TNREGINET - Online Tamil Nadu Encumbrance Certificate

Access your Encumbrance Certificate (EC) online with our step-by-step guide, simplifying the process for property transactions.
Loan Against Property
2 min
20 April 2024

In the age of digitalisation, obtaining property-related documents has become significantly easier. One such important document is the Encumbrance Certificate (EC), which is essential for confirming that your property is free from any legal or monetary liabilities. In Tamil Nadu, you can conveniently view and obtain this certificate online through the TNREGINET - Online EC View Tamil Nadu service.

This online portal, provided by the Tamil Nadu Registration Department, allows property owners to access their Encumbrance Certificates from the comfort of their homes. The TNREGINET - Online EC View Tamil Nadu service not only saves time but also ensures that you have easy access to crucial legal documents required for property transactions, loan applications, and more.

By visiting the TNREGINET website, you can quickly and efficiently retrieve your EC, making property-related processes more transparent and streamlined.

Importance of viewing EC online in Tamil Nadu

The EC is a mandatory document for property transactions. It provides a chronological record of all transactions related to the property, ensuring it’s free from encumbrances. Viewing your EC online in Tamil Nadu not only saves time but also provides accurate and up-to-date information.

The Online EC View Tamil Nadu service is a step towards digital India, making the process of obtaining an EC faster, easier, and more transparent. It eliminates the need for multiple visits to government offices and long waiting periods.

Steps to view EC online in Tamil Nadu

1. Visit the official TNREGINET portal
2. Log in with your credentials
3. Click on ‘Search EC’ and choose between the 2 options:

  1. For ‘Document-wise’:
    • Share the document number, sub-registrar office (SRO), code, and year
  2. For ‘EC’:
    • Share the required details, including zone, district, village, EC start and end date, SRO
    • Provide the survey and subdivision numbers

4. Click on ‘Search’ to view the EC-associated details

Eligibility of encumbrance certificate in Tamil Nadu

An Encumbrance Certificate (EC) is a vital document that proves the legal ownership of a property and confirms that the property is free from any legal liabilities or encumbrances. In Tamil Nadu, it plays a crucial role in property transactions, and understanding the eligibility criteria for obtaining an EC is important for buyers and sellers. Here are the key points regarding its eligibility:

  • Ownership of property: The person applying for the EC must be the legal owner of the property or have a registered interest in it. This includes both individuals and legal entities like companies, trusts, etc.
  • Property type: The EC can be obtained for both residential and commercial properties. It is applicable to land, flats, and buildings that are registered with the local sub-registrar's office.
  • Registration record: The property must have been registered under the jurisdiction of the concerned sub-registrar’s office. An EC can only be issued for properties that have a recorded history of transactions in the sub-registrar's office.
  • Time period for the EC: The EC can be requested for any period, but typically, it is issued for a specific duration (for example., 1 year, 5 years, etc.). The applicant must specify the time frame for which they need the certificate.
  • Application process: Only the legal owner or their authorised representative can apply for an EC. The application can be submitted online or in person at the relevant sub-registrar office.
  • Clear title: The property should have a clear title, with no pending disputes or legal issues. The EC serves to verify the absence of such encumbrances.

Documents required for viewing online EC

  • Property details: Survey number, subdivision number, document number
  • Personal details: Name, mobile number, etc.
  • Property location details: District, zone, village, SRO

Fees and charges for Online EC viewing

Type of search Fees/ charges
EC application fee Rs. 1
Search fee for the one year Rs. 30
Search fee for every additional year Rs. 10
Additional fees for the computerised period (from 1987) Rs. 100

 

How to check EC online in Tamil Nadu?

Checking the Encumbrance Certificate (EC) online in Tamil Nadu is a simple and efficient process, thanks to the TNREGINET - Online EC View Tamil Nadu service. Follow these steps to check EC online in Tamil Nadu:

Step 1: Visit the TNREGINET portal

Go to the official TNREGINET website at https://tnreginet.gov.in/. This is the portal where you can access various property-related services, including the online EC view Tamil Nadu.

Step 2: Navigate to the EC section

On the homepage, select the "Encumbrance Certificate" option to begin the process of viewing your EC.

Step 3: Enter property details

Provide the necessary details, such as:

  • District and sub-registrar office
  • Document number or survey number
  • Time period for which you need the EC.

These details help you find the correct certificate for your property.

Step 4: View or download the EC

After submitting the details, the Encumbrance Certificate will be displayed on your screen. You can either view it online or download it for future use.

Why is an encumbrance certificate important in Tamil Nadu?

An Encumbrance Certificate (EC) is crucial for property transactions in Tamil Nadu for several reasons:

  • Proof of ownership: The EC verifies that the property is free from any legal or financial liabilities, confirming the rightful ownership.
  • Property sale or transfer: When selling or transferring property, an EC is required to prove that the property is not encumbered by loans or disputes.
  • Loan applications: Banks and financial institutions require an EC to ensure that the property being mortgaged is free of any encumbrances before sanctioning a loan.
  • Legal protection: It serves as a safeguard, protecting the buyer from future legal disputes or claims related to the property.
  • Historical record: The EC provides a detailed record of property transactions over a specified period, which can be helpful for future reference or verification.

In Tamil Nadu, you can easily check EC online in Tamil Nadu through the TNREGINET for quick access to this important document.

How to apply for an Encumbrance Certificate online in Tamil Nadu?

Applying for an EC online in Tamil Nadu is a simple and efficient process. Follow these steps:

  1. Visit the TNREGINET portal:
    Go to the official portal for property-related services in Tamil Nadu.
  2. Select the "Encumbrance Certificate" section:
    On the homepage, click on the "Encumbrance Certificate" link under the services menu.
  3. Enter property details:
    Provide essential details like:
    • District and sub-registrar office
    • Document number or survey number
    • Time period for which the EC is required.
  4. Pay the fees:
    Pay the prescribed application fee using the online payment options available.
  5. Submit the application:
    After entering the details and completing the payment, click on ‘submit’ to apply for the EC.
  6. Download or view the EC:
    Once the application is processed, you can view or download your EC from the portal.

Benefits of TNREGINET portal for EC viewing

The TNREGINET portal is a one-stop solution for all property-related services in Tamil Nadu. It offers a host of benefits:

  • It provides quick and easy access to property documents.
  • It ensures transparency in property transactions.
  • It saves time and effort by eliminating the need for physical visits to government offices.

When considering financing options for residential or commercial property ownership, a loan against property emerges as a crucial resource. Whether aiming to scale business, finance education, or manage medical emergencies, it proves invaluable.

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

How to view EC online in Tamil Nadu?
To view EC online in Tamil Nadu, visit the TNREGINET portal, sign in with your credentials, click on ‘Search EC’ and choose one of the two options. Enter the required details and click on ‘Search’.
How many days will it take to get an online EC in Tamil Nadu?
The online EC in Tamil Nadu is available immediately after you enter the required details and click ‘Search’.
How to get house EC online?
To get house EC online, visit the relevant state’s registration department website, navigate to the EC section, and enter your house details.
What are the fees of online EC in Tamil Nadu?
The search fee for one year is Rs. 30, and for every additional year is Rs. 10.
What is the validity of an encumbrance certificate in Tamil Nadu?

The validity of an Encumbrance Certificate (EC) in Tamil Nadu depends on the time period mentioned in the certificate. Typically, it covers a specific duration, such as 1 year, 5 years, or the entire transaction history of the property.

What is the validity of an encumbrance certificate in Tamil Nadu?

An Encumbrance Certificate in Tamil Nadu is valid for the period it covers. For instance, if the EC is issued for the last 5 years, it remains valid for confirming property transactions within that period. It does not have a fixed overall validity.

What is the validity of an encumbrance certificate in Tamil Nadu?

The duration of an Encumbrance Certificate in Tamil Nadu depends on the applicant's request. You can apply for an EC for a specific number of years, typically 1, 3, 5, or even for the entire duration of the property’s history since registration.

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