Prakriya

How to Apply for and Download an Encumbrance Certificate (EC) Online on Kaveri 2.0, Karnataka (with Screenshots)

Where this applies: All of Karnataka: every Sub-Registrar office uses Kaveri 2.0, e.g. Bengaluru, Mysuru, Mangaluru, Hubballi-Dharwad, Belagavi, Kalaburagi, Tumakuru, Shivamogga, Davanagere, Ballari.

Time
About 15 minutes online, then 3–4 days for approval
Difficulty
Easy
Verified on
Last worked for a reader
…
Portal
kaveri.karnataka.gov.in
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Quick answer: Log in to Kaveri Online Services with an OTP and choose Start a new application → Encumbrance Certificate (Online EC). Enter your property's district, taluk, hobli, village and eAASTHI PID, pick the period, check the preview and pay the small fee on Khajane-II. After about 3–4 days, log in again to check the status and get your digitally signed EC.

In every screenshot below, the button or field you need is marked with a red box.

Before you start

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Labels you'll see

On the portal (Kannada)Means
ನಮೂನೆ 16Form 16: certificate of nil encumbrance (no registered transactions)
ಸ್ವತ್ತಿನ ಮೇಲೆ ಋಣಭಾರ ರಾಹಿತ್ಯ ಪ್ರಮಾಣಪತ್ರCertificate that the property has no encumbrance
ಸ್ವತ್ತಿನ ವಿವರಗಳುProperty details
ಪಾವತಿ ವಿಧMode of payment
ಇ-ಪಾವತಿ ವಿಧType of e-payment
ಸಲ್ಲಿಸು / ಮರುಹೊಂದಿಸುSubmit / Reset

Steps

  1. Step 1: Open Kaveri Online Services and click Login

    Open kaveri.karnataka.gov.in and click Login at the top right.

    Kaveri Online Services home page with the Login button at the top right marked with a red box.
    Click Login at the top right. New here? Use Register instead and create an account first.

  2. Step 2: Choose Mobile/Email OTP Login

    You can log in with a username and password, but it's easier to click Mobile/Email OTP Login at the bottom.

    Kaveri Applicant Login box with username, password and captcha fields; the Mobile/Email OTP Login link at the bottom is marked with a red box.
    OTP login is the easiest: no password to remember.

  3. Step 3: Enter your email or mobile number and get the OTP

    1. Type your email or 10-digit mobile number.
    2. Click Send OTP, then enter the OTP you receive to log in.
    Kaveri OTP login box with the Email or Mobile Number field and the Send OTP button marked with red boxes.
    Enter the email or 10-digit mobile number you registered with, then click Send OTP.

  4. Step 4: Click Start a New Application

    On your dashboard, click START A NEW APPLICATION.

    Kaveri dashboard after login with the START A NEW APPLICATION button marked with a red box. Tabs below include Document Registration and EC Applications.
    Your dashboard. Later you'll come back to the EC Applications tab here to check the status.

  5. Step 5: Choose Encumbrance Certificate (Online EC)

    In What are you applying for?, click ENCUMBERANCE CERTIFICATE – (ONLINE EC).

    What are you applying for? box listing services; ENCUMBERANCE CERTIFICATE (ONLINE EC) is marked with a red box.
    Pick ENCUMBERANCE CERTIFICATE - (ONLINE EC). The portal spells it this way.

  6. Step 6: Read the prerequisites and click Continue

    The portal lists what you need. The important points:

    • e-Sign is mandatory, so you need Aadhaar.
    • If there are no registered transactions you'll get Form 16; otherwise Form 15, which lists them.
    • You don't need to visit the Sub-Registrar office.

    Click Continue.

    Prerequisite for EC box listing eight points, including that e-Sign is mandatory so Aadhaar is required, and Form 16 for nil encumbrance or Form 15 otherwise; the Continue button is marked with a red box.
    Points to note: Aadhaar is needed for e-Sign; Form 16 = nil encumbrance, Form 15 = has transactions.

  7. Step 7: Select After 01/01/2004 and click Proceed

    Choose After 01/01/2004 and click Proceed. This covers any property bought recently, including new flats.

    Only choose Before 01/01/2004 if you need records from before 2004. That flow isn't covered here.

    Select to continue for EC search box with the After 01/01/2004 option and the Proceed button marked with red boxes.
    For a new flat, choose After 01/01/2004.

  8. Step 8: Enter your property details and PID

    1. District, Taluka, Hobli/Town, Index II: Village: choose them in order; each list fills in after the one before it. Use the names in your sale deed.
    2. Property Type: choose Non-Agricultural for a flat or house site.
    3. Property Number Type: choose eAASTHI PID.
    4. Present Property Number Details: type your PID.
    Now, enter your Property Details page. District, Taluka, Hobli/Town and Index II Village dropdowns, Non-Agricultural property type, and Property Number Type eAASTHI PID with the property number field are marked with red boxes.
    Example: District Basavanagudi, Taluka Anekal, Hobli Attibele Hobli 2, Village Gollahalli. PID blurred.

  9. Step 9: Choose the period, type the captcha and click Search

    Scroll down. You can leave Boundary Details and Unit of Measurement empty.

    1. Period of EC search: pick the From Date and To Date. Use the period you need, for example from your registration date until today, or whatever your bank asked for.
    2. Type the captcha text shown.
    3. Click Search.
    Lower part of the property details page: optional boundary and measurement fields, the Period of EC Search From Date and To Date, the captcha box and the Search button, marked with red boxes.
    Boundary and measurement fields can be left empty. The fee depends on how many years you search.

  10. Step 10: Check the preview, tick both boxes and click Proceed

    A preview of the certificate appears, in Kannada. Check the village, PID and dates.

    1. Tick The above result displayed are related to the input provided by me.
    2. Tick I would like to proceed with applying for a digital signed copy of the EC.
    3. Click Proceed.

    If nothing matches, tick Can't locate your Property? instead.

    EC preview in Kannada (Form 16, nil encumbrance) showing village name, eAASTHI PID and search period, with two ticked checkboxes and the Proceed button marked with red boxes.
    ನಮೂನೆ 16 = Form 16 (nil encumbrance). Check the village, PID and dates before you continue.

  11. Step 11: Review the Encumbrance Summary

    The summary shows your Application Number, your details and the search details. Note down the Application Number. Then scroll down.

    Encumbrance Summary page with Application Details, Applicant Details and Input Search Parameters (district, taluka, hobli, village, property type). Personal details are blurred.
    Note your Application Number (blurred here). You'll need it to track the EC.

  12. Step 12: Check the fee and click Make Payment

    The Payment Details table shows the fee. In our example it was ₹40: a ₹10 application fee plus ₹30 for the first year. Longer periods add a fee for each subsequent year.

    Click Make Payment.

    Property Details and Payment Details tables: Application Fee ₹10, 1st Year Search Fee ₹30, Subsequent year Search Fee ₹0, Total Payable Amount ₹40 marked with a red box, and the Make Payment button marked with a red box.
    Our example (about 5 months): ₹10 application + ₹30 first year = ₹40. Longer periods cost more.

  13. Step 13: Read the payment instructions and click Continue

    Click Continue.

    Prerequisite for make payment box with nine payment instructions, including not pressing back or refresh and avoiding 7.30 AM to 9 AM and 8 PM to 10.30 PM; the Continue button is marked with a red box.
    Avoid paying between 7:30–9 AM and 8–10:30 PM, when Khajane-II is under maintenance.

  14. Step 14: Pay on Khajane-II

    1. ಪಾವತಿ ವಿಧ (Mode of Payment): choose Netbanking, UPI or card.
    2. ಇ-ಪಾವತಿ ವಿಧ (Type of E-Payment): choose an option, for example ICICI e-Pay (Aggregator).
    3. Type the captcha.
    4. Tick both chargeback boxes.
    5. Click ಸಲ್ಲಿಸು / Submit and complete the payment.

    After paying, wait to be sent back to Kaveri. Don't press back or refresh.

    Khajane-II Payment Details page showing challan amount 40 and transaction date, with Mode of Payment (Netbanking) and Type of E-Payment (ICICI e-Pay) dropdowns, the two chargeback checkboxes and the Submit button marked with red boxes. Challan number and name are blurred.
    ಪಾವತಿ ವಿಧ = Mode of payment · ಇ-ಪಾವತಿ ವಿಧ = Type of e-payment · ಸಲ್ಲಿಸು = Submit.

  15. Step 15: Wait 3–4 days, then check the status

    The EC is not issued instantly. Wait about 3–4 days, then:

    1. Log in to Kaveri again (steps 1–3).
    2. On your dashboard, open the EC Applications tab (seen in step 4).
    3. Find your application by its Application Number and check its status.

After it's done

  • Check the certificate: Form 16 means no registered transactions in the period; Form 15 lists them.
  • Keep a copy of the EC PDF, the Application Number and the challan reference number.
  • Next: the EC is often uploaded to your final e-Khata. See also how to check and download your e-Khata.

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FAQs

What is an Encumbrance Certificate (EC)?

An EC is the official record of registered transactions on a property (sale, mortgage, gift and so on) for a period you choose. Banks, buyers and the e-Khata process ask for it to confirm the property is free of registered loans or disputes.

What is the difference between Form 15 and Form 16?

According to the Kaveri portal, if there are no registered transactions (nil encumbrance) for the period, you get Form 16. If there are transactions, you get Form 15, which lists them.

How long does it take to get the EC?

After paying, expect about 3–4 days before the EC is ready. Check the status on Kaveri by logging in again.

How much does an EC cost on Kaveri?

At the time of verification the portal charged a ₹10 application fee plus a search fee for the period: ₹30 for the first year, plus a subsequent-year fee for longer periods. For a period of about 5 months the total was ₹40. The exact amount is shown before you pay.

Where do I find my PID?

The PID (eAASTHI PID) is the property number on your e-Khata. It is usually also printed on your sale deed and on any previous EC.

Can I search for an EC by owner name?

At the time of verification, Kaveri said EC search by name was only available from 7:00 PM to 8:00 AM because of maintenance work. Searching by property number (PID), as shown in this guide, works all day.

Last verified on . Portals change often, so always check the official site.