Applying for Encumbrance through IGRS – Online. Step 2: Choose the Online EC option from the homepage. An Encumbrance Certificate (EC) identifies any encumbrances on the property being sold. Step 3: Click and open Search EC. In general, encumbrance certificate will be issued in. Step 4: Once you have downloaded the form, take out a printout. Step 4: Provide details such as Name, Email ID, Gender and Date of Birth. The encumbrance certificate is a mandatory document used in property transactions as an evidence of free title/ownership. Step 4: Fill the required data and search for the Index of registered documents. The process of obtaining an Encumbrance Certificate in Bangalore is easy and straightforward. Based on 2. Step 6: “Search Encumbrance Certificate” page will appear in front of you. The encumbrance certificate will be issued by the sub-registrar office (SRO) as Form 15 or Form 16. It contains the details of all the transactions. Get services for Permission to Run the Benefit Show Application Form, Andhra Pradesh. Step 1: Log in to Inspector General of Registration (IGRS) Tamil Nadu official website at TNREGINET Portal. EC should be ready on same-day of filing application. This suggests that the assets in the query aren’t connected to some other financial institution for the cause of acquiring a mortgage and are utterly owned via way of means of the. Enter the search period for which you require the EC and. EC is issued on Form 16. The certificate is important in the sale of the property and also in the acquiring loan from banks. The time duration to get Non. It is important to ensure that all details. 1987 onwardsPatrons. A house buyer should confirm that the. . ____ and its duplicated copy is pasted in the Add. The procedure to get an EC for a particular property is simple. Form 15 is used to issue an EC. This paperwork is typically used to verify who has the authority to engage in contractual. It also ensures that the buyer has complete ownership of the property, and if you notice any charges on the EC, it must be rectified before final purchase. Bangalore's. Open the home page of the Kerala Registration Division. An Encumbrance Certificate consists of all the. Download Landeed. An encumbrance certificate is a certificate issued by the sub-registrar’s office where the property is registered. The encumbrance certificate in Hindi is called Bhar-mukt- praman. Encumbrance Certificate. Legal and Financial Transparency: An Encumbrance Certificate provides vital information regarding a property’s legal and financial status. Step by step application procedure to obtain an encumbrance certificate online. 01. Step 1: The applicant wanting the Encumbrance Certificate must log in to the official website. The steps to obtain an Encumbrance Certificate Kolkata offline are as follows. To prove that the land is free from any. Under the services tab, click on the ‘Encumbrance Certificate’. We provide end-to-end assistance to obtain the FORM 15 encumbrance certificate. It is issued when a property does not have any registered encumbrances standing against it. As explained before, encumbrances, by their very nature, carry a financial risk. This implies that the property in question is not associated with any other bank for a loan and entirely belongs to the person. EP — Execution Proceedings. ME MR in Encumbrance Certificate. The fees increases when the period. The Will would be registered in the book IV of. Step 1: Open the portal. Certificates of Encumbrance: TNREGINET 2. An Encumbrance Certificate, also known as an EC, is a vital document that proves the owner/freedom of title to a property. You need to provide complete residential address and the purpose for which the certificate is required. An encumbrance certificate is basically a legal document that clarifies whether or not a particular property is free from legal or financial burdens. Andhra Pradesh has different stamp duty rates for different types of. There are mainly two types of ECs, these are: Form 15: One can get an encumbrance certificate from the sub-registrar's office of the region on Form 15 if a land/property has any legal liability for the duration of the period for which the applicant has required a certificate. You have to affix Rs 2 non-judicial stamp on the application. It is an essential document that is required when selling or purchasing a property, or when applying for a property loan or home loan to confirm that the concerned property is free of legal or economic liabilities. Till date, computerised encumbrance certificate extracts are issued only in seven States in India: - Andhra Pradesh & Telangana – 01. Key Takeaways. An Encumbrance certificate provides information about all the registered transactions that took place on a property in the specified time frame. Click on the “Submit”. An encumbrance certificate has a detailed description of transactions on a particular property registered under the sub-registrar. karnataka. An Encumbrance Certificate stands for a legal document that affirms the property in question does not have any legal and monetary liabilities (e. The purpose of the NDECC is to assess the clinical competence of dentists trained in non-accredited programs. Government registry enters all these details in the registrar of books. Both the options have been circled in below image. Step 2: On the left-hand side of the page, you will find "E-Services" tab on the menu bar. Who the current owner is. House details:. Here is the step-by-step method to get an Encumbrance Certificate on IGRS AP EC online. 1 Visit the portal on Kaveri. Doc. Our state-specific web-based samples and simple recommendations eliminate human-prone mistakes. MR -- Mortgager (Financer) ME. Name of the claimant --. Ans:-Encumbrance Certificate is a record showing registered transactions pertaining to a property. The page will redirect to next page. Encumbrance certificate is the certificate issued by the Registrar of Properties pertaining to a particular piece of land about the transaction made during the period you apply for. Click on view acknowledgement. The encumbrance certificate is a mandatory document used in property transactions as an evidence of free title/ownership. An encumbrance certificate or EC is a certificate of assurance, which states that the property in question is free from any legal or monetary liability, and. Click on Inspectorate General of Registration department. Register in online portal using their personal details and contact details. An encumbrance certificate (EC) is issued by the state’s local registrar. For any property, using its Encumbrance Certificate (EC) is the easiest way to find if the property has any loans, or mortgages, and has a free title. An encumbrance is a financial or non-financial obligation made over a property by a non-owner. You can apply for the Encumbrance Certificate online using the following methods-. An encumbrance certificate is basically a legal document that clarifies whether or not a particular property is free from legal or financial burdens. Process for applying for an encumbrance certificate online? What are the uses of an. Use its powerful functionality with a simple-to-use intuitive interface to fill out Non encumbrance certificate pdf online, e-sign them, and quickly share them. Step 3 – Pay the appropriate encumbrance certificate fee Karnataka for the requested period of encumbrance. An encumbrance certificate or EC is a certificate of assurance, which states that the property in question is free from any legal or monetary liability, and. To obtain an encumbrance certificate, one has to follow these procedures : An application is to be made to the registrar for obtaining the certificate in Form 22. If the owner/seller of the property has mortgaged it and has taken a loan against it, you would not buy it. C. An encumbrance certificate (EC) is evidence of the property’s sole ownership. An encumbrance certificate is an important document that plays a crucial role in the home loan application process. It is proof that the estate can be sold as an available title and that you will receive ownership without any legal complications. 3. [ecis2016. Kindly help. Suman MondalSeptember 1, 2022. The time taken may be anywhere between 15 to 30 days. This legal document is a testament to a property’s clear status, confirming that it is free from. (அரசு விடுமுறை நாட்கள் தவிர்த்து திங்கள் முதல் வெள்ளி வரை காலை 8 மணி முதல் மாலை 8 மணி வரை, சனிக்கிழமை காலை 10 மணி முதல் மாலை 5 மணி வரை தொடர்பு கொள்ளலாம்) Encumbrance Search(EC) Certified Copy Builder Registration Module Browse. 67 (in Lakhs) Encumbrance Certificates An Encumbrance Certificate (EC) is a crucial document used as evidence of free title/possession of a property. It is of capital. The purpose of the EC is to corroborate the situation of the building, by means of a public document that includes the specific description of the property, in which it is mentioned whether it has or not has a lien. Completion Certificate (CC): A completion certificate, which is a legal document, is issued when a building is finished in accordance with the building plan and other specifications. When I enquired for an encumbrance certificate, there was no response from the authorities. The Source for generating encumbrance details for self-search and encumbrance certificate obtained in Sub Registrar Office is same. How to Obtain a Certificate of Encumbrance? The procedures required for applying for an Encumbrance Certificate vary by state. CL — Claimant. R. Sample 1. Step 12: After the submission of the application the applicant can take print of acknowledgement. Step III: Enter the reference number in the confirmation link. Legal charges could mean legal proceedings being carried out against the property, while monetary charges could be a loan still being paid. If you are not registered, choose the ‘Register as New User’ option. I hereby state the following: (Place initials in applicable boxes). Encumbrance accounting, also known as commitment accounting, tracks anticipated spending to budgeted amounts. Provide all the required information such as your name, address, property details, and purpose for obtaining the certificate. Time Stamping Services. Step 4 – Submit this form with a ₹ 2 stamp paper, specified documents. It is issued by the sub-registrar and defines if the property has a clear title or not. Offline process timing will be provided by the authorities, usually, it takes 15 to 20 days. The following are the steps to apply for an encumbrance certificate online: Select the option to apply for an EC on the official State website for land registration. An encumbrance certificate (EC) is a legal document issued by the Stamps and Registrations Department (in most states) that provides details of the ownership of a piece of property. The Source for generating encumbrance details for self-search and encumbrance certificate obtained in Sub Registrar Office is same. Encumbrance Certificate (EC) is an important document to check before proceeding to buy a property in Telangana. Registration (Current Financial Year) Application Processed (Count) Revenue Collected (in Rs. Post carrying out the initial due diligence, the DT would have to issue a no-objection. It is a proof that your property is free from any monetary or legal dues. • You need to affix Rs two non-judicial stamp on the appliance. The document is needed while purchasing or selling a property or when applying for a home loan or loan against property to confirm that the particular property is free of any economic or legal liabilities. An encumbrance is a restriction on the use of funds. This will not only protect your legal title to the house but will also. This was the process to get the Encumbrance Certificate in Andhra. Encumbrance certificate certifies that there are no dues on the property, and the ownership of the property is clear and marketable. 10. If mortgage, sale or any other deeds in respect of an immovable property are registered, indexing will be done by the Registration Department and this indexing is ultimately converted to generate an encumbrance certificate. There are mainly two types of ECs, these are: Form 15: One can get an encumbrance certificate from the sub-registrar's office of the region on Form 15 if a land/property has any legal liability for the duration of the period for which the applicant has required a certificate. Navigate to the application menu. The application for obtaining an Encumbrance certificate should be made in Form 22. EC is issued on Form 15. Choose the deed instrument to calculate the stamp duty and registration charges. It reflects all the monetary and non-monetary. Whether you’re a buyer, seller, or simply a curious individual, understanding encumbrance certificates is vital in making informed decisions and avoiding legal complications. Any lien is an encumbrance, but the reverse is not always true. CL — Claimant. The Encumbrance Certificate in Telangana tells you if there are any 'encumbrances' on the given property. A certificate of no encumbrance demonstrates that the subject property is free and clear of all financial. in'(அரசு விடுமுறை நாட்கள் தவிர்த்து திங்கள் முதல் வெள்ளி வரை காலை 8 மணி முதல் மாலை 8 மணி வரை, சனிக்கிழமை காலை 10 மணி முதல் மாலை 5 மணி வரை தொடர்பு கொள்ளலாம்)An encumbrance certificate is an important document that is required in the transaction/ sale/purchase of the property and is used as an evidence of single ownership. (அரசு விடுமுறை நாட்கள் தவிர்த்து திங்கள் முதல் வெள்ளி வரை காலை 8 மணி முதல் மாலை 8 மணி வரை, சனிக்கிழமை காலை 10 மணி முதல் மாலை 5 மணி வரை தொடர்பு கொள்ளலாம்)New email ID. Select EC Option. i. Encumbrance Certificate – Andhra Pradesh. Public approach in large to registration offices mostly for encumbrance certificates, which is a first step prior to purchase of any property. Quick steps to complete and e-sign Certificate of non encumbrance online: Use Get Form or simply click on the template preview to open it in the editor. Note the Transaction ID for future reference Check Status and Download Encumbrance Certificate . Step 2: Provide all necessary information on the application form and click on. On the homepage, click on the “ Encumbrance Search (EC)” link under the Online Service option. Here are some of the benefits of obtaining an Encumbrance Certificate: Property Ownership Verification: An Encumbrance Certificate provides a clear indication of the ownership. 04. The procedure to avail an EC in West Bengal through offline route is as follows –. Presently you’ll be taken to another window. 3. EC is mandatory for all property transactions and certifies that the property is free any legal or financial liabilities such as mortgages, loans, or pending litigation. Follow the following procedure to obtain an EC in Delhi –. Contact us. The encumbrance certificate is provided by the sub-registrar’s office where the particular property is registered. Follow these steps to apply online for an Encumbrance Certificate in Kerala: Click on Kerala Registration Department to visit the official online portal. An encumbrance certificate is also used in real estate when there is a claim against a. The lien remains on. The EC for a property can be obtained from the sub-registrar’s office where the particular property has been registered. Hence,. Encumbrance certificate meaning in english. 2. An encumbrance certificate would, for instance, show you if it has been pledged by the seller to a bank. e. However, citizens who need ink signed Encumbrance certificate should approach SRO concern. Hence for all practical purposes both are same. Encumbrance certificate is a proof that the property in question does not have any monetary and legal liabilities. A lien is the most common type of encumbrance, and it can be placed on a property to receive a financial obligation from the homeowner, i. Karnataka-Encumbrance-Certificate-Login-Details. 2 Here, click on - Stamps and Registration > Application form of Encumbrance Certificate. Obtaining Encumbrance Certificate. 67 (in Lakhs) Encumbrance CertificatesAn Encumbrance Certificate (EC) is a crucial document used as evidence of free title/possession of a property. Visit the official website of the Registrar of your state and under the service tab, you’ll find the tab for the Encumbrance Certificate. The page will redirect to next page. 4 Attach your property address, survey number and document number for the property for which you want the Encumbrance. Along with the application, submit the fee applicable for obtaining the Certificate. Definition of terms. Then the respective Taluka, Village Name, and Hobli will be displayed. 67 (in Lakhs) Encumbrance CertificatesAfter TN eSevai registration, follow the below steps to apply for encumbrance certificate in Tamil Nadu. When buying a house, flat or plot, it is important to verify that the property does not have any monetary or legal dues. Application for Encumbrance Certificate - Free download as Word Doc (. Lien. Details require like. Buyers can get an Encumbrance Certificate online at the official website of the respective State’s land registration where the property is situated. Proposal 4. To get FORM 16 EC, file the application in sub-registrar in jurisdiction of the property. An NEC, or non-encumbrance certificate, is issued to verify that the assets being provided to the financial institution as protection are free from encumbrances. The first step encumbers newly entered purchase order line items into the General Ledger to help prevent overspending. Though any credit availed by land holder is reflected in village form no. This document is not just required to quench buyers’ anxiety, but it is a necessary document in case of Home Loans, Provident Fund (PF) Withdrawal or Property Mutation, etc. Step 3: Under the “Registration” category, the applicant will find the “Encumbrance Certificate” link to be selected. Here's how to check these rates: Visit the IGRS AP portal: registration. Step 1 – Visit your nearest Sub-registrar’s office. Step 2: Enter details such as zone, district, sub-registrar office, EC start and end date, Village, survey number and subdivision number. The new. 2% on lumpsum amount in addition to duty on rental basis. Step 3 – Fill this form with correct personal and property details. Encumbrance certificates are of two types: 1. Step1: Visit kaverionline. Go digital and save time with signNow, the best solution for electronic signatures. Once Application for EC is. IGRS AP 2023:-In this article today, you will be learning about the details regarding the encumbrance certificate which has been launched by the concerned authorities of Andhra Pradesh state so that the property owners can have all of their details aggregated in one place. Step 2 - Under ‘E-services’ category, click on ‘Encumbrance certificate’ and then ‘View EC’. If you are a new user, click on “Register as new user” and fill in the necessary details. How to Download Encumbrance Certificate in Tamil Nadu? Follow the below steps to download encumbrance certificate in Tamil Nadu. Some of these documents may seem similar to a layman…Step 2 – Collect the application form for EC (Form 22) from the registrar office. Enter the search period for which you require the EC and. If you are purchasing a house for yourself, it is strongly advised that you obtain an encumbrance certificate. Step 2: Click on Encumbrance Certificate from the Services section. A non-encumbrance. This certificate would also show who the current owner is, and how many hands the property. Online EC is available for transaction post 01-01-1983 only. Encumbrance Certificates can be obtained from Registrar and Sub Registrar Offices in Andhra Pradesh and Telangana. , certificate of Nil Encumbrance. In this article, you will be knowing about the procedures related. They will further create a new charge by registering a mortgage deed with the sub-registrar’s office. Step 3: In the next page, click on “ Meeseva services” from the list of service. Fill in the SRO details and district fields depending on the location of your property. The encumbrance certificate is a mandatory document used in property transactions as an evidence of free title/ownership. In addition, Form 15 will also hold all the information related to loans, taxes and other transactions, listed according to date. An e-Encumbrance Statement will appear on the screen. Date:23. An Encumbrance Certificate in Tamil Nadu does not represent any oral agreements or unregistered paperwork. It is to be obtained from the Registrar Office Concerned. Attach supporting documents: Along with the application form, attach the necessary supporting. " Step 3: Fill out the form for citizen login. Step 4: Fill in the required details whenever aked by the portal. Step I: Log on to Step II: Enter all the required fields. telangana. When applying for a home loan or obtaining a loan against a property, an encumbrance certificate is crucial. And encumbrance certificate (EC) ensures that there is a complete ownership of the property without any monetary or legal liability. Inserting all the details click on the submit button. Direct Route NDEB Equivalency Process Time: 1. Step 4 – Submit this form with a ₹2 stamp paper, specified documents. Form 15: This type of EC Certificate is issued when it is required for purposes related to. The EC for a property can be obtained from the sub-registrar’s office where the particular property has been registered. Fill The Details. 9. Obtaining an online Encumbrance Certificate in Kerala is a simple process; follow these steps: Step 1: Visit pearl. It also ensures that the buyer has complete ownership of the property, and if you notice any charges on the EC, it must be rectified before final purchase. In simple terms, an encumbrance is any charge or liability on a property, like a mortgage, a pending loan, or any legal dispute. He has mortgaged that property to the lender, or the ME. Encumbrance Certificate Provides details of the encumbrance of particular land with Executant, Claimants, Document number, year & Registration office. The certificate testifies that the property is free from encumbrances or financial burdens. Do whatever you want with a Encumbrance certificate form pdf. Presently select the submit option. Click Submit after reading all the instructions given on the. Inspector General, Department of Registration, Vanchiyoor P. An encumbrance certificate would, for instance, show you if it has been pledged by the seller to a bank. On the screen encumbrance certificate will be displayed. The user can enter the. 100% service guarantee by ZippservStep 8: Collect the Encumbrance certificate. Here is a guide on how to obtain an encumbrance certificate online in Kerala: Step 1: Visit the official website of the Kerala Registry Department at Step 2: Click on ‘Certificates’ from the menu bar and go to the sub-menu labelled ‘Encumbrance Certificate’. ) Documents Registered : 76,651: 42,965. The encumbrance certificate is a mandatory document used in property transactions as an evidence of free title/ownership. It provides essential information about any transactions related to the property for a specified period, such as sales, gifts, or loans. Learn more. 3) Now Encumbrance Certificate Application Request Screen will be displayed as depicted in Figure3. In case the property has any charges registered against it, Form No 15 is issued. On the Encumbrance Certificate, you will find a history of all transactions that have been recorded with the state government, for that given. Step 2: Pay the. The cost of FORM 16 EC is Rs. On the right-hand, look for the ‘Duty and Fee Details’ widget. The certificate validates any monetary or legal liabilities associated with the property. Out of all of the above, one of the most important documents is the encumbrance certificate also known as EC. Now citizens can search for Encumbrance on 24X7 basis from anywhere through the medium of Internet. An AP encumbrance certificate is a certificate of assurance that the property or residence in question is completely free of any legal encumbrances or monetary liabilities such as a mortgage or an uncleared loan in Andhra Pradesh. 10 additional sheets (over and above the 2 sheets used earlier) – Rs. A Non-Encumbrance Certificate is issued if it has no encumbrances. Complete all the needed fields on the "application for encumbrance certificate" window, then click save/update. Click on the department that looks after ‘Encumbrance Certificate’. nic. An Encumbrance Certificate has become a mandatory document for all property transactions, in order to act as proof that the property is free from any legal burdens. Documents Required . Encumbrance refers to any claim against a. Step 3: Fill out the application form, and give your basic details, property-related. When I initiated an RTI inquiry, they have sent the. These charges could be a mortgage loan, liens, a third party sale or multiple transactions on the same property. The word ‘encumbrance’ refers to a liability or burden on a property. ) Documents Registered : 76,651: 42,965. MR or mortgagor, is a person who is the current owner of a property. How to Apply for Kerala Encumbrance Certificate & Download Online? Application for Encumbrance Certificates is to be presented before the Sub Registrar by the applicant in the prescribed form with required fee in person or by post. An encumbrance is an interest in a property by someone other than the property's owner. An encumbrance certificate is a formal paperwork that states whether or not loans or other obligations unencumbered a specific piece of land. In case, the time period is more than 30 years, INR 500 is charged. gov. Once the certificate is displayed on the screen, you can download the degree in PDF. Rectification Deed is also known as deed of confirmation,. Request Digital EC. An encumbrance certificate is a certificate issued by the sub-registrar’s office where the property is registered. 1. Summary: Encumbrance Certificate helps show that a property is free of liabilities. NDECC®. certificates. Visit the official website of the Andhra Pradesh Registration & Stamps Department. The citizens of Andhra Pradesh can avail Encumbrance Certificate online from the website developed by the Registration and Stamps Department, Government of. However, in some states like Kerala, Tamil Nadu, Telangana, and Odisha, you can generate the non-encumbrance certificate online. Registration (Current Financial Year) Application Processed (Count) Revenue Collected (in Rs. Select ‘Encumbrance Certificate’. The provision restricts owners in the following ways—encroachment, easement, mortgage, lien, restricted covenant, and license. Dr. Then select the option – ‘confirm EC application’. The steps for applying for an EC online will vary from one State to another. Now, working with a Encumbrance Certificate Application Form Karnataka Pdf takes a maximum of 5 minutes. An encumbrance certificate is a certificate that is important while applying for a mortgage loan, selling land, and joint development, etc. Step 5:. Why do we need an encumbrance. The fees for Encumbrance Certificate in Bihar varies according to the number of years it is sought for. Enter the captcha, enter the Transaction ID you provided when you submitted the application, then click “Check Status”. The Encumbrance Certificate serves as evidence of the property’s title, indicating whether the property is free from any legal liabilities, such as mortgages, liens, or pending litigation. This is essential as one will have access to information about the property’s current owner as per government records, the transactions the property went through, and whether the property holds any. Step 11: A pop-up window will appear. It’s an important one in investigating the Flow of Title and in determining the status of the Title of the property. in contact: 0471-2703456 (General Enquiry), 0471-2703400 (CA. STEP 6: The. Encumbrance Certificate in Andhra Pradesh. How to get an Encumbrance Certificate? • To acquire encumbrance certificate, you wish to submit form №22 (application for EC). According to Section 17 of the Indian Law,you can apply for a Correction Deed to rectify mistakes in EC. A password is generated and sent through SMS/Email. Form 16: If a property has not registered any encumbrances or transactions when the. The term Encumbrance means charges and liabilities created on a property that is taken as security against a mortgage or loan as the case may be. Thus, an EC is always issued for a particular land. This certificate will also list the present owners and the number of owners the land. 32. . How to get Telangana Encumbrance certificate online? You can get Telangana Encumbrance certificate online by searching using document number or by property. More. Door step delivery of encumbrance certificates from the appropriate sub-registrar's office in Bangalore. Step 2: Provide the transaction ID of your online Encumbrance Certificate in Kerala and enter the correct captcha. The encumbrance certificate is recorded in the government’s database of encumbrances. To obtain an Encumbrance Certificate, a person must determine the period for which the certificate is needed. Step 1: Consult the Sub Registrar agency that oversees the specific land as the first stage. What Is A Non-Encumbrance Certificate? An NEC, or a non-encumbrance certificate is issued to ensure that there is no encumbrance on the property that a person is offering to the bank as security. Governments use encumbrances to avoid overspending on their finances. ”. Procedure and documents required for obtaining Puducherry encumbrance certificate. A lien is a monetary claim against property intended to ensure payment. The page will redirect to the next page. With limited understanding from brief post: If there is not encumbrance sale might be possible. And encumbrance certificate (EC) ensures that there is a complete ownership of the. Aware of the paperwork required for encumbrance certificate applicationStep 2: Log in to the Karnataka Kaveri portal using your Login Name and Password. July 1, 2010. Complete online process. 100/-. Step 5: Click on Submit. The document is needed while purchasing or selling a property or when applying for a. Registration Act, 1908 gives the mechanism to the concept of “notice to the world†. Step 3 – Submit this form along with property details, title details, and other required documents. The box in which all the services are there along with the links. Form 15 – This is the property Encumbrance Certificate and will hold details regarding date of sale, lease, mortgage, partition, release, if the property is a gift, if there is second party involvement, etc. Copy of documentary evidence in original representing ownership of the property in the name of the applicant, i. To obtain an encumbrance certificate, one has to follow these procedures : An application is to be made to the registrar for obtaining the certificate in Form 22. Application for Encumbrance Certificate. Rs. Time: EC Start date and EC end date. An encumbrance certificate is evidence that the property in question is free from any monetary and legal liabilities. Encumbrance Certificates (ECs) guarantee that a property is not encumbered by a mortgage or other debt. The certificate denotes that a particular property is free from any monetary or legal liability such as a mortgage or a loan.