How to Obtain an Encumbrance Certificate?


What Exactly is an Encumbrance?

If a property has been mortgaged, it is considered to have an encumbrance. In a real estate deal, the buyer must ensure that the property is free of encumbrances. If he purchases such a home, he will be responsible for the outstanding loan payments. A third party, including a mortgage lender, might contest the ownership of a property with an encumbrance.

Online EC

An Encumbrance Certificate (EC) identifies any encumbrances on the property being sold. If it occurs, an online EC for the transacted property is granted. A Non-Encumbrance Certificate is issued if it has no encumbrances.

Who Issues an Online EC?

An Online EC is issued by the SRO in whose jurisdiction the transacted property is located.

What is the duration of time that an EC is valid for?

Online EC usually lasts between thirteen and thirty years.

What are the differences between Forms 15 and 16?

If a property contains encumbrances, a Form 15 EC will be issued. The SRO issues the EC on Form 16 if the property is free of encumbrances at the time of issuance. The certificate will subsequently be known as a ‘Non-Encumbrance Certificate.’

When do you need an EC for Home Loan Online?

  • It is critical to provide proof to the buyer that the property you are selling to him is free of encumbrances when you are selling it. While conducting due diligence or a title search on your property, the property buyer checks your EC.
  • While taking out a mortgage.
  • While submitting an application for a property change.

Procedure for Obtaining Online EC

  1. Fill out Form 22 at the SRO’s office. On the Delhi Revenue Department’s website, you can schedule an appointment with the SRO.
  2. Submit your application, along with Form 22 and any other required documents, as well as the appropriate costs.
  3. Save the SMS notifying you that your application is being reviewed.
  4. Return to the SRO after 15 to 20 days to get your Online EC.


The fees you must pay are determined by the location of your property, its size, and the number of years it is being pursued.

What does the EC keep Track of?

The name of the property owner, the description of the property, the form of transfer to the current owner and the specifics of the encumbrance are all displayed on an EC on Form 15. A non-Encumbrance Certificate on Form 16 certifies that your property is free of liens at the time it is issued.

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