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.

What Is an Encumbrance Certificate?

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.

What Information Is Available in an Encumbrance Certificate?

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

How to Get an Encumbrance Certificate in Delhi?

To avail encumbrance certificate in Delhi, the only option you have is to apply in person. Unlike a few states, Delhi has no online route for EC, which makes the process rather time-consuming. Further, applying offline may take up to 30 days for the sub-registrar’s office to generate EC for land. 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.

Documents Required to Apply for EC in Delhi

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

Eligibility Criteria to Apply for an EC in Delhi

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

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

What Are the Fees Required to Get an Encumbrance Certificate in Delhi?

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

Usage of Encumbrance Certificate

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 process 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.

Frequently Asked Questions

✓ How is EC different from CC in Delhi?

The significant difference between EC (encumbrance certificate) and CC (completion certificate) is that EC is issued to an owner of the land, and CC is given to the builders, taking up construction work on the land. Furthermore, EC provides information on the particular land liabilities in a period, while CC states that the construction is completed according to the laid rules and norms.

✓ How can I check property details in Delhi?

Firstly, visit the official portal of Delhi Online Registration Information System and click on ‘Search by Name'. Fill in the credentials and click on ‘Search’ in the next window. The following window will display all the details of an individual's particular property.