How to obtain and file up Form 22 for Encumbrance Certificate?
An Encumbrance Certificate (EC) is an official document issued by the state government that the property you own does not have any past dues or any financial and legal liabilities. It makes sure that the property can be sold as a free title with unconditional ownership.
There are primarily two ways you can apply for an Encumbrance Certificate. The first one is to obtain a copy of Form 22 from the local registration office, and the second option is to apply for an EC online. We suggest going for the latter as it is hassle-free and nowadays no one applies for an EC on registration booths.
Here’s a small sample of Form 22 encumbrance certificate :
It is easy to get a lawyer to fill and process the form. You just have to ensure that the following criteria are met:
- Provide a photocopy of any previously executed deed of the property in-question. This includes release deeds, sale deeds, gift deeds, partition deeds, etc. Details and name of the deed being included need to be mentioned in the form
- The names of the two parties involved in the deed need to be entered clearly.
- Property description, address, village name, etc, should be provided accurately. The description of the property is the same as the complete schedule of the property mentioned in deed copies.
- The application should clearly mention the time period for which the EC has been generated.
In case there is any discrepancy in Form 22, Form 16 will be generated instead of Form 15 (the actual EC). Form 16 is the Non-Encumbrance Certificate (NEC), which shows that there are no past dues associated with the property, when the case could be otherwise.
Instead of the long hard way, it’s better to register online. Just log onto the local government registration portal and select the option to apply for Encumbrance Certificate online. Here’s what application process looks like in Kerala. The portal, in this case, is http://keralaregistration.gov.in.
The applicant chose “Submit Application for EC” under “Certificates”. Subsequently, a form window will open where you have to enter details such as the sub-registrar’s office, district, applicant’s name, house no, mobile no, etc.
Next, you will have to enter the same particulars a printed Form 22 would need. This encompasses resurvey numbers and property boundaries.
Once the form has been filled, click “Submit Application”.
You’ll be able to keep track of your application with a reference number. The average processing time for an EC is 2-3 days. Good luck!
Got questions? Let us know in the comments!