How to get Property Encumbrance Certificate online in Karnataka?

Buying a property (home/plot/land) is one of the most important decisions that you will ever make. Buying a property involves a lot of money and it is a serious money decision.

When buying a property, due diligence is essential and you have to verify a lot of property documents. One of the important documents that you need to apply and verify is an Encumbrance Certificate or popularly known as the EC.

An encumbrance certificate is important not only while buying a property but also when you are applying for a home loan or going in for a loan against the property.

The Dept of Stamps & Registration of Govt of Karnataka is officially going to launch online Property registration & other services very soon. A slew of services, under the umbrella of Kaveri Online Services are available online.

The citizens can now book slots for property registration in advance online. The government has also made encumbrance certificates (ECs) online. The State’s Stamp & Registration department has digitized records from 2003 onward, which means property buyers will be able to virtually access digitally-signed encumbrance details for a property since then.

In this post, let us understand – What is EC (Encumbrance Certificate)? How to apply for Karnataka Property Encumbrance Certificate online? What is the procedure to get EC online for the properties in Bangalore, Karnataka? Is it possible to get digitally signed copy (certified copy) of EC online? – Let’s discuss….

What is an Encumbrance Certificate?

Let us first understand, what is ENCUMBRANCE? – The dictionary meaning of the word encumbrance is, ‘a claim on property or assets’ or ‘a mortgage’. An encumbrance is a legal claim on a property that affects the owner’s ability to transfer the ownership of the property. Encumbrance means whether the properties have any lien on them, whether attached by the court, whether mortgaged or sold etc. by the owner of the said properties.

An encumbrance certificate is evidence that the property in question is free from any monetary and legal liabilities. An encumbrance certificate contains details of all transactions done on the specific property.

For example – If the property in question has a home loan on it then you can find this information when you take EC. If the current owner has acquired the property through a Gift Deed, you can verify these details in EC.

Encumbrance Certificate can be obtained from the sub-registrar’s office where the deed has been registered. (In some of the States an EC can be obtained online too.)

How to get Encumbrance Certificate online in Karnataka?

Below is the procedure to download/get EC online for properties located in Karnataka state;

  • Kindly visit Kaveri online services portal.
  • You need to register as a ‘new user’ to get EC online.
  • Click on ‘Register as New User’ option under Login section of the portal.New user registration
  • You need to provide your personal details like Name, Date of Birth, Address, PAN, Mobile number, Email Id etc., and click on ‘Register’ button.Kaveri online new user registration personal details
  • An activation code is sent to your email Id. You will also receive an SMS with same activation code and also password to login. Kindly key in the code and click on ‘Activate’ button. You can login with the credentials and change the password.
  • After login to the portal with your login name and password, click on ‘Online EC’ under ‘Services’ EC Karnataka Bengaluru Bangalore Mysore Mangalore Hubli pic
  • You have to select the duration range for EC (details are available from 2004 onwards) and provide the Property details as given in the concerned Sale Deed document. Property Details to get EC online digitally signed copy of Encumbrance certificate Karnataka Bengaluru bangalore
  • You also have to provide Property Boundary details to get EC online. Property details to download EC online
  • Check ‘Send OTP to view Document’ option. An OTP is sent to your registered mobile number. You have to key-in that OTP to view/download Property Encumbrance Certificate online. OTP to download view EC certificate online
  • Click on ‘View Document’ to download or print the required EC certificate.Download print EC online
  • Kindly note that the EC document which is generated is for information purposes only and it is free-of-cost. But, it is not a digitally signed certified copy.
  • In case, you would like to download a certified copy of Encumbrance Certificate, select the option ‘Check to apply for digitally signed EC’ option after providing the OTP and then click on ‘View Document’.
  • Click on ‘Proceed’ option at the end of the online PDF document and pay the required fees. Make epayment for online EC application
  • An online payment receipt gets generated. You can now click on ‘Refresh Payment status’.submit online EC application
  • Your online EC application gets submitted and saved under ‘Pending / Saved Application’ section for further processing. Your application for EC will be sent to the concerned authorities and will be digitally signed.Track EC online application status pic
  • You can track the status of your EC application online (select ‘online EC application’ option under ‘Service type’ from the list) and can download the signed & Certified copy of EC once it is available online.Track EC application status online download EC online bengalore karnataka mysore mangalore hubli udipi belgaum dharwad

Following are the steps as given in the portal to download or apply for EC online.Steps procedure to download EC online encumbrance certificate online karnataka bengaluru how to apply EC online

How to get Property EC offline?

  • To obtain EC offline, you need to submit Form No. 22 (application for EC).
  • You have to affix Rs 2 non-judicial stamp on the application.
  • You need to provide complete residential address and the purpose for which the certificate is required.
  • Have to provide the survey number and place where the property is located. It is important to also mention the period (how many years you want EC for?), full description of the property, measurements and boundaries of the property. (If you are applying for a home loan then your lender may need EC statement for 10 to 15 years.)
  • Enclose copies of your ID proof and residential address proof.
  • Submit the forms to the concerned officer at the SRO (Sub-Registrar Office).
  • You have to pay the required fees. The fee for EC is based on the number of years for which you would like to get the EC for. Kindly note that a fraction of a year is also considered to be a complete year. (EC is issued from the beginning of a Financial Year i.e, 1st of April)
  • The ‘search fee’ for 1st year can be in the range of Rs 15 to Rs 50 and for every additional year there can be fee in the range of Rs 5 to Rs 10 (approx). (The fee can vary from State to State. Generally it is very nominal.)
  • The time taken to get EC statement is around 10 to 30 days.

Personally, I have observed that in most of the property deals, it is either the financial institution or a real estate agent or an agent at SRO who applies for an EC. Most of the times, the agents charge EXTRA amount to get the EC for you within 24 hours 🙂 .

Online Property Registration & other services

Besides online EC service, you can also avail other services like online Certified Copy of Sale Deed/Registration document, prior appointment for Property registration facility etc., by visiting Kaveri portal.

Continue reading :

(Image courtesy of Stuart Miles at (Post first published on : 12-November-2018)

  • Anuj says:

    While applying online form 17 is downloaded while registrar office issues form 15. Is form 17 accepted for khata transfer?

  • Rajat Tyagi says:

    Thanks for sharing all important information about how to view EC online..

  • Joseph Mathews says:

    Hi very informative post, wanted to register on kaverionline, however the site has been under maintainence for over 60 days or so. Good article though.

  • Raja says:

    I attempted to get EC online. Each time after filling in data asked for in the application, I see a label “Error in application “. No specific paragrpah is indicated as faulty. How do I ensure that details filled in are correct?

  • Vadi says:

    I tried applying for EC online. But when I saw a pdf appearing “This is for information purpose only” I see my name missing a letter. But sale deed has proper name and no mistake, yet Online draft EC shows a missing letter. Any idea what should I do? Apply offline so that I get right name on EC? or apply online and get it in 2 to 3 working days and then get it corrected at SRO ?

    • Sreekanth Reddy says:

      Dear Vadi,
      Can be due to a clerical data entry mistake.
      Contact the concerned SRO and get it corrected.

      • Vadi says:

        Yea sure Sreekanth … Thank you for answering query…. your blogs have been of great help … from participating in bid to Registration of property… Thanks a lot.

        • Sreekanth Reddy says:

          Glad to know that you find my blog posts to be informative.
          Keep visiting ReLakhs!
          Kindly do share the articles with your friends!

  • Guravareddy says:

    Thank you very much Sreekanth Reddy and Info is very much helpful

  • Prashanthakumar says:

    how manyb days take for get digital signed EC

  • Jitesh says:

    Thanks a lot for this information on online EC!

  • K.S.Madhavi says:

    sir,when iam trying to apply through online,there is no viewoption and no column to opt for otp option.kindly help.

  • Usha says:

    Thanks so much for the very informative post on getting an EC online. I succeeded in downloading my signed copy of the EC.

    Having procured the necessary documents I applied for the khata transfer. The bbmp official says the downloaded EC is the not the correct one and that it is only a report. The heading says Form 17 and not Form 15. I am a little confused here and do not understand the difference. Please shed some light.


    • Tanu says:

      Hi Usha,

      Having the same issue, the sakalakar portal asks for an EC form 15, while the one getting obtained through the kaverionline portal is the form 17. Tried twice, got the EC with Form 17 both the times. Please help if you have any info.

  • Vineetha S A says:

    Our house registration during the year 1993-94. In the kaveri online website,I don’t see the option to select these dates.
    Request u to let me know how can I get the EC in this case.
    Please help

  • Kesavel M says:

    I had appiled for online EC on 20.01.2020…got digitally signed document on 15.02.2020. i got sms confirmation from kaveri ..that digitally signed document is uploaded.

  • Arun Edwin says:

    Got one SMS saying Document—is been signed by SDA and uploaded, but there is no option to download the document.
    If anyone knows about downloading link, Please sent it to me

  • Ganesh says:

    Never got a response from Kaveri Services Phone No, nor do they respond to emails. Is there any other way to get the document approved online.?

  • Anon says:

    where to download signed and uploaded copy of EC on this KAveri site

  • NS says:

    Hello Sreekanth,

    first of all thanks for the detailed post. It really helps.
    A still question: my application also (like many others) shows prepared & signed, but I can not download it yet. I will wait for 2-3 days.
    But then, what will the final document show? Because in the preview window it just shows the field number and has no Encumbrance. Will the signed document contain the property number so that for e.g. Khata transfer proecudure accepts it?


  • GP says:

    Hello, I had applied for EC through Kaveri website by making the necessary payment. I see the application status as “EC Preparer Signed & Uploaded” for the past 1 week. However, the EC doesn’t look updated. It has “For your Information” watermark and doesn’t look current. How should I proceed next? I don’t see any “contact us” option on the website. Any help or suggestion is highly appreciated…

  • annapoorna says:

    i also applied for online ec on 21/06/2019.
    still the status is Ec comparer singned and uploaded.
    still downlod digital ec is not come.
    its already 10 days.
    how many days to wait i dont know.
    what will be the final status and where to download?.
    Will it take longer time?

  • Neha says:

    I have recently registered one flat in a reputed apartment. While entering details of property like boundaries, measurements, is it meant for entire property or my individual flat. Please guide as I could not find my individual flat boundary details in sale deed

    • Sreekanth Reddy says:

      Dear Neha,
      EC gives you details for your individual Flat. Try providing the other available option details online..If not successful then you may have to visit the Sub-Registrar office and get a physical copy of EC.

    • Rajaneesh says:

      Please select the option as person name then you need to know the village and sale deed dat.

  • Kannan says:

    I have applied online EC thru Kaveri online service a month ago and paid the charges online thru net payment. but still the application is shows is not yet submitted. please let me know the customer care number of kaveri online or how to proceed further to get EC thru online.

    Thanks in advance

  • kumar says:

    Initially i tried with one option (khatha No.) then i received Nill Encumbrance for this period, then i gone through ypur article and comments i tried with several options then i got the EC. Thanks for guiding us.
    For your information i am the 3rd person who i brought the plot on 2013, now my question is downloaded EC having information only from 1st person to 2nd person that is on 2010 and there is no information from 2nd person to 3rd person that is on 2013. So please let me know this information (that means 2nd person to 3rd person, me) should appear in EC right? Please clarify
    If yes how should i get this in EC?
    thank you for your quick response.

    • Sreekanth Reddy says:

      Dear Kumar,
      Yes, 2nd (Seller) Person details should be there.
      Do you have the Mother Deed (1st owner) and Link Deed (2nd Owner) in Originals with you?

      • kumar says:

        Dear Sreekanth,

        Thank you for your quick response.

        Yesterday i again checked the sale deed and found that khatah number has been revised and based on that i checked in online it shows my name.
        I have one question, details of history will not come in this EC, because i can see only the transfer from 2nd person to 3rd person that is me, how about 1st person to 2nd person transfer details, individually i need to take right? Please confirm.

        This site EC extract works is only for Bangalore area or any place in Karnataka?

        Thank you

  • Srinivas says:

    Hi Sreekanth,

    Thank you for the steps provided to view/obtain EC. I tried the above steps to view EC by giving the correct details as mentioned in sale deed but I’m getting a Nil encumbrance certificate only. FYI I have encumbrance certificate for the same site but via online I’m not able to view. Kindly help how to go forward.

    • Sreekanth Reddy says:

      Dear Srinivas,
      You may try with difference combinations of property details (based on the details given in the Sale deed) to get the online EC.

  • Rahul says:

    Hi Sreekanth, i need some information regarding online EC. Possible to share you email?

  • Rakesh says:

    hi what are the different property types and when i select survey number it doesnt show any details, but if i choose katha number it shows results.
    For an apartment which property type should be used to get the results for only that apartment?

  • Kannan says:

    Hi Sreekanth, Good Evening. I have applied EC online thru Kaveri online service on Feb 4th 2019 and followed the procedures as stated above. I also paid the prescribed fee thru online. but i did not get the E-signed EC till date. May i know usually how many days the dept took to process / issue the E-signed EC.

  • Muthu Krishnan V says:

    Registration page says “Alert: IFSC Code is required.”

  • prasad says:

    Hi Sreekanth, Good Morning. I applied EC and followed the procedures as stated above. now it showing EC prepared and uploaded. Whereas there is no link nor not able to view the EC? is it any issue or still I have to wait to get the link.

  • Ashok says:

    Thanks Sreekanth for the info. Today,I had applied for online EC and paid the prescribed fee how ever was unable to get any link to download. I thought of raising complaint but your site helped me to locate the information where i can see the status of application. Bit relaxed now. I am waiting for them to upload the document.

  • Prashant says:

    I tried this Kaveri portal for my Flat. Under property details, I see multiple options, I tried Survey no, PID no etc and also tried survey no and flat no together but still no luck. It shows blank. All details I took from sale deed. Any help?

  • Nishant says:

    Thanks for the Article Sreekanth.
    Are these online services really work as per expectation or Registrar office doesn’t give priority to online application ? Have you come across anyone getting their registration done using online services?

    • Sreekanth Reddy says:

      Dear Nishant,
      As of now, I didn’t come across anyone getting the online registration done. I dont think the entire Registration process is offered via online, it is just that you can book ‘prior appointment’ through online for the Registration of your Document at the concerned Sub-Registrar office.

  • guest says:

    I had filled all the details and paid the necessary fee, Status show as “EC Been Prepare” from last 2 days. is it still pending?

    • Sreekanth Reddy says:

      Hi..You may have to wait for few days and once they upload it, can download it..

    • Nishant says:


      Did you get your document and did they ask for “Unofficial Fee” for same ?
      EVen i am planning to get my flat registered but not sure whether to get it done offline or online.

      Thanks in advance.

  • Prabhu says:

    I have completed all above steps, but can’t see download option. Could you pl help to share the steps to download EC after making the payment (I did rcv a sms from portal saying that signed EC is uploaded).


    • Sreekanth Reddy says:

      Dear Prabhu,
      Mostly, the dept might not yet uploaded the signed copy, you may wait for sometime and then try.

      • Prabhu says:

        Thanks Sir. It is working now.
        It took time to upload

        • Pavan says:

          Prabhu, even my application status shows “prepared and uploaded”. How much did it take to get the download link to appear? What kind of status or SMS do you receive when the EC can be downloaded? These information would help a lot as they’re not clear to many who apply online.
          Thank you.

        • sushanta sen says:

          Hi Prabhu
          Where did you find the digitally signed copy of EC to downlload?
          Please respond.Same issue with me as well for past 1 week i am waiting


    • Rajaneesh says:

      Three signs should be done, Preparer, Supervisor and Registrar. Then only it will be available for download

  • vidhi says:

    Thanks for the information sir, it’s really a nice article.

  • krishna says:

    Is EC Online on Kaveri Online working really?
    Above screen shot shows that there is empty in both sellilng party and buying party in addition to property details. I also got the same online same as above with everything empty. Looks like it is not working??? can you plz confirm?

    • Sreekanth Reddy says:

      Dear krishna,
      Yes, the online facility is working fine. You need to give the required (correct) details to get the EC online.

      • Guest says:

        For BDA flat registration done 2months back and MOD done to bank but when I check online it’s coming nil encumbrance what option should I select . I have tried by flat no. Sy no. Nothing works any idea…

  • priya says:


    Thank You, for such useful information.
    Really helpful artical.


  • Ajay says:

    thanks Very very useful info

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