Glossary ยท E
Encumbrance Certificate (EC)
The sub-registrar's record that shows whether a property has pending mortgages or other liabilities, checked before land is bought.
What is Encumbrance Certificate (EC)?
An Encumbrance Certificate (EC) is a legal document, issued by the sub-registrar's office in India, that shows a land parcel or property has no pending legal disputes, uncleared mortgages or unpaid property taxes up to a stated date. Buyers, lenders and developers use it to confirm a clear, marketable title.
Practical example
Before buying a 5-acre plot to build a housing society, a developer's legal team applies for a 30-year Encumbrance Certificate. The EC shows that the land was mortgaged to a bank 10 years ago and the loan was never officially cleared. The developer stops the transaction until the seller clears the encumbrance, so the developer does not inherit the debt.
In SuperWise
SuperWise stores an Encumbrance Certificate as a project document. Each document has a number, a date, a folder and tags that make it searchable. Access to a folder is set per role for viewing, uploading and deleting, so a legal team can keep land papers such as title search reports and 7/12 extracts where only the roles it names can open them.
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