The Registration Encumbrance Certificate is a fundamental document in Indian property transactions, issued under the authority of the Registration Act, 1908 and various state registration laws. This certificate is typically required when conducting property transactions, applying for loans, or performing legal due diligence on real estate assets. It provides crucial information about any existing mortgages, liens, legal disputes, or other encumbrances that might affect the property's title. The document is particularly important for buyers, lenders, and legal professionals as it helps identify potential risks and liabilities associated with the property. A Registration Encumbrance Certificate typically covers a specified period (usually 12-30 years) and is obtained from the Sub-Registrar's office where the property is registered.
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1. Certificate Number and Date: Unique identification number and date of issuance of the encumbrance certificate
2. Property Identification: Detailed description of the property including survey number, boundaries, extent, and location details
3. Search Period: Specification of the time period for which the encumbrance search has been conducted
4. Registered Documents List: Chronological list of all registered documents affecting the property during the search period
5. Nature of Encumbrances: Details of each encumbrance including type (mortgage, lease, etc.), date, and parties involved
6. Financial Obligations: Information about monetary charges, liens, or other financial encumbrances on the property
7. Official Certification: Declaration by the Sub-Registrar about the accuracy of the information and official seal
1. Pending Legal Proceedings: Section included when there are ongoing legal disputes or proceedings affecting the property
2. Government Claims: Section added when there are outstanding government dues or statutory claims on the property
3. Historical Ownership Details: Additional section when detailed ownership history is specifically requested
4. Nil Encumbrance Declaration: Special section included when no encumbrances are found during the search period
1. Schedule A: Detailed property description including measurements and boundaries
2. Schedule B: List of registered documents with document numbers and registration dates
3. Schedule C: Details of monetary encumbrances including loan amounts and repayment terms
4. Appendix 1: Copies of relevant extract of registration index particulars
5. Appendix 2: Supporting documents referenced in the certificate
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