Friday, August 15, 2014

Online Encumbrance Certificate : Tamil Nadu

Tamil Nadu Government's recently launched 'online EC/Document search' for properties registered at T.Nadu is an appreciable progress in E-Governance.  In its' own words, the web-page for EC at www.tnreginet.net describes it as 'In order to ensure ease and transparency in services to the Public and also to facilitate the property owners to check the status of their property from anywhere in the world'. Truly, the ease of operation is very helpful to trace the land records/history. At times, the Manual (hand-written encumbrance certificate) contains several errors (intentional/un-intentional!).  Online downloadable Encumbrance Certificate are handy in scrutinising the property documents for their authenticity.  To quote an example, recently certain documents were given to me for Legal Opinion, in which there were certain documents pertaining to Mortgage of property.  Since Mortgage Receipts were not in the documents' bundle, I went through the online EC and confirmed that the Mortgage-Receipts were duly registered.  By quoting the documents numbers, the seller easily obtained the said receipts.  Due to online EC availability, the process-flow of rendering legal opinion was hassle-free!

This service by the Govt is of immense help to the public as it will reduce considerable expenses (and running behind registrar office brokers) on the part of property purchasers as well as legal professionals.

Suggestion : As the registered documents are scanned by the registrar office concerned, if the documents are also available for download, it will bring more transparency and also reduce work-load.  Further, precious energy on account of paper-consumption, photostat, etc., can also be saved.  Though it may cause loss of business to several involved in the documentation and allied activities :)


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