Encumbrance Certificate (EC) in Bihar 2025: How to Apply?

An Encumbrance Certificate (EC) is a crucial legal document in Bihar, especially when buying, selling, or availing a loan against a property. It certifies that the property is free from any legal or financial liabilities, such as mortgages, unpaid loans, or disputes. Issued by the Sub-Registrar Office (SRO), the EC Bihar ensures the property has a clean title, making it a vital document for property transactions.

1. Importance of Encumbrance Certificate in Bihar

1. Proof of Ownership: The EC Bihar lists details of the property owner and past transactions, ensuring transparency in ownership.
2. Legal Verification: It confirms the property is free from legal disputes or encumbrances, safeguarding buyers from fraud.
3. Financial Security: The EC highlights any financial liabilities tied to the property, ensuring the new owner isn’t burdened with unpaid dues.
4. Loan Approval: Banks and NBFCs require an EC when granting home loans, as it verifies the property’s eligibility as collateral.
5. Updating Property Records: The EC helps in updating land or property tax records through mutation.

2. Details Mentioned in Bihar Encumbrance Certificate

• Name of the property owner
• Property details (address, survey number, etc.)
• Past transactions (sale, purchase, mortgage, lease, etc.)
• Mortgage records, if any

3. Types of Encumbrance Certificates in Bihar

1. Form 15: Issued when the property has encumbrances during the requested period. It includes details of transactions like sales, mortgages, leases, etc.
2. Form 16: Issued when no transactions are recorded during the requested period, confirming the property is free from encumbrances.

Eligibility for Encumbrance Certificate in Bihar

• The applicant must own the property in Bihar.
• Complete property details (address, survey number, etc.) must be provided.
• The property should have no outstanding dues.

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4. Documents Required for EC Bihar

• Identity proof (Aadhaar, PAN, Voter ID, Passport)
• Proof of residence (electricity bill, Aadhaar, etc.)
• Property address and survey number
• Copy of sale deed (recent or old)
• Purpose and time frame for the EC application
• Power of Attorney (if applicable)

5. How to Apply for Encumbrance Certificate in Bihar Online

1. Visit the official portal: Bhumijankari Bihar
2. Select DSRO, Circle, and Mauza/Thana No. from the dropdown menu.
3. Enter Khata No. and Plot No. to view transaction details.
4. For a certified copy, visit Enibandhan Bihar, register/login, fill the application, upload documents, and pay the fee.

How to Track EC Bihar Status

1. Visit Bihar RTPS Portal
2. Click on “View Application Status” under the Civic Section.
3. Enter application details to track the status.

How to Download EC Bihar

1. Go to Bihar RTPS Portal
2. Click on “Download Certificate” under the Civic Section.
3. Enter required details and download the certificate.

6. Encumbrance Certificate Fees in Bihar

The fee for an EC depends on the period for which it is requested:

• Rs 250 to Rs 1,000 for up to 10 years.
• Additional fees apply for periods exceeding 10 years.

How to Get EC Bihar Offline

1. Visit the nearest Sub-Registrar Office (SRO).
2. Submit the application form with required documents.
3. Pay the applicable fee.
4. Collect the EC after verification (usually within 7 days).

What is a Non-Encumbrance Certificate in Bihar?

A Non-Encumbrance Certificate confirms that no transactions or liabilities are recorded against the property during the specified period. It is issued on Form 16.

Why is EC Bihar Important in 2025?

The EC Bihar ensures transparency and legal security with increasing property transactions and fraud cases. It is a must-have document for:

• Property buyers and sellers
• Home loan applicants
• Updating property records