances on a property for a specific period. It essentially means the property is free from any legal or financial liabilities during the searched timeframe. This type of EC is often seen as favorable when purchasing property, as it suggests a clean ownership history.