So you’re buying property or applying for a loan in Kerala, and someone suddenly says “Don’t forget the Encumbrance Certificate!” And you’re like — Wait, what’s that? 😅
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Don’t worry. This guide is for you — whether you’re a first-time homebuyer, real estate nerd, or just need an Encumbrance Certificate (EC) for some paperwork. We’ll break down how to search, download, and check EC status online in Kerala — all in plain English, no boring legal lingo.
💡 What is an Encumbrance Certificate?
An Encumbrance Certificate (EC) is a legal document that proves whether a property has any legal dues or not. Like, if a flat or land has any loan, mortgage, or dispute, it’ll be recorded in the EC.
In simple words:
👉 If your EC is clear, the property has no legal issues
👉 If it shows entries, it means there’s some kind of financial burden (loan/mortgage/etc.)
This certificate is mainly issued by the Registration Department of Kerala.
🌐 Encumbrance Certificate Kerala Online – Step-by-Step
No more standing in long queues. You can now get your EC online through Kerala’s IGR (Inspector General of Registration) website.
Here’s how:
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Click on “Encumbrance Certificate” from the home page
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Select “Submit Application for EC”
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Enter property details like:
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District
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Sub Registrar Office
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Document number or survey number
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Year range (you can request EC for past few years or full period)
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Fill captcha and submit
Once submitted, you’ll see the Encumbrance Certificate status — you can either view it online, or request a PDF download version.
🔍 Encumbrance Certificate Search Kerala – Alternate Method
You can also do an Encumbrance Certificate search by:
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Village name + Survey number
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Document number (if you have it)
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Party name (buyer/seller)
The portal gives multiple search options — so even if you don’t have exact details, you can still try finding the EC.
📥 How to Download Encumbrance Certificate Kerala PDF
Once your EC is generated, you can:
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Click “View Document”
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And then choose “Download PDF”
Make sure your pop-up blocker is off — otherwise the download might not start.
📋 What Info Will the EC Show?
Your Encumbrance Certificate PDF will include:
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Owner’s name
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Property description
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List of all transactions done on that property
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Mortgage or loan details (if any)
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Document registration details
This is what banks and legal authorities will check before approving any loan or deal.
✅ How to Check EC Status Online?
To check Registration Department Encumbrance Certificate status, just:
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Go to the same portal 👉 keralaregistration.gov.in
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Click on “Track Application Status”
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Enter your application number or reference number
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You’ll see if it’s under review, approved, or ready for download
📌 Fees & Timeline
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Usually FREE to view online for a short date range
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For full-period EC or certified copy, a small fee is charged (around ₹100 to ₹500 depending on period)
Processing time: Instant to 2–3 working days depending on details and portal speed.
💡 Tips Before You Apply
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Make sure your property details are correct
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If you don’t know exact info, get it from your property deed or sale agreement
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Download and save the EC PDF for future
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Always check the EC before buying any land or house!
Final Words
Getting an Encumbrance Certificate in Kerala online is super easy these days. Whether you’re a buyer, seller, or someone applying for a home loan — this small document plays a big role in protecting your investment.
So don’t ignore it. Take 10 minutes, visit the portal, apply, and get your EC — either for peace of mind or for official needs. ✅