The Encumbrance Certificate Of Property is a fundamental document in Indian property transactions, mandated by the Registration Act, 1908, and various state registration laws. It serves as an official record issued by the Sub-Registrar's Office, documenting all registered transactions, financial charges, and legal encumbrances on a property for a specified period (typically 13 or 30 years). This certificate is essential for various purposes, including property purchases, mortgage applications, legal verification, and due diligence. It helps stakeholders assess the property's legal status, verify ownership history, and identify potential risks or liabilities. The document is particularly crucial in India's property market, where title insurance is not common, making it a primary tool for identifying potential claims or disputes affecting the property.
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1. Certificate Number and Date: Unique identification number of the EC and date of issuance
2. Issuing Authority Details: Name and details of the Sub-Registrar's office issuing the certificate
3. Property Identification: Complete details of the property including survey number, boundaries, extent, and location
4. Search Period: The time period for which the encumbrance search has been conducted (e.g., last 13 years)
5. Property Owner Details: Current owner's name and details as per registration records
6. Transaction History: Chronological list of all registered transactions affecting the property during the search period
7. Encumbrance Details: Details of any mortgages, loans, liens, or other charges on the property
8. Authentication: Official seal, signature, and verification details of the issuing authority
1. Previous Search References: References to any previous ECs issued for the same property, used when there's a continuation or update of a previous EC
2. Nil Encumbrance Statement: A specific statement indicating no registered transactions found during the search period, included only when applicable
3. Legal Proceedings: Details of any ongoing legal proceedings affecting the property, included only if such proceedings exist
4. Property Tax Details: Information about property tax payments and dues, included when specifically requested
5. Digital Verification Code: QR code or digital verification details, included for certificates issued through online platforms
1. Annexure A - Property Documents: Copies of referenced property documents mentioned in the certificate
2. Annexure B - Transaction Details: Detailed breakdown of each transaction mentioned in the main certificate
3. Annexure C - Map Schedule: Property sketch or map showing boundaries and measurements
4. Annexure D - Search Report: Detailed report of the registration department's search findings
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