Registration Department is one of the oldest departments in the state and it touches citizens at all levels at some time or other. The main objective of law of registration is to provide a conclusive proof of genuineness of document, afford publicity to transaction, prevent fraud, afford facility for ascertaining whether a property has already been transacted and afford security of title deeds and facility of providing titles in case the original deeds are lost or destroyed.
Serviced provided by Registration Department are Application for Re-Issue of Marriage Certificate, Document Registration, Queries – Document View, Queries – View Gahan User Details, Queries – List, Queries – Search, Queries – Stamp Duty Calculator, Queries – Document Writing Fee, Gahan Login, Registration Form, Digitally Signed Encumbrance Certificate etc.
The online platform of the Kerala Registration Department provides various property-related documents, like stamp duty and registration certificate, mutation papers and Encumbrance Certificate (EC), among others. In total, over 40 services are offered to the citizens. Here is a complete guide to accessing the facilities offered on the State registration portal.
Registration Department is one of the oldest department in the state and it touches citizens at all levels at some time or other.
The main objective of law of registration is to provide a conclusive proof of genuineness of document, afford publicity to transaction, prevent fraud, afford facility for ascertaining whether a property has already been transacted and afford security of title deeds and facility of providing titles in case the original deeds are lost or destroyed. Registration department at present is the third largest source of revenue to the state exchequer, the first two being sales tax and excise. Registration law governs documents rather than transactions.
Encumbrance Certificate in Kerala
The Encumbrance Certificate (EC) is considered as an important and mandatory document, for property registration in Kerala. The document signifies that the ownership of a property is completely free from any legal complexities.
To obtain an EC online, a user has to submit his application online and pay the associated charges, to download the certificate.
Here’s a step-by-step guide to obtain your EC:
How to apply for Encumbrance Certificate in Kerala
Step 1: Visit Kerala Registration Portal
Step 2: Click ‘Certificate’ from the top navigation menu.
Step 3: Click ‘Encumbrance Certificate’ from the drop-down menu and choose ‘Submit Application for EC’ in the follow-up menu
Step 4: Fill all the details required and make the online payment.
Guidelines for filling up the form
Provide your working mobile number in the application to receive SMS.
For online payment, enter the applicant’s details in English only and secure the transaction ID and GRN generated for checking status.
The fee is non-refundable. Furnish all details carefully, as the department will not take any responsibility for incorrect/incomplete certificates, due to the mistakes in the application.
If you would like to get priority for certificate generation, click on the option ‘Wish to get Priority?’. You would need to pay double the usual fee for this option.
Certificates are generated in Malayalam by default. If you want the certificate in English, mention the same in the ‘Needs Certificate’ field.
You will be informed via SMS at the time of successful submission, generation and issue of certificate, on the provided mobile number. You can view your certificate when you get the ‘Your certificate is ready for download’ SMS.
What does an encumbrance certificate contain?
An encumbrance certificate contains all the transactions that have been made regarding the property in a specific period of time. Individuals can get an encumbrance certificate for up to 30 years. However, if people take an encumbrance certificate for a specific period, they will receive a record of the transactions made during that period only.
Importance of encumbrance certificate
An encumbrance certificate can help to establish that the property a buyer buys does not have any liabilities, whether financial or non-financial, such as loans, leases and the like.
An encumbrance certificate is required, not only to assume the title of the property officially but also to access details pertaining to different loans like loan against property and the like.
An encumbrance certificate helps in the mutation of property.
It provides details and updates on land tax records and helps in checking whether taxes are being paid regularly.
An EC is useful to deduct or withdraw provident fund for buying a property or constructing a new house.
Different kinds of encumbrance certificates
Encumbrance certificate can be broadly classified into two categories:
Form 15: This form is provided when there is an encumbrance for the mentioned period. This form also states the nature of the property – whether it is a gift, partition, lease and the like. It also mentions the parties involved in the property and maintains records of various other details in a systematic way with dates.
Form 16: This form is also known as a nil encumbrance certificate. This is issued when there is no encumbrance for the mentioned period.