Kerala’s online property-related services: Everything you should know
Kerala is much ahead in terms of literacy and technological advancement as compared to many other states in India. It is one of the first states to introduce online services for land and property-related processes. Thanks to the Kerala government, people who are buying or selling property in the state can now make use of the varied online services offered by the registration department. Listed below are some of the most important property services you can avail through digital media.
1. Online Application of Encumbrance Certificate
Gone are the days when people had to fill up an application form and wait for long hours at the Sub Registrar’s Office for obtaining the Encumbrance Certificate (EC). This is one of the most important legal documents which signifies that the property is completely free of legal or monetary liability such as an uncleared loan.
EC can be obtained online through the Registration Department of Kerala website. A user can apply for the EC and pay stamp duty through this portal.
Things you should know while submitting EC application:
- While submitting the application you must provide your valid mobile number so as to receive updates through SMS.
- The fee is non-refundable and hence make sure that you enter all details correctly.
- You should take a note of the transaction number and application details to check the status of your application.
- By default, Encumbrance Certificates are generated in Malayalam but there is an option where you can choose to get English version.
- If you would like to get the certificate urgently, you can pay an extra fee and select the priority option.
Downloading Encumbrance Certificate
Once you have submitted the application for EC and paid the associated fee for the same, the Sub Registrar Officer will process the application and issue your certificate. The applicant can check the status of the application online and download it through the portal when ready.
2. Online Property Registration in Kerala
The Registration Department of Kerala manages the registration or transfer of property in Kerala. Now buyers in Kerala can register property transactions at any sub-registrar’s office within a district.
Recently the state government has cut down the stamp duty charges from 8% to 4% and registration charges from 2% to 1% owing to the pandemic induced slowdown in the real estate market. Let us now look at the online procedure for Kerala property registration with stamp duty charges.
Visit the Registration Department portal and click on ‘online applications’. You need to create a username and password to proceed. Enter the details and pay the stamp duty and registration fee online if the amount is less than Rs. 1 lakh. If the stamp duty payable is more than Rs 1 lakh, select e-stamp as mode of stamp duty payment.
You can download the e-stamp with a serial number and GRN on it. Once you choose a time slot for physical document verification at the sub-registrar’s office an acknowledgement slip will be generated, which will have your appointment details. While visiting the sub-registrar’s office on the mentioned time and date, you need to submit the printout of the report, along with the related documents. After the registration is complete, you will receive the sale deed.
Documents To be Submitted for Property Registration
The following documents must be submitted to the Registrar for property registration.
- Proof of ownership
- Certified copy of original old sale deed, assessment of MC or mutation
- Identify proof (Ration Card, Voter ID, Driving License, Aadhaar Card or PAN Card)
- ID proof of two witness
- Map plan and description of immovable property
- A photograph of the property
Download Possession Certificate Online
Possession certificate is a mandatory document which states the possession date of the property. It is issued by the Tahsildar in rural areas and Revenue Divisional Officer (RDO) in urban areas. Homeowners must obtain the possession certificate for availing subsidy or housing loan on their property. An applicant can request a possession certificate for their property through the e-District portal. The fee for applying for a possession certificate online through the e-District portal is Rs.15.
Possession certificate application procedure starts with new user registration in the e-District portal. There is a one-time registration process for duplicate check i.e to find out whether the applicant has already registered through any Akshaya Centers. After verification, you have to enter the details and upload the relevant documents in PDF format. The next step is payment of fee after which the applicant can print the receipt and the certificate application. Once the possession certificate is issued you will receive an SMS in the registered mobile number. You can login to the portal again to download or print the certificate. Possession certificate will be issued within 7 days from the date of application.
Documents Needed to Obtain Possession Certificate
The following documents must be uploaded to obtain possession certificate in Kerala:
- Aadhaar card
- Land tax receipts
- Proof of ownership of property
- Encumbrance certificate
- Voter ID card
4. Checking Land Records in Kerala Online
You can check land records including survey number and owner details in Kerala through the E-Rekha portal. This is helpful to verify the ownership of land and ensure transparency in property transactions.
E-Rekha portal is a survey records data directory maintained by the Kerala Land Information Mission, Government of Kerala. It was implemented to conserve and digitize old survey records. The portal also includes the resurvey data for the benefit of the public. E-Rekha portal provides digital access to survey records anywhere any time to all the stakeholders especially landowners.
To verify a property record one has to visit the E-Rekha portal and go to the file search option. You have to enter details like district, taluk, village, block number, survey number, etc to proceed. The document with land details will be displayed on the screen. If you want to download the original document, you will have to pay a nominal fee online.
With all these digital services in place, property transactions have become more hassle-free and transparent in Kerala state. We believe that this information will encourage you to make the most of the online services rendered by the Kerala government.