The encumbrance certificate is a legal document that makes sure that a particular property is free from any monetary and legal liabilities. Encumbrance Certificate (EC) is legal proof that a given property can be sold with a clear title and the ownership can easily be transferred with any litigation. 

This certificate generally carries all the financial and legal transactions for a given period that has been made regarding a specified property.  Particularly in Andhra Pradesh, the Registration and Stamp Department is responsible for the issuance of the encumbrance certificates.

Significance of Encumbrance Certificate

Encumbrance Certificate is essential for the following reasons:

  1. An encumbrance certificate should be furnished to attain a property loan from financial institutions and banks to make sure that the land is not already mortgaged.
  2. This document highlighting the ownership title evidence will be considered essential for transferring property. If the property is not paid for more than 3 years, an encumbrance certificate is required to be produced with Village or Panchayat Officer for updating the land tax records.
  3. This certificate is necessary to withdraw PF for buying property and construction of a house.

Details Mentioned In Encumbrance Certificate

The encumbrance certificate will contain the below-mentioned details regarding the property:

  1. The encumbrance certificate will carry the name of the owner of the property.
  2. EC will also include the details of a property.
  3. This legal document will offer the complete property description as recorded in the Sale Deeds.
  4. Property related transactions will be given in the EC. The details of the transactions will be listed in order of chronology. 
  5. In case the land is bought by loan then EC will carry details about a mortgage.
  6. Details of Release Deed will also be available if one partner released his share from the property that was mutually purchased.

Applicable Fee

Fee for pursuing search and issue of Encumbrance certificates in Andhra Pradesh is enlisted below:

  1. Service provided for up to 30 years – Fee will be Rs. 200
  2. Service provided for more than 30 years – Fee will be Rs. 500

The Andhra Pradesh Encumbrance Certificate can be attained within a day.

Searching for Encumbrance Online

The applicant can find encumbrance online via Andhra Pradesh Registration Department online portal. Note: Online e-EC is available for transaction post 01-01-1983 only. Therefore in case, anyone needs EC before 01-01-1983, they must approach the SRO office concern. e-EC can be searched by Document Number or Memo Number. 

For doing an online EC search, go and visit the AP IGRS page and select the encumbrance (EC) option. Then click the “Submit” button on the next page after reading the guidelines.

Search e-EC Using the Document Number

Choose document number from the drop-down menu. Choose the year of registration and fill in the registered SRO. Enter the captcha that appears and click “Submit”. Details of the specific property will appear.

Search e-EC Using Memo Number 

Choose Memo Number from the drop-down menu. Choose the year of registration and fill in the registered SRO. Fill in the Captcha that appears and click “Submit”. Details of the specific form will appear thereafter.

Search e-EC Using None Option

In case the applicant is choosing the none option, then you will automatically be redirected to the new page. Provide the following details to get EC.

  1. SRO
  2. Name
  3. District
  4. Boundary Details
  5. Details of Building 
  6. Details of the site or agricultural land

After giving the details, enter the captcha code and click “Submit”. e-EC statement would be displayed. To get an encumbrance certificate for the property, follow the guidelines mentioned below.

Apply Encumbrance Certificate via MeeSeva Franchise

The procedure for applying the encumbrance certificate via the MeeSeva franchise are as follows:

Step 1: The applicant is required to visit the nearest MeeSeva Franchise.

Submit an Application

Step 2: The applicant is required to submit an application in the prescribed format for the encumbrance certificate at MeeSeva Centre. Offer details of the document, year of registration, and SRO name. Note: Mention the mode of delivery of EC. 

Fee Payment

Step 3: Complete the payment of the applicable fee to the MeeSeva operator for processing the encumbrance application.

EC Processing

Step 4: The encumbrance certificate request will be processed online via AP Registration Department. The applicable will get the updates of the EC application status via SMS.

Step 5: The authority that is concerned, i.e., SRO, will process the encumbrance certificate online and after successful verification, Sub Registrarofficer will approve the encumbrance certificate request.

Once the request for an Encumbrance certificate is accepted, you will receive an SMS on your registered mobile number as the application has been approved.

Obtaining Encumbrance Certificate 

Once SRO approves the request, the Encumbrance Certificate would be dispatched via courier from the franchise to the address if the Delivery Type is Speed Post Local or Non-Local.

In case delivery type in Manual, then the applicant may collect the Encumbrance Certificate from MeeSeva franchise where they have applied for the certificate.

Applying for Encumbrance via IGRS – Online

The procedure for downloading EC online via AP IGRS web portals:

Step 1: Visit Andhra Pradesh Registration and Stamp Department official webpage.

Step 2: Choose the Online EC option from the homepage. There will appear a new page.

Step 3: In case the person who is applying is not a member of IGRS, then they have to register in the portal for downloading EC. Click on the “Click here” option to register yourself.

Step 4: On the new page, the applicant has to enter the following details. Once you enter the details, click the “Submit” button further to click here option.

  • Name
  • Aadhaar Number
  • Password
  • Mobile Number
  • User ID
  • E-mail
  • Address

Step 5: The recipient will get the user credential via SMS to the registered mobile number. Fill in the username and password. The applicant will receive an OTP on the registered mobile number, enter the OTP and Captcha. Click “Submit”.

Step 6: After the applicant login to the page, from the public online services, choose the encumbrance certificate.

Step 7: When the new page appears, enter the following details to get encumbrance and click “Submit”.

  • Document Number
  • Registration year
  • SRO name or code

Step 8: Details regarding the property will appear, in that click “Next”. Signed or unsigned EC options will be displayed on the next page.

Step 9: choose the unsigned certificate option from this page, the link will redirect to the next page.

Step 10: the applicant may find an option “select all” on the left side of the page, click on that.

All the details regarding the property will be displayed. Click “Print” to download the Encumbrance Certificate.

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