Understanding Encumbrance Certificate in Tamil Nadu
Definition
An Encumbrance Certificate (EC) is an official land record document issued by the Sub-Registrar Office (SRO) in Tamil Nadu. It certifies whether a property has any legal dues, mortgages, or claims registered against it. Property buyers use the EC certificate online to confirm clear ownership before purchase or registration.
Key Takeaways
- Encumbrance Certificate (EC) – Verifies property is free from legal dues or mortgages.
- Covers Transactions – Records all sale deeds, partition deeds, mortgage deeds, or lease transactions registered at the SRO.
- EC Online Tamil Nadu – Apply, view, and download EC certificate online via mypatta.
- Nil Certificate of Encumbrance on Property – Issued if there are no encumbrances on the property.
- Property Verification – Essential for property registration, bank loans, and title transfer.
How to download or get Encumbrance Certificate (EC) Online in Tamil Nadu
With mypatta, citizens can easily check and download property EC online by using survey number check online or property details.
- Open mypatta and log in or sign up if needed.
- Ensure “Tamil Nadu” is selected as the state, then tap the “EC”(Encumbrance Certificate) icon.
- Enter your land details such as Zone, District, Village ,SRO ,Survey and Subdivision number
- Click on Search and EC details will be displayed
- You can now save or share or download this document in PDF on your device.
- EC is available for free. For an official digitally signed copy, Apply for “Signed EC”.
Information Contained in Encumbrance Certificate (EC) in Tamil Nadu
- Property Owner Details – The EC lists the name of the current owner and may also reflect the names of previous owners. This helps establish the chain of ownership and ensures that the person selling the property is the rightful holder.
- Survey Number – Each property is uniquely identified using its survey number, subdivision number, and land survey details. This ensures accurate mapping of the property location and avoids disputes with adjoining lands.
- Transaction History – The EC provides a chronological record of all registered transactions related to the property, such as sale deeds, gift deeds, mortgage deeds, lease deeds, partitions, or settlements. This history is crucial for buyers, banks, and legal verification.
- SRO Name (Sub-Registrar Office) – The certificate mentions the Sub-Registrar Office (SRO) where the property has been registered. Since each property is tied to a jurisdictional SRO, this detail is essential for tracing the registration records.
- Nil Encumbrance Certificate (NEC) – If the property has no liabilities, mortgages, or legal encumbrances during the searched period, a Nil EC (or clean EC) is issued. This is often required for loans, property sales, and legal clearances.
Role and Purpose of Encumbrance Certificate in Tamil Nadu
- Property Purchase Verification – Confirms property is free of legal disputes.
- Bank Loan Requirement – Mandatory for home loans and mortgage approvals.
- Title Transfer – Ensures clean ownership transfer.
- Legal Compliance – Required during property registration at the SRO.
- Government Record Validation – Confirms authenticity of property transactions.
Important Tips and Considerations
- Always check EC in Tamil Nadu before buying or selling land.
- Verify details like survey number check online match your Certified Copy/Nakal.you can get the property documents from mypatta
- Keep a digital copy of property EC certificate for loans and legal processes.
Conclusion
The Encumbrance Certificate (EC) in Tamil Nadu is a crucial property document for verifying ownership, loan approvals, and registration. With mypatta, you can quickly apply EC online, view EC, download EC certificate without visiting the SRO.
