Encumbrance Certificate (EC) — Complete Guide for Karnataka
Quick Answer: EC proves a property has no outstanding loans, legal disputes or encumbrances. Always get EC for minimum 15 years before buying property. Available online via KAVERI 2.0 for ₹35–₹50 per year searched.
An Encumbrance Certificate is an official document from the Sub-Registrar showing all registered transactions on a property — sale deeds, mortgages, legal charges, and gifts. Form 15 EC shows all transactions. Form 16 EC (nil EC) means no transactions in the requested period. Any bank loan against the property will show in the EC.
Getting EC Online (KAVERI 2.0):
Visit kaveri2.karnataka.gov.in
Register/login as citizen
Click "Encumbrance Certificate" → "Search EC"
Enter Survey Number OR Registration Document Number
Select period (minimum 15 years for purchase)
Pay ₹35 per year via online payment
Download digitally signed EC immediately
KAVERI 2.0 — kaveri2.karnataka.gov.in (online EC — most reliable)
Sub-Registrar Office — Physical EC with raised seal (for loans/courts)
DigiLocker — store your EC securely after download
Survey number OR prior registration document number
Village/taluk/district of the property
Period to search (ideally from 2009 or earlier)
Payment via net banking/UPI (₹35/year)
Check if Form 15 or Form 16 EC is issued
If Form 15 — read all entries carefully for any mortgage/charge
Cross-verify EC entries with sale deed chain
We help Real Estate businesses grow
You found the resource — now let us handle the marketing, tech, and growth.
🎯
Google Ads
Get in front of buyers actively searching for your service. We run ₹1L–₹50L/month campaigns with full tracking.