Telangana Encumbrance Certificate: Secure your property

Becoming a house owner has its own journey to enjoy. In addition to acquiring the money for the real estate, it’s critical to see whether there are any problems or legal issues around the property. On the other hand, you probably want to know how ordinary individuals can gain this sort of data. An Encumbrance Certificate is an official record containing details regarding any payments made on the real estate in question. Before making a real estate purchase, one must be well-informed about this certificate.

In this blog, we will discuss the Telangana encumbrance certificate, its purpose and objective, the different procedures for applying, downloading, and checking the application status, the important documents required for the certificate, and what details are included in it.

Meaning of Encumbrance

In simple words, encumbrance means the charges on the property or assets such as mortgage or other claims. The encumbrance certificate acts as proof that the asset or the property is fully owned by the person. It acts as legal proof and an assurance that the property or asset has no financial burden on it. It is one of the vital documents to look into at the time of buying a property.

This certificate plays a significant role in transactions related to property. This certificate acts as a solid proof of the ownership of the property. It ensures that the person buying the property does not get liabilities attached to the property. If there are any outstanding liabilities attached to the property, then the buyer can be made aware of them and take action accordingly. 

What is a Telangana Encumbrance Certificate?

The Telangana encumbrance certificate informs whether the property has any outstanding liabilities, i.e., encumbrances. It provides all the information related to the transactions taken in the past by the government. You can get details for Telangana up to the year 1983. The data before this year is in the process of digitization. It acts as an essential document in real estate in Telangana. 

The sub-registrar of the state of Telangana issues the Telangana encumbrance certificate for the state. The online portal of Telangana state is the platform from which can be used for applying for the certificate. It plays an important role in the sale, lease or mortgage of the properties in Telangana. 

Types of Telangana Encumbrance Certificate

There are two types of Telangana encumbrance certificates. The encumbrance certificates are for urban lands and agricultural land. The certificate for agricultural land before the year 2020 can be obtained on the IGRS portal, which is the Registrations and Stamps Department. The certificate after the year 2020 can be found in the Department of Revenue. The portal is known as the Dharani portal. The certificate, in the case of the urban land, can be availed and generated from the IGRS. The portal can be used for downloading the certificate for the same. 

Where is the Telangana Encumbrance Certificate used?

The significant uses of the Telangana encumbrance certificate are:

• The primary use of the certificate is at the time when the property is being sold or purchased. The certificate is one of the essential documents of the property.
• The certificate is used to show as proof regarding the property that there are no liabilities in question.
• This Telangana encumbrance certificate is also very useful in getting all the information related to the property and its transactions.
• At the time of applying for a home loan, the certificate can also be used.
• The certificate is also very useful at the time of mutation of the property.
• The certificate is often required at the time of withdrawal of the employee’s provident fund, which is for buying the property. 
• The certificate is also utilized if the property is a part of some litigation process or any other legal disputes.
• When the land records are to be updated by the office of the village or the panchayat, at that time also the encumbrance certificate is useful.
• The certificate also acts as an assurance at the time of sale of the property.
• The clear title of the property can also be verified with this certificate.
• Many a time, this certificate is also used for market research by property brokers as well as investors.

What is the Objective of the Telangana Encumbrance Certificate?

The main objective of the Telangana encumbrance certificate is to verify the status of the property, and this is done by the publicly available document, which is the encumbrance certificate. This certificate gives a detailed description of the property and all the specifics of any outstanding liabilities or not. In other words, it informs us about any guaranteed obligation and any rights that could restrict us from fully using the rental property or house.

Anybody can offer this document as proof indicating the property is free from all of the restrictions mentioned above. Therefore, it is customary and, in certain situations, required to take action related to the property in order to purchase or sell it, apply for a loan to mortgage it, lend the structure, and more. 

Details in Telangana Encumbrance Certificate

The content of the encumbrance certificate holds great significance. All the vital details in relation to the property are mentioned in the certificate. The details in the Telangana encumbrance certificate are:

• The first important detail that is mentioned is the name of the property holder. 
• All the related documents and the property transactions in relation to the property in question will be included in the certificate.
• All the property details
• If the property was purchased on loan, then the details of the mortgage.
• All the details of the parties that are involved in any transaction related to the property.
• All the details that are mentioned in the sales deed.
• The certificate also included maps, addresses, and other similar details about the property.
• If the property was given as a gift, then the details of the gift deed.
• If the land is being bought on the mortgage, then the details of the mortgage.

The records of the transactions at the office of the registrar:

Include:

• Release deed
• Gift deed
• Partition deed
• Sale deed
• Deed of mortgage
• Deed of settlement
• Court attachment order
• Receipt of the discharge of mortgage

Exclude: 

• Lease for short term
• Testamentary document

The key details in the encumbrance certificate are listed above. When information is required on the details mentioned above, we can apply for an encumbrance certificate. 

Who Applies for Telangana Encumbrance Certificate?

Following are the entities and individuals that can and most of the time apply for the encumbrance certificate in Telangana:

1. The owner of the property 

The property owner applies for the encumbrance certificate. 

2. The prospective buyer

Whoever is interested in buying the real estate can be an entity, or an individual can apply for the certificate. This certificate will help them in finding out whether there are any outstanding liabilities attached to the property or not. The certificate ensures the property has a clear title before the purchase takes place.

3. Authorized representative

The authorized representative of the prospective buyer can also apply for the certificate in order to make sure that there are no financial risks attached to the property before purchasing the same.

4. Lending institutions

Financial institutions or the banks can also apply for the certificate of they are dealing with a case of mortgage or someone is taking a loan. The records and the details which are obtained with the certificate help the banks and financial institutions in making decisions for the same. 

Telangana Encumbrance Certificate: How to Apply Online?

The encumbrance certificate can be applied on the online portal. Following are the steps which are to be followed for applying online for the certificate:

Step 1: The application process for the encumbrance certificate starts with visiting the online portal. 

Step 2: On the left side of the homepage, there will be a dropdown list from which the option of ‘government forms’ is to be selected, which is under the option of ‘other links’.

Step 3: A new page opens after clicking on the ‘government forms’ option. Now you have to choose the option – Meeseva Services. This option will be visible on the top left side.

Step 4: After clicking on the ‘Meeseva services’ option, a page will open with all the services that are provided under the Meeseva. The categories of employment, election, agriculture, etc., will be viewed.

Step 5: There will be a registration option. You have to select the registration option, and under that option, you will also find the Encumbrance certificate.

·Step 6: The page with the link for downloading the application for the certificate will appear on the screen. Download the application for the certificate.

·Step 7: You will now have to fill in all the required details along with the documents that are to be attached to the application.

·Step 8: After filling out the form, the applicant can visit the Meeseva office near to the area in which they work or live.

·Step 9: At the time of submission of the form, a fee is also to be paid along with it at the Meeseva center itself. In return, the centre will provide an acknowledgement receipt. Keep this acknowledgement receipt safe, as it will be useful in the later stage. 

·Step 10: The officer at the Meeseva center will go over your application, and if everything is right and as per the requirement, the form will then be forwarded to the office of the sub-registrar for further verification.

·Step 11: After the whole procedure ends, the applicant will be informed through a text message about the status of the application made. It takes around a week to complete this verification process. 

Benefits of Online Telangana Encumbrance Certificate

There are numerous benefits to applying for an encumbrance certificate online on the Telangana government portal. Using the government portal, you can very easily fill out the application online to avail yourself of the encumbrance certificate. The three primary advantages are:

1. Convenience: 

The best benefit of applying online is the convenience. The applicant will not have to visit the authority or the sub registrar’s office in physical form. They can obtain the certificate from wherever they are. The certificate can be obtained at any time and from any place. The applicants can avoid the time-consuming process of standing in lines and travelling to and fro. The applicants’ energy and time can be saved to a great extent. 

• Transparency: 

You are able to accurately and transparently obtain your encumbrance certificate online. Additionally, you can examine the information about the writer of the certificate along with the office of sub registrar online. The online facility also helps in computing the cost of stamp duty as well as registration costs, along with verifying the approximate worth of your land or property.

• Security: 

The online application also helps maintain security and secrecy. The online platform secures and encrypts your financial and personal data. The Registration Department also confirms and authenticates your certificate. Complete secrecy and security are available while obtaining the encumbrance certificate online. 

Telangana Encumbrance Certificate: How do you Apply Offline?

The steps for applying for the encumbrance certificate offline are slightly different from those for the online procedure.

·Step 1: To apply for the offline certificate, you must visit the sub-registrar’s office physically.

·Step 2: The next step is to complete Form 22 according to the requirements along with the documents. 

·Step 3: Submit the form along with the essential documents to the office. 

·Step 4: A reference number will be provided after you submit Form 22, which will be useful in the later stages for tracking the status of the application. 

Documents Required for Obtaining Telangana Encumbrance Certificate

Below mentioned are the important documents that are to be used at the time of applying for the certificate:

• Address proof
• Aadhar card
• Identity proof – driving license/voter ID/passport
• Utility bill for the last 3 months
• Property details
• Address proof of the applicant
• Registration documents of the property
• Certificate of partition – if applicable
• Gift deed
• Sale deed
• The title deed of the property

Telangana Encumbrance Certificate: Form 15 and Form 16

There are two key forms utilized in the Telangana encumbrance certificate application. The two forms are:

• Form 15
• Form 16

1-    Form 15

Properties recorded in accordance with the law governing registration are eligible to receive this sort of certificate. All transactions pertaining to the property, such as sale deeds, mortgages, rental agreements, and other types of encumbrances, are included on the Form 15 encumbrance certificate. It acts as proof of the rightful proprietor and legitimate ownership of the asset in question, assisting people in confirming the title of a property prior to trying to buy or sell it.

2-    Form 16

Properties that have not yet been listed under the Act governing registration are awarded an encumbrance certificate in Form 16. It offers details on any ongoing activities or liabilities related to the property, including lawsuits, mortgages, and sale agreements. Prior to finishing the process of registration, people can evaluate the real estate’s legal standing and associated risks with the aid of Form 16.

The Telangana Registration and Stamps Department’s online portal or the relevant offices of the sub-registrar are the places to get encumbrance certifications for Forms 15 and 16. Because they guarantee the legitimacy, legality and transparency of the property’s title, these documents are essential to real estate transactions. To protect their financial interests and avoid potential legal issues, people should get an encumbrance certificate before completing any real estate deal.

How to Track Telangana Encumbrance Certificate Application Status?

In order to track the encumbrance certificate application status:

1. The first step is to visit the Meeseva site.
   1. Go to the option of Encumbrance Search.
   1. Choose the year and the category of the registration.
   1. The encumbrance certificate application status will now be available.

Occupancy Certificate v/s Telangana Encumbrance Certificate

The occupancy certificate is the certificate that acts as proof that the property is fit for residence by the people. The local government and their agency issue this occupancy certificate to ensure that the property is safe to reside in. 

While the encumbrance certificate is a certificate that depicts the details of the property and the transactional history of the same, it shows whether any legal or financial liabilities are attached to the property or not.

Telangana Encumbrance Certificate: Information Not Included

Despite containing my information related to the property, there are some details that are not included in the certificate. The information not included in the encumbrance certificate is:

1. The certificate will not contain any information on the agricultural land. These details can be available with the revenue offices but not in the certificate. 

2.The details on the current legal cases going on the property will also not be included in the certificate.

3. If the property is in a prohibited area, then the information regarding the same will also not be available in the certificate.

4. The details on the stamp duty and registration fees are also not included as they might change from time to time. These fees can be counted at the time of registration. 

In the Nutshell

In the state of Telangana, the encumbrance certificate is a very vital document for real estate-related transactions. The certificate can be obtained, downloaded and tracked on the portal itself. The online portal is very convenient for the applicant to use. The Meeseva portal is easy to access and ensures a secure application process. With this blog, you can get a detailed idea of the Telangana encumbrance certificate and the process for its application. For property registration assistance, reach out to our experts.

Frequently Asked Questions