EC stands for Encumbrance Certificate.

It proves the property has no pending loans or disputes and verifies ownership.

Usually 3–7 working days, depending on the Sub-Registrar’s Office.

Yes. You can apply, pay, and download it completely online.

It is valid until a new transaction—such as sale or mortgage—is recorded.

A Nil EC means there have been no financial or legal transactions during the specified period.

Yes, EC applies to both plots and built properties.

You must clear the pending dues or resolve disputes before proceeding with registration.

Yes. Every bank requires EC before approving a housing or mortgage loan.