Introduction: An Encumbrance Certificate is a vital legal document that validates the property's ownership and lists all financial transactions linked to it. In Karnataka, the process of obtaining an Encumbrance Certificate has been streamlined through an online procedure. This guide will walk you through the steps to obtain a Karnataka Encumbrance Certificate online.

Step 1: Create an Account

  1. Visit the official website of the Inspector General of Registration and Stamps, Karnataka (IGRS Karnataka) at
  2. Register for a new account by providing your details, including name, email address, mobile number, and a unique username and password.

Step 2: Login to Your Account

  1. After successfully registering, log in to your account using the username and password you created.

Step 3: Property Details and Search

  1. Once logged in, you'll find several options. Select "Encumbrance Certificate" from the menu.
  2. Provide the necessary property details, such as the district, sub-registrar office, village, and survey number. If you're unsure about these details, you can use the property's old Encumbrance Certificate to retrieve them.
  3. Click the "Search" button.

Step 4: Verification and Payment

  1. A list of properties matching your search criteria will be displayed. Select the relevant property.
  2. Verify the property details and select the type of Encumbrance Certificate you require (Form 15 or Form 16).
  3. Confirm the transaction and proceed to make the payment. Karnataka's government charges a nominal fee for this service.

Step 5: Upload Required Documents

  1. After payment, you will be prompted to upload the necessary documents, such as address proof and identity proof. Ensure you have scanned copies ready.
  2. Once the documents are uploaded, you'll receive an acknowledgment.

Step 6: Application Processing

  1. The concerned Sub-Registrar's office will process your application. This may take a few days.
  2. You can check the status of your application by logging into your account on the IGRS Karnataka portal.

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Step 7: Download the Encumbrance Certificate

  1. Once your application is approved, you will receive a notification.
  2. Log in to your account and navigate to the "Encumbrance Certificate" section.
  3. Select your property and the certificate type (Form 15 or Form 16) and click "Generate Certificate."
  4. Your Encumbrance Certificate will be available for download in PDF format. Save and print it for your records.

Step 8: Verification and Authentication

  1. Verify the details mentioned in the Encumbrance Certificate to ensure accuracy.
  2. If you find any discrepancies, contact the concerned Sub-Registrar's office for rectification.

Conclusion: Obtaining an Encumbrance Certificate in Karnataka has become more convenient with the introduction of online procedures. It not only simplifies the process but also reduces the need for physical visits to government offices. By following this step-by-step guide, you can obtain a Karnataka Encumbrance Certificate online, providing you with valuable information about the property's ownership and financial history, crucial for property transactions and legal matters.