Encumbrance Certificate in Bihar: Comprehensive Guide

Looking for an encumbrance certificate in Bihar? Learn how to obtain an encumbrance certificate in Bihar, the importance of an EC, and the steps to apply for a non-encumbrance certificate in Bihar.
Loan Against Property
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5 min
03 July 2024

If you are planning to buy or sell property in Bihar, obtaining an encumbrance certificate is crucial. An encumbrance certificate (EC) is a vital document that provides evidence of free title or confirms the presence of any liabilities on the property. In this comprehensive guide, we will walk you through everything you need to know about the encumbrance certificate in Bihar. Whether you are a first-time buyer or an experienced property owner, understanding the importance and process of obtaining an EC is essential.

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What is an encumbrance certificate in Bihar?

An encumbrance certificate in Bihar is an official document issued by the registrar of assurances. It details all the transactions that have been conducted on a property, including sales, mortgages, and any other legally registered dealings. This certificate is essential to verify that the property is free from any legal or monetary liabilities. In Bihar, obtaining an EC is a crucial step in ensuring the property's clean title before proceeding with any transaction.

Importance of obtaining an encumbrance certificate in Bihar

  • Legal assurance: An EC provides proof that the property has a clear title and is free from any legal disputes or encumbrances.
  • Financial security: It confirms that there are no outstanding loans or mortgages against the property.
  • Essential for transactions: An EC is mandatory for buying, selling, or applying for a loan against the property.
  • Prevent fraud: It helps prevent fraudulent transactions by ensuring the property is not involved in any legal complications.

How to apply for an encumbrance certificate in Bihar?

  1. Visit the sub-registrar’s office: Go to the local sub-registrar office where the property is registered.
  2. Fill the application form: Obtain and complete the EC application form with accurate details.
  3. Attach the required documents: Attach the necessary documents such as proof of property ownership, identity proof, and property details.
  4. Pay the fee: Submit the application along with the requisite fee.
  5. Submit the application: Hand over the completed application form to the concerned officer.

Steps to apply for an encumbrance certificate online in Bihar

  1. Access the official portal: Visit the official Bihar registration department website.
  2. Login/Register: Create an account or log in if you already have one.
  3. Fill online application: Complete the online application form with the necessary details.
  4. Upload documents: Upload scanned copies of the required documents.
  5. Pay online: Make the payment through the available online payment methods.
  6. Submit application: Submit the form and keep a copy of the acknowledgement receipt.

Step-by-step guide to obtain encumbrance certificate in Bihar

  1. Gather information: Collect all details regarding the property, including previous ownership and transactions.
  2. Visit the sub-registrar office: Head to the sub-registrar office with the collected documents.
  3. Complete application form: Fill out the form with precise information.
  4. Attach documents: Attach property ownership proof, identity proof, and any other required documents.
  5. Pay fees: Make the necessary payment for processing the certificate.
  6. Submit form: Submit the form and documents to the officer in charge.
  7. Verification: The office will verify the details and process your request.
  8. Receive certificate: Upon successful verification, receive the encumbrance certificate.

Documents required for encumbrance certificate in Bihar

  1. Property sale deed: Proof of ownership.
  2. Identity proof: Aadhar card, voter ID, or passport.
  3. Address proof: Utility bills, ration card, or passport.
  4. Encumbrance certificate application form: Duly filled with accurate details.
  5. Affidavit: Stating the purpose of obtaining the EC.

Obtaining an encumbrance certificate in Bihar is a straightforward process if you follow the necessary steps and have the required documents. This certificate not only ensures that your property is free from legal disputes but also gives you peace of mind while conducting transactions. When you have your property clear from such uncertainties and wish to leverage your property to fulfil your financial needs, you can choose Bajaj Finserv Loan Against Property. It offers flexibility and convenience, allowing you to meet your financial goals without any hassle. Learn more about the features of Loan Against Property and how it can benefit you. If you need a loan, consider Bajaj Finance for competitive interest rates and easy application processes.

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Frequently asked questions

What is the meaning of a non-encumbrance certificate in Bihar?
A non-encumbrance certificate, in the context of Bihar, is a crucial document provided by the sub-registrar's office that asserts a property is free from any monetary and legal liabilities. It is a chronological record of all transactions related to a specific property and guarantees that the property does not have any encumbrances, such as a mortgage or a lien, during the given period.
How to get an Encumbrance Certificate Form 15 in Bihar?
To obtain an Encumbrance Certificate Form 15 in Bihar, you need to submit an application to the Sub-Registrar's office where the property is registered. The application must include details such as the property's complete address, survey number, and the period during which the certificate is required. You may also be asked to provide a photocopy of your property deed. Once the officers verify the information, they will issue the certificate, usually within 15 to 30 days.
Is it Encumbrance Certificate Form 15 or Form 17 in Bihar?
The Encumbrance Certificate Form 15 is applicable in Bihar, which provides a detailed history of the financial and legal transactions related to the property for a specific period. Form 17, on the other hand, is used when the property does not have any encumbrance during the requested period. Therefore, whether you need Form 15 or 17 would depend on the property's actual status.
Is an Encumbrance Certificate necessary while purchasing or selling a property in Bihar?
Yes, an Encumbrance Certificate is indeed necessary while purchasing or selling a property in Bihar. It is an essential document that verifies that the property to be sold or purchased is free from any financial liens or legal encumbrances, acting as evidence that the property can be legally transferred. The Encumbrance Certificate protects the buyer from fraudulent transactions, ensuring they gain clear ownership of the property.
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