Sample Letter to get Encumbrance Certificate (EC) of the property

What is Encumbrance Certificate (EC)? How to obtain Encumbrance Certificate of the property from Registered or Sub-registered Office from the respective Area? What is the advantage and disadvantage of EC / Khata etc?. Find here the tips and tricks to get EC from Government's Registrars office.

In these days, Encumbrance Certificate (EC) from Government office or Registered office or Registrar's office or Sub-Registrar's office helps for many good reasons while dealing the property without which one can face the property dispute or trap in someone's fraud activity despite going through the legal process.

What is Encumbrance Certificate (EC)

Some says it as an EC in short form, some says as Khata and some says in a different word/s in their respective regional languages. However, EC helps to identify the real owners of the property at the moment and the property history detail in chain from previous owners too. Also, it might reflect loans amount taken if any beside other property related history.

This is the important document for originality of the owners detail than Registered Document since any fake Deed (Sale Deed / Gift Deed / Other Deed) can be made against any property to cheat people. So, it is better to be cautious while dealing the property matter/s and it is better to try to obtain the EC before investing and buying any property to avoid property disputes and legal issues.

The Encumbrance Certificate (EC) definitely helps to identify the real property owner's history than fake one as we can see so many fake property document arises to cheat and legal dispute accordingly.

Advantage of Encumbrance Certificate (EC)
Accurate information of the property in EC
Help to cross check EC against the property's registered deeds
It alert to know whether property's registered deeds is right or fake before investing itself
It can show sometime if there is any loan against the property
Completely safe and benefit if obtaining EC
Nominal Fees to apply to know the history of the property

Disadvantage of Encumbrance Certificate (EC)
Anyone can apply for the EC for the same property to check the detail
It is not an easy to get EC immediately from the Registered or Sub-registered office and it takes time after applying it
Extra detail has to be given while applying for it
Fees or sometime additional fees required to process it

Sample letter format to apply for Encumbrance Certificate (EC) at Registered office

(Your Name, Address, Contact number)


The Officer,
Register (or sub-register) office,
Address: (to be filled-in based on the office location)

Dear Sir / Madam,

Sub: Encumbrance Certificate (EC) for the Property

With reference to the above subject, I would like to apply for the Encumbrance Certificate (EC) with the following property detail.

[Kindly state the property detail, like Address, measurement including East, West, South and North with identification of the neighbors].

(Note: Nothing to worry in case if you don't know the complete property detail as the officer will help to get it done upon address of the property is given. It will be a best option in case if you give the East / West detail and neighbor owner info of the premises area to avoid few questions from the authority).

I have filled the EC application form, a letter and required fees as per your office instruction and guideline. Kindly assist me to process the above detailed EC and furnish me two original copies of the same (you can even apply for just one copy as well).

Thanking you,

Your's Truly,
(Your Name and Contact detail - this letter has to be attached with the application form of EC).

Tips: It is better to write application form in a simple manner at home and keep other blank white paper to modify at the Registered office. It is also the best idea to get at least one copy of EC by paying nominal fee and take copies of the original later.

Article by Hafeezur Rahman P
Hafeezur Rahman has joined ISC in 2009 and he is a Job Editor at ISC since 2010, he also a Blogger. Hafeez continue to contribute in various sections of ISC and its sister sites like Techulator, NewRecruitments & Goaspider etc. He is a renowned feature writer & social enthusiast. He loves to write in a simple manner and share his visionary write-ups with the readers on the topics related to his field of interests and different niche. All his write-ups have been popularly read & shared by global readers.

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Author: Venkiteswaran24 Mar 2019 Member Level: Gold   Points : 2

Nowadays there are prescribed forms and formats for all these types of services. Most of them have been digitalised and can be applied online. We do not need to write long letters for such matters now. In Kerala 'Akshaya Centers" are authorised to facilitate these type of services for a small fee.

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