Apply for Encumbrance Certificate Online in Karnataka: Fees and Charges

The Karnataka government has the Kaveri Online Services portal, an online service portal to get an Encumbrance Certificate in Karnataka. Also known as EC, it is an important document that validates a property title in India. When you buy a property or take a mortgage loan against a property in India, an EC ensures that the property has no pending monetary transactions or legal dues. 

Here's how to apply for an EC online in Karnataka, track the application, status, required documents, eligibility, fees, etc. Read on!

Encumbrance Certificate in Karnataka 

An Encumbrance Certificate is a crucial document that validates a property title by verifying that it is free from monetary dues and legal charges. In other words, it proves the property’s ownership. Now that you know what a Karnataka online EC is, you will need it for different instances of property transactions. When you purchase a property, it serves as proof of ownership during the transfer process. You must also submit it when applying for a mortgage loan against the property, as it certifies that the property has no legal liabilities.

An Encumbrance Certificate is also necessary for property mutation through Khata Transfer, Patta, or Khata Registration. You also need it when buying or constructing a new home or building. The Department of Stamps & Registration of the Karnataka government has set up the Kaveri online services to make applying for an EC online in Karnataka easier. Property owners can quickly calculate the market value, upload the documents, and send the application to the sub-registrar through the platform.

Usage of Karnataka Encumbrance Certificate

Here's a brief on the usage of Karnataka Encumbrance Certificate (EC):

1. Property Transactions: The EC is crucial for property transactions such as buying, selling, or transferring ownership. It ensures that the property is free from any monetary or legal liabilities.
2. Legal Verification: It serves as proof of ownership and helps in verifying the legal status of the property. This is important during legal disputes or when applying for loans against the property.
3. Loan Applications: Banks and financial institutions require the EC as part of the documentation process when applying for home loans or mortgages. It assures them of the property's clear title.
4. Municipal Corporation Procedures: The EC is necessary for obtaining building permits, property tax assessment, and other municipal approvals related to the property.
5. Property Insurance: Insurance companies may request the EC to assess the property's insurability and determine coverage options.
6. Personal Record Keeping: Property owners can maintain the EC as a personal record to track the history of transactions and legal status of the property over time.

Obtaining an Encumbrance Certificate in Karnataka involves applying through the state's online portal or at the Sub-Registrar's Office, providing specific property details for verification.

Steps to Apply for an Encumbrance Certificate (EC) Online in Karnataka 

Follow these steps to apply for an Encumbrance Certificate online in Karnataka:

• Visit the Kaveri portal and click on “Encumbrance Certificate”.
• Enter the required property details and click on ‘Search’ to search by property number.
• Search by party name for EC by selecting the district, taluka, hobli, or village of the property
• Enter the period for which you need the EC.
• Hit the ‘Proceed’ button, pay the Encumbrance Certificate fee, and download the PDF to generate a payment receipt.

Steps to Track the Encumbrance Certificate in Karnataka Application Status Online

Once you submit the application for online EC Karnataka, track its status using the steps mentioned below:

Step 1- Visit the Kaveri online services EC portal.

Step 2- Log in with your credentials. 

Step 3- Browse the ‘Service Type’ options and choose the ‘Online EC Application’.

Step 4- If the department has generated a certified copy of your EC, you will see an option to download it online.

How to Register a Sale Deed on the Kaveri Online Portal?

You can use the Kaveri online services portal to register a property sale deed. Follow these steps for the same:

• Visit the Kaveri online services portal 
• Login to the portal, click ‘Pre-Registration Data Entry’, and select 'Document Registration’.
• Enter details about the parties, property, witnesses, location and the closest SRO office.
• Enter the property type, total property area, neighbourhood name, and measurement unit to calculate the stamp duty charges.
• Upload the sale deed, NOC, and the buyer and the seller’s identity and residence proof.
• Select the payment option and enter the bank challan number, cheque number, and challan date.
• Choose a convenient appointment date. 
• Visit the SRO office on the appointment date for sale deed registration.

How to Locate the Office of the Sub Registrar in Karnataka through the Kaveri Online Portal?

The Kaveri portal also lets you locate the office of a sub-registrar. Here is the stepwise procedure:

• Visit the Kaveri portal.
• Explore the ‘Services for Guest User’ menu and find the ‘Locate SROs’ option. 
• Choose your district, village, and magani names, and click 'Search'.
• Click the SRO Office Name from the list to locate your nearest sub-registrar office.

Property Details in Encumbrance Certificate in Karnataka

Once you receive your online EC for Bangalore or any other city in Karnataka, you will find the following property details in it:

• Name of the property owner
• Transactions and documents with the office
• Property description in the Sale Deeds
• Loan details
• Transaction date, parties involved, document number, volume number, and book number 
• Relevant transaction to a specific period

Eligibility Criteria for Encumbrance Certificate in Karnataka

The following individuals are eligible for an EC online in Karnataka:

• Landowner 
• Potential land buyer
• Attorney holder or authorised signatory

Read Also: 9 Factors Which Impact Your Eligibility For Loan Against Property

Documents Required for Encumbrance Certificate in Karnataka

Submit these documents to apply for an Encumbrance Certificate Karnataka online:

• Application form
• Aadhaar card
• Address proof
• Property details
• Property card (if available)
• Period and purpose for which you require the EC 
• Power of Attorney 
• Previously executed property deeds, including gift, sale, partition, release, mortgage, and lease deeds 
• Registered deed date, number, book number, volume number
• Applicant’s signature

Read Also: How to Get a Loan Against Property Without Income Proof?

Fees for Getting an Encumbrance Certificate in Karnataka 

The fee structure to get an online EC in Karnataka is as follows:

Application Fee	Rs 5
Search for the First Year	Rs 30
Every Subsequent Year	Rs 10

Conclusion

The process for online EC application in Karnataka is easy and convenient through the Kaveri portal. Refer to this stepwise guide to apply for EC online in Karnataka and check your status. If you are looking for a mortgage loan at the best mortgage loan interest rate, Hero FinCorp can be your best funding partner with favourable terms and conditions. 

Frequently Asked Questions

1. What is the processing time for obtaining an Encumbrance Certificate in Karnataka?

After applying, you may receive the Encumbrance Certificate in Karnataka within 2-3 days.

2. Is the EC Online Karnataka portal secure for online transactions?

The online EC portal in Karnataka is completely safe and secure for online transactions. 

3. Are there any other services available on the EC Online Karnataka portal?

Apart from applying for an Encumbrance Certificate online Karnataka, you can also use the Kaveri portal to calculate stamp duty, select appointment timings, find a convenient sub-registrar office, register documents, and much more.

4. Is there a faster way to obtain an Encumbrance Certificate if needed urgently?

While routine processing times apply, urgent requests may be addressed based on specific circumstances, but this is at the discretion of local authorities and may involve additional fees or requirements.