How to Apply Encumbrance Certificate (EC) Online in Tamil Nadu

An Encumbrance Certificate (EC) is an important record for property owners in Tamil Nadu. It shows the full history of a property, including past sales, loans, or legal issues. You need an EC for buying, selling, or taking a home loan.

TNREGINET makes it easy to apply for an EC online without visiting the Sub-Registrar Office. To learn more about all TNREGINET services, you can read my full guide on TNREGINET Registration, EC View, and Guideline Value at: https://tnreginetguide.com/

What Is an Encumbrance Certificate (EC)?

An Encumbrance Certificate is a record of all registered transactions related to a property. It shows:

• Sale deeds
• Gift deeds
• Mortgages
• Loan details
• Court orders, if any
• Release deeds

If the EC shows “No Encumbrance,” it means the property has no financial or legal issues.

Types of Encumbrance Certificate in Tamil Nadu

1. Form 15 (EC with Encumbrance)

This EC shows all registered transactions on the property for the selected period.

2. Form 16 (No Encumbrance Certificate – NEC)

This EC shows that no transactions or charges are recorded on the property.

Documents Needed for EC Application

You need only basic details:

1. Property address
2. Zone, village, and survey number (if available)
3. Owner’s name
4. Document number (optional)
5. Year of registration
6. SRO (Sub-Registrar Office) details
7. TNREGINET login ID

No physical documents are required for online application.

How to Apply for Encumbrance Certificate (EC) Online in Tamil Nadu

Follow these simple steps:

Step 1: Visit the TNREGINET Website

Go to the official TNREGINET portal https://tnreginet.gov.in/ and log in to your account. If you are not registered, create a new user ID with your mobile number and email.

Step 2: Open the EC Service Page

In the “E-Services” menu, select “Encumbrance Certificate.” You will see options to view, apply, and download EC.

Step 3: Select the Search Method

You can search EC using:

• Survey number
• Plot number
• Patta details
• Document number
• Street name and door number

Choose the method that fits your available information.

Step 4: Enter Property Details

Fill in the required fields such as village, zone, year range, and SRO office. Enter owner name if known.

Step 5: Set the EC Period

Choose the years for which you want the EC. Banks usually ask for 12 to 30 years of EC history.

Step 6: Submit the Request

Review the details and submit. The system will generate the EC request.

Step 7: Make the EC Payment

Pay the EC service fee online using debit card, credit card, or net banking.

Step 8: Download the EC

Once processed, you can download the Encumbrance Certificate from your TNREGINET login. The EC will include the official seal and approval details.

EC Processing Time in Tamil Nadu

In most cases, the EC is ready within:

• Immediate – if using document number search
• 1–3 working days – for detailed EC requests
• Up to 7 days – if manual review is needed at SRO

TNREGINET sends updates to your mobile number and email.

EC Fees in Tamil Nadu

Service	Fee
EC search fee	₹1 per year
EC application fee	₹1 per page
Online service charge	₹20 – ₹40
Certificate download	Included

Charges may change based on SRO rules.

Why You Need an EC

You need an Encumbrance Certificate for:

• Buying property
• Selling property
• Home loan application
• Land mutation
• Checking property history
• Legal property verification

Common EC Search Issues & Solutions

1. No records found

Check spelling of owner name or try a different year range.

2. Wrong SRO selected

Use “Jurisdiction Search” on TNREGINET to find the correct Sub-Registrar Office.

3. EC not downloading

Clear browser cache or log in again after 10 minutes.

4. Missing entries in EC

Visit SRO with your document number for manual verification.

FAQs