The procedure for online application for an encumbrance certificate in Tamil Nadu
Posted on: 28/Aug/2020 10:42:20 AM
Encumbrance Certificate (EC)
An encumbrance or ‘villangam’ certificate in Tamil Nadu establishes the complete ownership over a property.
In Tamil Nadu, one can apply for this certificate online.
EC is an important document which establishes the complete, legal ownership of the property.
It establishes that the property in question is free of legal or financial liability.
In case, the property was purchased by availing of a home loan or if the property is pledged, the lender will add a ‘lien’, which means there is a charge to the property. In short, it is an alert that the property cannot be sold unless the payments are made in full. In Tamil Nadu, the sub-registrar under whose jurisdiction the property falls issues the encumbrance certificate. This is the place where the property is registered when it is purchased or sold. The EC is also known as a ‘villangam’ certificate in the state.
How to apply online for encumbrance / villangam certificate in Tamil Nadu
- To apply for an EC online, you will need to register yourself. If you already have an account, sign in, else sign up to login and access the services.
- If you are a first-time user, you will need to sign up and provide details such as username; password, address, and identification number (PAN/Aadhar/driving licence/others) and contact details. Complete the sign-up to receive an OTP on the contact number. On signing up, you will receive the following screen:
- Check your email id for a verification link from the authority.
- Once your details are verified, you can sign in.
- A registered user can now go to ‘E-services’ tab on the homepage > Encumbrance Certificate Search and apply EC.
You will be required to fill in the following details:
- Location: Zone, district, sub-registrar office.
- Time: EC Start date and EC end date.
- Survey details: Village, survey number, subdivision number.
- House details: Plot no, flat no, door no, ward, block, boundary details, extent and build-up area.
- Additional details: Old survey no, TS no, old door no, declared owner, father’s name, any registered document.
(Once you feed in these details, you can proceed to enter the captcha to search for the EC.)
- Once you click on ‘Search’, all the documents pertaining to the details you have entered will be displayed. Proceed to ‘Apply Online’.
- Enter your name, contact details and save it and proceed to pay.
- You can see the payment details, select the payment option to move to the e-payment screen.
- Enter the details in the e-payment section such as name, address, susub-registrar office etc.
- Choose the bank you wish to make the e-payment form and pay.
- Once your payment is successful, you will be provided with a bank reference number, CIN number and transaction ID. Keep these details handy. Upon selection of the applicable data and approval of the application by the sub-registrar, the encumbrance certificate will be sent to the applicant’s login with a QR code added in all the pages and a digital signature of the sub-registrar affixed in the end. SMS notification will be sent to the applicant.
You can view the digitally signed EC under ‘E-services’ > encumbrance certificate > Request List.
Procedure to apply online for TN EC / villangam certificate offline
List of documents required to make an application for EC
- Attested copy of address proof
- Details about property
- Title details
- Along with this, you will also be asked to pay the requisite fee applicable for this service.
An application needs to be submitted in the sub-registrar’s office, along with the aforementioned documents. You can download the application format here.
The concerned authority will go through all documents to ascertain its legality.
An EC with details of all transactions or in the absence of transactions, a Nil Encumbrance Certificate is issued. This may take 15-30 days from the date of application.
How to search Tamil Nadu encumbrance/village certificate online
Visit the official website of the Inspector General of Registration (IGRS) Tamil Nadu official website.
At the bottom of the page, you will see various services, opt for ‘ENCUMBRANCE CERTIFICATE’. Click on it to apply for an EC online. You can also tap on the ‘e-services’ tab on the home page to be directed to the same window.
You will be directed to the page where you will have to feed in details such as zone, district, sub-registrar office, EC start and end date, survey details such as a village, survey number and subdivision number. Enter the captcha to confirm and search for your EC.
You can also choose to opt for the ‘document-wise’ option on the above screen. You will be asked for details such as sub-registrar office, document number, year and document type. Proceed after entering the captcha.
Documents Required for EC Encumbrance Certificate
In order to apply for the EC, you u need to submit certain documents along with the application form, these documents are:
- The title and property details.
- The registration copy of the property.
- Address proof of the person applying.
- Copy of property sale deed/gift deed/release deed or partition deed, in case any of it was executed previously.
- In case any deed was executed then, the deed number along with the registration number which contains the date and book number.
- Also, the signature of the applicant.
