Have you heard of the encumbrance certificate? The encumbrance certificate also known as the EC is a very important document and it serves to validate the title of the property during the buying process. The key aim of this certificate is to ensure that the property being bought is free from all kinds of legal and monetary dues. A lot of property is often mortgaged and sometimes there are unclear dues as well. This certificate helps you in being sure that the property is clear of all such debts.
Back in November 2018, the Karnataka government launched Kaveri Online Services. The key aim was to make the whole registration process very easy. There are systematic steps that one needs to follow for the sake of making the document available for download on the website. Here, we will be sharing the key details of the different features offered by the Kaveri Online portal and the way you can put it to use.
The Features Of The Kaveri Online Portal
If you want to know the different features and facilities that you can access on the Kaveri site, here are some of the details.
- The Encumbrance Certificate (EC)
- The pre-registration data
- The appointment booking letter
- The E-stamp paper
- The sub-registrar office locator
- Know your property valuation
- Agricultural loan details
- Online commencement certificate
How Important Is The EC?
If you are wondering why is the EC so important, here are some of the reasons that cement its need.
- The EC is one of the mandatory documents that you must have when you are looking to transfer the property. It acts as proof of the ownership title so you need to have this document
- This certificate is needed if you are updating the land tax record. It will also be needed if you have failed to pay the tax for three years or more
- It is also important when you opt for property transaction deals
- If you are taking a loan against a property, you will need to show the EC as it will help the banks or the financial institute check that the property doesn’t fall under any dispute or doesn’t have any ongoing mortgages.
Which Transactions Don’t Fall Under The EC?
You may be wondering about some of the transactions that don’t fall under the EC. It is important to know these as it will ensure that you will be able to check these records in a different way
- Any private deals
- The equitable mortgage deeds
- The old EC
The Eligibility Criteria
Here are the eligibility criteria for obtaining the EC
- You should own the land in your name
- You should have the power of attorney or be an authored signatory
- You should intend to purchase the land if you are not already the owner
Here is the list of documents you will need when you are looking to get the EC
- Property details along with the title
- The application forms
- The period for which you need the EC
- Aadhar card as an Id proof
- The purpose for which you are applying for the EC
- The attested copies of the address roof
- A photocopy of the previously executed deeds of the mentioned property. It could be partition deeds, sales deeds and so on.
- The copy of the power of attorney
- Details like the registered deed number book number, CD number and other details as mentioned
How To Obtain The Encumbrance Certificate In Kaveri Online Portal?
You can choose to get the certificate in both online and offline ways. We will explain the details to you.
The Kaveri online service helps the users in getting the encumbrance certificate from any of the sub-registrar offices in the Bengaluru urban district. Here are the simple steps you need to follow.
The online process
- Head to the official website of the Kaveri portal
- Click on the option that reads ’Register as a new user’
- You will be asked to fill in several personal details. Make sure to type it accurately and then click on Submit
- You will get an activation code on your email address and an SMS on your phone as well.
- Enter the code and then click on the option that reads Activate
- You will now be able to login into the portal and you can then change your password as well
- Once you have logged in, click on the option that reads ‘Online EC’
- On the page that pops, you will be asked to fill in several data.
- Enter the details and then search for the index of registered documents
- Enter the details and then click on send OTP to get the OTP and enter it
- Request for a digitally signed copy of the EC
- When the signed copy is ready, you will be notified. You then need to log in to the portal and download the copy.
- You can also print the copy and keep it for subsequent uses
The Offline Method
Alternately, you can choose to go to the sub-registrar’s office and submit the documents along with the form. Make sure to enter all the particulars and then submit them. You will be called to collect the EC from the office.
How To Track The Status Of The EC Application?
If you want to track the status of your EC application, here are the steps you need to follow.
- Head to the official Kaveri site
- Login to the site with your credentials
- Now choose the option that reads ‘EC Application’. It will be present under the section called ‘Service Type’
- You will be able to download the certified copy of your EC if it is available or else it will show you the current status
The Properties Of The EC
Here are some of the salient properties of an EC. Let us see what they are
- An EC will record the different property-related details
- The document offers a thorough description of the property just like it is mentioned in the sale deeds
- All the transactions and details that have been registered with the office will be a part of the EC
- The certificate has all the property details for the relevant period. Transactions occurring outside that period window will not be accounted for in the EC.
- The certificate will list the name of the property owner. This is why it is also called the ownership title document
- The certificate will have all the details of the transactions, the book number, document number, and even the details and volume.
Is EC a mandatory document during property purchase?
Yes, EC is a mandatory document during the purchase of the property because it represents the ownership title
Is the Kaveri online portal meant for people of all the states?
No, the Kaveri online portal has been designed mainly for the use of residents of Karnataka
Can you download the signed copy of EC online?
Yes, you can head to the Kaveri online portal and download the signed copy of EC online too.