🏡 What is an Encumbrance Certificate & How to Get It?

Introduction Buying a property is one of the most significant financial decisions an individual or family makes in their lifetime. Whether it is for residential, commercial, or investment purposes, the process involves not just a large monetary commitment but also a series of legal verifications to ensure that the transaction is safe, valid, and free from future complications. One of the most important aspects of this due diligence is ensuring that the title of the property is clear, meaning the property is not involved in any legal disputes, not mortgaged, and does not have any outstanding liabilities or claims against it. To verify this, one of the most essential documents you must obtain is the Encumbrance Certificate (EC) . Issued by the local Sub-Registrar’s Office , the EC serves as proof of a property’s legal and financial status over a specified period. It helps determine whether the property is free from encumbrances such as loans, mortgages, unpaid dues, court attachme...