TNREGINET - Tamil Nadu Encumbrance Certificate 2024

TNREGINET, also known as Inspector General of Registration (IGRS) Tamil Nadu, is an online platform created by the Government of Tamil Nadu. It streamlines various registration processes like marriage, birth, death, firm registration, chit funds, etc. Additionally, users can easily access encumbrance certificates and find detailed information on stamp and registration fees for different categories. Property valuation can also be checked through TNREGINET.

What is Encumbrance Certificate

The encumbrance certificate (EC) is a crucial legal document provided by the sub-registrar overseeing the area where the property is located. It includes essential details such as the property owner's information, past transactions, and other relevant data. Often abbreviated as 'EC,' this certificate serves as reliable evidence of legitimate property ownership in Tamil Nadu. Obtaining an encumbrance certificate is vital for preventing potential legal disputes related to property ownership.

Process to Apply for Encumbrance Certificate Online in Tamil Nadu 

Here are the steps to apply for an encumbrance certificate in Tamil Nadu:
Step 1: Register on the TNREGINET portal if you haven't already. Log in with your credentials if you have an account.
Step 2: Complete the registration form with your personal details including name, address, phone number, and identification information.
Step 3: Verify your registration by clicking on the verification link sent to your email address or by entering the OTP received.
Step 4: Log in to the TNREGINET portal once your registration is validated.
Step 5: Navigate to the 'E-services' tab on the main page and choose the 'Encumbrance Certificate' option.
Step 6: Select 'Search and Apply EC' and enter the required details.
Step 7: Enter the captcha displayed on the screen.
Step 8: Click on the 'Search' button.
Step 9: Choose the 'Apply Online' option.
Step 10: Provide your name and contact information and save the details.
Step 11: Proceed to the payment section after reviewing the payment details.
Step 12: Fill in the e-payment details including your name, address, and sub-registrar office.
Step 13: Make the payment from your preferred bank account.
Step 14: Upon payment approval, you'll receive a bank reference number, CIN number, and transaction ID.

Once processed, you'll receive the encumbrance certificate with a QR code on each page and a digital signature of the sub-registrar at the end. You'll also receive an SMS notification confirming the issuance of the certificate.

Process to Apply for Encumbrance Certificate Offline in Tamil Nadu 

To apply for an Encumbrance Certificate offline in Tamil Nadu, follow these steps:

Step 1: Visit the sub-registrar's office in your area and submit the required documents along with an application for the Encumbrance Certificate.

Step 2: The concerned authority will carefully review all the submitted documents to ensure their legal validity and accuracy.

Step 3: After the review process is completed, the Encumbrance Certificate (EC) will be issued to you. This certificate will contain details of all the transactions related to the property. If there haven't been any transactions, a Nil Encumbrance Certificate will be issued indicating no encumbrances on the property.
 
Please note that it typically takes around 15 to 30 days from the date of application for the Encumbrance Certificate to be issued. This duration may vary depending on the workload and processes at the sub-registrar's office.

You will also need to pay the applicable fee.
Step 1: Visit the sub-registrar’s office with the required documents.
Step 2: Submit an application along with the mentioned documents.
Step 3: The authority will review the documents for legality.
Step 4: Receive either a Nil Encumbrance Certificate or a detailed EC within 15 to 30 days from the application date.

How to Track Status of Encumbrance Certificate in Tamil Nadu

To check the application status of an Encumbrance Certificate (EC) in Tamil Nadu, follow these steps:
Step 1: Go to the TNREGINET portal.

Step 2: Navigate to the 'E-services' section.

Step 3: Select the 'E-Payment' option.

Step 4: Choose 'Payment' and then click on the 'Payment Status' option.
By following these steps, you can easily check the status of your EC application on the TNREGINET portal.

Process to View/Download Tamil Nadu Encumbrance Certificate?

Step 1: Visit the official TNREGINET portal ([TNREGINET](https://tnreginet.gov.in/portal/)).
 
Step 2: On the homepage, navigate to the ‘Encumbrance Certificate’ section.
 
Step 3: Click on the ‘Search/View EC’ tab.
 
Step 4: Choose either ‘EC’, ‘Document-wise’, or ‘Plot-wise’ options, and enter the necessary information.
 
Step 5: Provide details such as village, EC start date, EC end date, Sub-Registrar office, zone, district, etc.
 
Step 6: After entering the required details, click on the "Search" button.
 
Step 7: Enter the Captcha code and click ‘Search’.
 
The system will promptly generate and display the Encumbrance Certificate for your reference.

Documents to Apply for Encumbrance Certificate Offline in Tamil Nadu

To apply for an Encumbrance Certificate (EC) or Villangam certificate in Tamil Nadu, you will need to provide the following documents:
 
1. Property title deeds.
2. Purpose of EC application.
3. Duration of the EC needed.
4. Attested copy of your address proof.
5. Copy of any sale deed of the property.
6. Property address, survey number, document number.
7. Attested copy of the power of attorney if an attorney holder applies.
8. Complete details and documents of the property for which you are applying for the certificate.
 
Ensure that all documents are attested and provided accurately to facilitate the processing of your EC application.

Why Do You Need an Encumbrance Certificate?

If you're planning to buy, sell, or apply for a home loan using a property as collateral, you'll need an encumbrance certificate. This certificate confirms the rightful ownership of the property. It also allows you to get loans against the property from banks and other lenders because it shows there are no outstanding financial or legal issues linked to the property.

The Reasons For Having an Encumbrance Certificate

1. It confirms that the property doesn't have any outstanding debts or liabilities, ensuring a clear ownership status.
2. It serves as proof of ownership when applying for loans against the property or for home loans.
3. Necessary for the mutation of a property, which involves transferring ownership rights.
4. If property taxes remain unpaid for more than three years, the certificate is required to update records with village or panchayat officers.
5. Essential when withdrawing money from a Provident Fund (PF) account, ensuring the property is free from encumbrances.

FAQs on TNREGINET Tamil Nadu Encumbrance Certificate

What is a nil encumbrance certificate?

If there are no transactions involving the specified property during the requested time period, a nil encumbrance certificate will be issued.

Where can I view the transaction status for my e-payment?

To find out about your transaction, go to - E-services-> E-Payment-> Payment-> Payment status.

What is the validity of an encumbrance certificate?

The validity of an encumbrance certificate is up to 30 years. It should be noted that an EC requested for a specific time frame will only contain information for that duration.  

What is the difference between EC and CC?

Once a building is completed according to the approved plans and building regulations, the local authority issues a completion certificate (CC) to the developer or builder. On the other hand, any property's ownership or financial responsibilities are defined by an encumbrance certificate (EC).

How much does an encumbrance certificate cost?

In Tamil Nadu, the charges for an encumbrance certificate are as follows:

• Rs. 1 for the first year
• Rs. 15 for additional years of information
• Rs. 100 for computerized encumbrance certificates.