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Welcome to XpertARC

Encumbrance Certificate (EC)

Category: Title

Document from the sub-registrar showing all registered transactions on a property over a specified period.

30-year EC is the gold standard for auction property due diligence. It catches legacy mortgages, gifts, partitions, and other registered encumbrances. State-by-state issuance procedures vary.


Need broader context? Read our pillar guides for in-depth coverage of SARFAESI, DRT, NCLT, EMD, title due diligence, and financing.

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