Encumbrance Certificate in Delhi – Uses, Application Process & Fees Applicable

Buying land involves a lot of documents, and an encumbrance certificate in Delhi  is one of them. When you buy a property in Delhi, you should be aware that no encumbrances exist in a property. Otherwise, all the dues have to be paid by you or other monetary liabilities. However, knowing about EC and its application processes can help you largely solve and restrict any land disputes that can arise in the future.

An encumbrance certificate signifies that the property is free of disputes and has a free title or ownership. This certificate reflects all the details on ownership, transactions and any other encumbrances related to land. It provides a landowner with the security to restrict any land disputes against his land.

An EC comes with the following details mentioned on it –

• Name of the property owner
• Property related documents
• Details mentioned on sales deed
• Name and dates of transactions made in a property for a specific period
• Mortgage details, if used to avail a loan or others

To avail encumbrance certificate in Delhi, the only option you have is to apply in person. Unlike a few states, Delhi has no  method to apply for EC, which makes the process rather time-consuming. Nevertheless, follow the procedure given below to grab hold of an EC in Delhi.

Follow the following procedure to obtain an EC in Delhi –

Step 1 – Visit the Sub Registrar’s office under whose jurisdiction the particular property falls.

Step 2 – Collect Form 22 of EC.

Step 3 – Fill in this form with correct personal and property details.

Step 4 – Submit this form with a ₹ 2 stamp paper, specified documents, and purpose of application.

Step 5 – Pay the requisite fees as quoted at submission time.

Step 6 – After submission, a thorough inspection to verify the authenticity of the details is carried out by an inspector.

Step 7 – Upon verification, the respective department issues an EC in Form No. 15 with the transaction details and Form 16 in case of a NIL encumbrance certificate.

The applicant will receive an SMS on his specified mobile number regarding the issuance of EC. To gather it, he needs to revisit the sub-registrar office. This certificate is issued in regional language, and to get an English translated certificate, one needs to pay additional fees.

The following documents are required to file an application for EC -

• Applicant’s residence proof
• Identity cards like Aadhaar, PAN and ration cards
• Property address and credentials
• Sales deed copy (any sales deed related to land, latest or old)
• Purpose of application
• EC requirement period
• Copy of power of attorney if applied by a holder of the same

Individuals should meet the following parameters to avail an EC in Delhi -

• Applicants should own a land
• Someone who holds a power of attorney

The required fees in Delhi range between ₹200 to ₹500 and increase with the EC period. Furthermore, it is also influenced by location and size of the property.

The uses of an encumbrance certificate are as follows –

• As proof of legal landowner
• To avail loans from various financial institutions
• To update land records
• For seamless mutation process
• To buy a property 

Grab hold of the encumbrance certificate in Delhi to avail loans and other benefits. Though the online method has not started yet in Delhi, the offline route remains the only way of generating EC for a land. Follow the procedures described above for a smooth and seamless EC application.