Encumbrance Certificate in Karnataka
Proof of what has been registered against the land
An encumbrance certificate (EC) lists registered transactions on a property for a period. It is one of the quickest ways to spot mortgages and prior sales. Here is how to use it.
What an EC Shows
An EC is issued by the Sub-Registrar's office and lists registered transactions — sales, mortgages, gifts, leases, releases — for a property over the period you request. In Karnataka, an EC showing transactions is commonly referred to as Form 15, and a ‘nil’ EC (no transactions) as Form 16.
| Form | Meaning |
|---|---|
| Form 15 | Lists registered transactions in the period |
| Form 16 | Nil encumbrance — no registered transactions in the period |
How to Get an EC
- Apply online through the Karnataka registration department's Kaveri services for digitised records
- Or apply at the jurisdictional Sub-Registrar's office
- Provide survey / property details, period and fees
- For older periods not digitised, a manual search may be needed
How to Read It
Cover the Full Period
Ask for at least the period your lawyer advises (often 30 years).
Mortgages
Any mortgage should have a matching release.
Match the Chain
Transactions should match the title deeds.
Limits
An EC shows only registered transactions; unregistered agreements or disputes may not appear.
For Prestige Olive Oak
Once survey numbers are in the RERA filing, obtain ECs for them and have your lawyer reconcile them with the title chain and any project finance mortgages. See title & mother deed.
Prestige Olive Oak at a Glance
| Developer | Prestige Group (Prestige Estates Projects Ltd.), est. 1986, Bengaluru |
| Location | Chikkajala, off Bellary Road (NH-44), North Bangalore 562157 — see location |
| Land Area | 30+ acres with about 4.5 acres of open space |
| Total Plots | About 600 freehold villa plots |
| Plot Sizes | 1,200, 1,500, 2,000 & 2,400 sq.ft. + odd/corner plots — see plot plans |
| Price | From ₹1.20 Cr* (EOI ₹10,000/sq.ft.) — see price list |
| Status | Pre-launch, EOI open; launch expected 10 December 2026 |
| RERA | Awaited — verify on rera.karnataka.gov.in before booking |
| Possession | Target December 2029 (as per RERA filing) |
Explore Related Pages
Frequently Asked Questions
A certificate from the Sub-Registrar listing registered transactions on a property for a period.
Form 15 lists transactions; Form 16 is a nil encumbrance certificate.
Commonly 30 years or as advised by your lawyer.
Yes, for digitised records through the state's Kaveri online services.
Get in Touch
Contact us for the Prestige Olive Oak plot plan, EOI cost sheet, site visits, plot availability and pre-launch offers.