EC online application: How to apply for an encumbrance (EC) certificate in Tamil Nadu?

[ecis2016.org] An encumbrance or ‘villangam’ certificate or EC certificate in Tamil Nadu establishes your complete ownership over a property. In Tamil Nadu, you can apply for this certificate online

Property buyers in Tamil Nadu must make it a point to check the encumbrance certificate before purchasing land in the state. 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.

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An encumbrance certificate (EC) proves whether or not an entity, who is not the property’s original owner, has any control over it. For example, if a property is mortgaged with a bank, the encumbrance certificate would show that the said bank has an interest in it and the property is, thus, encumbered. The certificate is also known as a ‘villangam’ certificate in the state.

You can apply online for encumbrance certificate in Tamil Nadu by visiting the Inspector General of Registration (IGRS) Tamil Nadu or TNREGINET website. The portal was developed by the Government of Tamil Nadu, to ease registration for marriage, birth and death, firm, chit fund, etc. Services, such as search for encumbrance certificate and property valuation, can be accessed through the portal. To apply for an EC online, all you need to provide, is information such as your name, address, zone, district, SRO, street name, village, house details and appropriate extent and boundaries of the property, to submit the application form online. Here is a guide on how to get an encumbrance certificate online.

EC online: How to get EC/ encumbrance certificate online in Tamil Nadu?

Step 1: To apply for an EC online, you will need to register yourself on the TNREGINET portal. If you already have an account, sign in, else sign up to login and access the services.

Step 2: If you are a first-time user, you will need to sign up and provide details such as username, password, address, identification number (PAN/Aadhaar/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:

Step 3: Check your email id for a verification link from the authority.

Step 4: Once your details are verified, you can sign in to the TNREGINET portal.

Step 5: A registered user can now go to ‘E-services’ tab on the homepage > Encumbrance Certificate > Search and apply EC.

Step 6: 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 entering the captcha to search for the EC/encumbrance certificate Tamil Nadu.

Step 7: Once you click on ‘Search’, all the documents pertaining to the details you have entered will be displayed. Proceed to ‘Apply Online’.

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Step 8: Enter your name, contact details and save it and proceed to pay.

Step 9: You can see the payment details, select the pay option to move to the e-payment screen.

Step 10: Enter the details in the e-payment section such as name, address, sub-registrar office etc.

Step 11: Choose the bank you wish to make the e-payment from and pay.

Step 12: 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. An SMS notification will be sent to the applicant.

You can view the digitally signed online EC under ‘E-services’ > encumbrance certificate > Request List.

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How to get TN EC / villangam encumbrance certificate offline?

List of documents required to make an application for EC or Villangam certificate:

• 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 such TN EC related online services.

Step1: An application needs to be submitted in the sub-registrar’s office, along with the aforementioned documents. For the villangam certificate application, you can download the application format here.

Step 2: The concerned authority will go through all documents to ascertain its legality.

Step 3: 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.

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How to search Tamil Nadu encumbrance / villangam certificate online on TNREGINET

Step 1: Visit the official website of the TNREGINET/ Inspector General of Registration (IGRS) Tamil Nadu.

Step 2: 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.

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Step 3: 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 village, survey number and subdivision number. Enter the captcha to confirm and search for your EC/ Villangam certificate.

Step 4: 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.

If you wish to know the data availability period for an encumbrance certificate or villangam certificate in Tamil Nadu, click here.

Also read about TNREGINET guideline value

How to view Encumbrance Certificate online in Tamil Nadu?

For viewing Encumbrance Certificate online, follow these steps:

• Step1: Visit the official TNREGINET portal.
• Step2: You can click on ‘Search/View EC’ tab under the ‘Encumbrance Certificate’ given at the bottom of the home page. Alternatively, you can click on the ‘E-Services’ tab and then on the  ‘Encumbrance Certificate. Then, you need to click on ‘View EC’.
• Step 3: You will be required information by putting tick mark on ‘EC’, ‘Document-wise’ or ‘Plot-wise’. Then type-in the CAPTCHA and then click on ‘Search’. Now you will be able to see the Encumbrance Certificate immediately.

What is the Non-Encumbrance Certificate in Tamil Nadu?

In Tamil Nadu, a non-encumbrance certificate is issued when there are no transactions in respect of the property within the time period for which Encumbrance Certificate is required. This is also known by the name of Nil Encumbrance Certificate.

How to obtain a digitally signed copy of the Encumbrance Certificate in Tamil Nadu?

The procedure for obtaining a digitally signed copy of Encumbrance Certificate in Tamil Nadu has been made simple. For that, login to the www.tnreginet.com portal, then go to ‘E-services’ drop down menu. Select ‘Encumbrance Certificate’ and then click on ‘Search and Apply EC’. However, for that you will have to create and ID and login to the www.tnreginet portal again and carry out the same procedure as above. Now make payment for EC through the online payment gateway. The digitally signed online EC will be ready to be downloaded from the ‘Request List’ tab in the same menu. The fee obtaining digitally signed EC is as under:

• EC Application fee- Re 1.
• Search Fees for 1St year – Rs.  15
• Search fees for every subsequent year – Rs 5
• Additional Fee in the Computerised period, that is, from 1987 onwards – Rs 100

How to correct an encumbrance certificate in Tamil Nadu

One should always be careful while applying for an encumbrance certificate in Tamil Nadu. Users applying for online EC or encumbrance certificate in Chennai and other cities need to be aware of the rectification deed. In case you have any mistake in your certificate, you need to apply for a rectification deed along with any proof to show the presence of errors in the previous encumbrance certificate. The changes that can be made to an encumbrance certificate will only be clerical in nature and no major changes can be made. The documents submitted at the sub-registrar’s office cannot be changed. As a result, any mistake in the original documents cannot be rectified through a rectification deed.

Limitations of Encumbrance Certificate In Tamil Nadu

Encumbrance Certificate in Tamil Nadu comprises details of only the period that has been requested for. Any details prior to this period do not get reflected in an encumbrance certificate. Similarly, any oral agreement or unregistered documents are also not reflected in an Encumbrance Certificate Tamil Nadu.

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What is a nil encumbrance certificate?

If there have been no transactions pertaining to the said property, during a certain period for which an encumbrance certificate is sought for, then, a nil-encumbrance certificate will be issued.

Online encumbrance certificate: How to download the Villangam certificate?

To download the Villangam certificate, log in to the official TNREGINET portal encumbrance certificate option. Click on Encumbrance Certificate under E-Services tab and then click on ‘View EC’ option. Provide the details to generate the encumbrance certificate. You will be able to download the Villangam certificate.

When is an encumbrance certificate needed?

You would require an encumbrance certificate in the following cases:

• When you are buying a property.
• For taking a home loan to buy a property.
• To withdraw money from your provident fund to buy a house.
• For property mutation.
• For sale of the property.

E-signed encumbrance and certified copies in Tamil Nadu

The state government has given its sanction for e-signed encumbrance and certified copies in the state. The move will be a step towards modernisation of the existing system. The entire onus of enabling and facilitating this move is on the sub-registrars.

Those seeking encumbrance certificates and certified copies will be provided with a QR-enabled copy with the digital signatures of the respective sub-registrars. The Aadhaar linked e-sign can be utilised by any official with the password. Once the sub-registrar’s thumb impression is placed on the biometric system, the system will automatically recognise the Aadhaar number of the sub-registrar and his/her digital signature would be encrypted in the certificates.

Court litigations to be seen in EC

In what is being called a rare ruling, the Madras High Court has said that prospective buyers and interested parties should be able to see court rulings in the EC. Justice N Anand Venkatesh stated this given that, so far, buyers had to approach civil courts, to remove disputed entries in the jurisdictional civil courts.

FAQs

(With inputs from Sneha Sharon Mammen)

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