What is Encumbrance Certificate (EC)?
By Property Point Advisory·Updated September 2026
In short
An Encumbrance Certificate lists all registered transactions on a property over a period — sales, mortgages, liens. A clean EC (usually 13–30 years) confirms the title is free of dues and undisclosed loans. Get it from the sub-registrar or the state portal.
Good to know
Questions buyers ask
What does Encumbrance Certificate (EC) mean?
An Encumbrance Certificate lists all registered transactions on a property over a period — sales, mortgages, liens. A clean EC (usually 13–30 years) confirms the title is free of dues and undisclosed loans. Get it from the sub-registrar or the state portal.
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