How to get EC or Encumbrance Certificate online in Bangalore? Encumbrance Certificate or EC is one of the most important land document. Many of us used to visit the registrar office and apply manually and wait for 1-2 days to get it. However, now the Government of Karnataka made it simple to apply it online and download it.
Encumbrance Certificate is not only required to verify the past records related to property but also it is an important document you have to submit with the bank when you apply for a loan.
Encumbrance Certificate shows a piece of evidence that whether there are any dues on property both Mortgage and Legal and the title of the property is clear and marketable or not. It contains all the transactions in respect of the said property. Encumbrance is basically a Charge / Liability / Lien which is created on the property, which is held as a collateral or security against the debt that is not cleared/paid as on date.
In simple term, Encumbrance means whether the properties have any lien on them, whether attached by the court, whether mortgaged or sold etc. by the owner of the concerned property.
Do remember that EC or Encumbrance Certificate itself not guarantee you that it is the valid single proof that property is legally valid to buy. However, it is ONE among many documents which you have to verify.
Few transactions may not reflect on Encumbrance Certificate and they are as below.
# Equitable Mortgage Deed
Suppose, the property owner deposited the title deed (property sale deed) with the bank and availed a loan, then such loans may not reflect in EC. Because in many cases such Equitable Mortage Deed is not registered with concerned sub-registrar office by lenders (banks). Hence, it is hard to find any loan on such properties.
# Old Encumbrance Certificate
When you are verifying the property documents, even if you find EC of a few days old, then don’t trust. Because within a single day, the existing owner might sell the property to someone else and showing you the old EC. Hence, you have to be very cautious while dealing with and understanding the importance of EC.
# Private Deals
If a property owner entered with some other party to avail the loan on by mere agreement and kept his original land papers with the lender, then such transactions may not appear in EC.
In simple term, any transactions that get registered with Sub-Registrar Office (whether it is selling, lien, mortgaged, attached by the court or sold to some other party or not) will reflect in Encumbrance Certificate. However, any deals or transactions that NOT registered with the Sub-Registrar Office will not reflect in EC.
Now let us understand the procedure to get the Encumbrance Certificate online in Bangalore.
Step 1-Visit the Kaveri Online Services. Here if you have not created an account, then you have to first create the account by clicking on “Register as a new user”. You have to provide your personal details to register like Name, Date of Birth, Address, PAN, Mobile number, Email Id etc.
An activation code will be sent to your Email Id and also an SMS to your mobile number. Input the code and click on Activate tab. Once this is done, then you can log in to Kaveri Online Services easily and change the password.
Step 2-After login, click on “Online EC” tab for getting the online EC.
Step 3-Now you have to first select the date range from which you need the records of property by referring the sale deeds.
Along with this, you must also fill the details like property type number, property type (Agriculture Land or Non-Agriculture Land) and also the property boundary lines with the measurement of the property.
After filling all relevant data, check ‘Send OTP to view Document’ option. An OTP is sent to your registered mobile number. You have to enter that OTP to view/download Property Encumbrance Certificate online.
Step 4-Click on ‘View Document’ to download or print the required EC. You can view the EC online without paying any free at the free of cost. However, if you need the digitally signed copy, then you have to pay the fee.
Step 4-Now if you wished to download the certified copy of Encumbrance Certificate, select the option ‘Check to apply for digitally signed EC’ option after providing the OTP and then click on ‘View Document’. Click on ‘Proceed’ option at the end of the online PDF document and pay the required fees.
Once you pay through their Unified Payment Gateway, then your transaction receipt get generated.
Step 5-Then you have to click on “Refresh payment status” button.
Step 6-Your online EC application will be submitted and saved under ‘Pending / Saved Application’ section for further processing. Your application for EC will be sent to the concerned authorities and will be digitally signed.
After selecting the relevant EC, you can download the digitally signed EC for your usage.
Blog reader Mr.Guest updated this for the benefit of other readers “One should click SUBMIT button after making the payment. SUBMIT button is located below EC application. You can reach EC application through the Saved folder. I did not do that for a week and it was stuck. After I clicked on the button and submitted the application for digitally signed EC it took 2 working days.”
If you still have a doubt regarding this process, then let me know your difficulty.
The biggest advantage of getting EC online is that you no need to pay the additional cost which few AGENTS or officials itself ask for. It is completely free from bribe and cost-effective. However, I have to see how this will be served to the need with time-bound manner.
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View Comments
I have applied for EC online on 18th april, still i have not received any updates and it's showing the status in the website like 'Allocated To FDA/SDA from SRO', should i need to visit sub-register office for further process?
Same for me, did you get any chance to get download your EC
Same with me also. Let me know whether you were able to get the EC online.
Hi, I live in Electronic City phase-2 which falls under konappana agrahara village panchayat, but now it’s upgraded to ULB and not able to find details of property on kaveri portal. When I try under e Swathi it’s popping up alert as property is upgraded to ULB and now when I try on e Aasthi under Bengaluru urban it’s not showing konappana agrahara, kindly help
Dear Madhan,
Better you visit the concerned sub-registrar office and get the clarity on this aspect.
When I tried Kaveri online services on 1st April 2024, "Bangalore" or "Bangalore Urban" district does not show up at all in the options. It appears that only other districts of Karnataka are right now serviced through this website.
Dear Kiran,
May be some glitch. Bangalore is also available.
I am also facing the same issue no. Only "Bangalore Rural" is available in the district list. Anybody has a solution for this? I need to apply for EC urgently.
Dear Sandeep,
No option but to knock the concerned sub-registrar office.
Every time I try to log in, after I click submit, I get (error occurred while sending OTP, please try again later). How do I solve this problem.
Hi Chandan,
Were you able to get out of this issue now ?
I am facing the same issue.
Now portal has been changed
Dear Chandan,
Neither I can help you in this as it is a technical error.
Hi , This is very helpful article , really appreciate your effort in doing this for public. Was trying to get EC for my property in bangalore. when I try to register in kaveri portal, it says there was an error in sending OTP to my mobile. Is there any way we can try to get this resolved?
I am trying to search EC from 2015 to 2023 then it shows few other properties in between along with mine, how to filter so that it will show only my property.
Anyone found a solution to this? I am also facing same issue.
Dont worry if more properties show up. Try to filter as much as possible to have only your properties and then submit and make the payment. The officers will filter from their end and send the correct EC. I took a chance and submitted on 27th Dec and on 30th Dec I was able to download the e-signed copy with only my property details mentioned!
Now my only doubt is, can I also visit the office and collect a physical copy or am I eligible only for digital copy through this method?
Dear Mondal,
You have to check for the reasons and when the property was separated.
Thanks for yr very nice explanantion.
I tried search on builder name(Prestige Whitemeadows) as well as purchaser, Pratima Ritwik.
Every time it gives an error 'Error: Unable to save application'
??
My flat no 4052, Prestige Whitemeadows on Whitefield main road.
Thanks
Dear Ritwik,
Better to get it done by visiting the concerned sub registrar office.
I have filled the EC form but the "Click here for e-payment" does not work. It takes me to the mode of payments but nothing further. Let me know if there is a way to resolve this issue or any alternate mode of making the payment.
Dear Dipanjan,
It may be a procedural error. Check with the concerned or opt for offline.
Hi Basunivesh,
there is no mention of what is the use of online Encumbarance Certificate form.17, from Kaverionline of Sub registerer Office.
it can merely used for Showcase purpose, information purpose only( Esigned or not esigned).
if at all, it is usefull somewhere, What is the Validity of this document once it is generated.
Dear Bhakar,
I know the issues. They just merely launched such facilities but stay away from providing as their major side income will stop immediately.
I applied EC and submitted with payment. Current status is "EC Preparer Signed & Uploaded"
But when I go inside the Application, I don't see any download button. Is there any other way we can download or am I doing anything wrong.
Dear Paresh,
Refer the comments of few readers.