Why You Must Obtain a Non-Encumbrance Certificate

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When you invest in real estate, it is essential to ascertain that the land and property you plan to purchase does not have any pending monetary dues. To ensure this and have a clear property title, you must obtain a non-encumbrance certificate from the department of the Sub-Registrar of your city.

Importance of a Non-Encumbrance Certificate

Your bank will ask for a non-encumbrance certificate before granting a home loan against your property or issuing the loan for the property purchase. If you sell this property in future, the new buyer will also ask for this document.

See:- Stamp Duty on Property

Content and duration

The Non-Encumbrance certificate lists all the transactions associated with a particular property over a specified period of time. A certificate usually lists 12 years of the property history; you may demand older details, too.


How to get a non-encumbrance certificate

  • You have to fill a prescribed application form to apply for a certificate from your city’s tehsildar office.
  • A non-judicial stamp paper of Rs. 2 has to be attached on the prescribed application form.
  • An attested copy of your address, along with an application request declaring why you need the certificate, has to be submitted with the application form.
  • You have to ensure all the details of the property are accurate. These cover the survey number, the location and other such items.
  • Depending on the period for which you need the non-encumbrance certificate, the authority may require charge you differently. The certificate is issued in your local language, and if you want the language to be English, you have to pay extra charges.
  • The certificate is issued for the period beginning April 1 of the starting year of March 31 of the ending year. For example, if you apply for a certificate on April 15, 2016, for a time span of 20 years, the certificate will have a timeline from April 1, 1996, to March 31, 2016.
  • The application has to be presented to the Sub-Registrar’s Office.
  • You will receive the non-encumbrance certificate within 20-30 days.

Also Read About: Complete Guide to Property Registration in India


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