What Is an Encumbrance Certificate (EC)?
An Encumbrance Certificate is an official document that shows:
- Property ownership history
- Loans taken against the property
- Mortgages or legal liabilities
- Sale transactions registered
Why Checking EC Is Important Before Buying Property
Before paying any advance amount, always verify the EC.
Here’s why:
- Confirms the seller is the legal owner
- Ensures no bank loan is pending
- Protects you from fraud
- Required for home loan approval
How to Check Encumbrance Certificate (EC) Online in Haryana
You can check property details through the official Jamabandi portal.
Step 1: Visit the Official Website
Go to the Jamabandi Haryana Portal.
Step 2: Click on “Jamabandi” or Property Search
On the homepage:
- Select your District
- Choose Tehsil
- Select Village
You can search by:
- Owner Name
- Khewat Number
- Khasra Number
- Property ID
Step 3: View Property Transaction Details
Once you enter the details:
- The system will show ownership records.
- You can check registered sale deeds.
- Look for any loan or mortgage entries.
Step 4: Download or Print the Record
You can:
- Download the details
- Take a printout for reference
How to Apply for Official EC in Haryana
If you need a certified copy:
- Visit your local Sub-Registrar Office.
- Submit application with property details.
- Pay the required fee.
- Collect EC after processing.
Processing time usually takes 3–7 working days.
Common Mistakes to Avoid While Checking EC
- Entering wrong Khasra or Khewat number
- Ignoring old loan entries
- Not checking transactions for last 15–20 years
Conclusion
- Checking the Encumbrance Certificate online in Haryana is simple and free. It takes just 10–15 minutes but can save you from serious financial trouble.