Punjab Non-Encumbrance Certificate

Punjab Non-Encumbrance Certificate is one of the most important documents that is required at the time of purchasing a property. Non- Encumbrance certificate certifies that there are no dues on the property and the ownership of the property is clear and marketable. Non-Encumbrance certificate contains details of all transactions done on a particular property. In Punjab, the Department of Revenue issues the Non-encumbrance certificate. In this article, we look at the procedure for obtaining Punjab Non- Encumbrance certificate in detail.

Reason for Obtaining Non-Encumbrance Certificate

The following are some of the conditions to obtain a Non-Encumbrance certificate.

The Non-Encumbrance certificate is necessary for requesting a home loan from the banks.
The Non-Encumbrance certificate is needed to acquire a loan from the respective bank against a property.
The Non-Encumbrance certificate is required when one wants to buy or sell a property.
The Non-Encumbrance certificate serves as an evidence to state that the property is free from legal liabilities.
The Non-Encumbrance certificate is expected to know about the past transactions of property at the time of purchase of the property.

Features Present in the Certificate

Given below are the information provided in the Non-Encumbrance certificate:

All transactions relating to the property that has been registered by the Registrar.
All necessary details of the sale deed will be added to the Non-Encumbrance Certificate. The Certificate is usually valid for a specific period and it mentions the transactions that are applicable to that particular period.
For gifted deeds, details on gift settlement will be notified.
Certain documents such as testamentary documents and short-term lease deeds need not be registered as per the law.

Applicable Fee

Charges that are applicable to the applicant are listed below:

The facilitation charge that has to be paid by the applicant is Rs.100/- and additionally, he/ she has to pay an application fee of Rs.2/-. There are different prescribed payments as per the period. The are as follows.
If the applicant is availing the encumbrance certificate for the current year, then he/she has to remit a fee of Rs.20/-.
If the applicant is availing the encumbrance certificate for every subsequent year, then he/she has to pay a fee of Rs 10 additionally.

Documents Required

The following are the required documents that should be furnished along with the application form.

Application stamped with Rs.1.25 court fee.
Proforma NEC
Affidavit
Report of Halqa patwari.
Income certificate.
Identity Proof such as Aadhar card/ PAN card.
Residence Proof such as Voter ID, Driving License, Electricity Bill.

Application Procedure for Non-Encumbrance Certificate

To apply for Non-Encumbrance Certificate in Punjab, follow the steps mentioned below: Step 1: Approach Sub Registrar Office The applicant must approach the office of Sub Registrar / Joint Sub Registrar of the Revenue Department to collect the application form for Non-Encumbrance certificate. The application form for Non-Encumbrance certificate is reproduced below for quick reference. Step 2: Complete the Application Form The application form has to be filled with appropriate details. Step 3: Upload the Documents After filling the form attach the documents that are specified in the application. Step 4: Submit the Application Then submit the filled application form to the concerned authority of Registrar office. Step 5: Make Payment Upon submission, one needs to make payment for the issuance of Non-Encumbrance certificate. Step 6: Receive Acknowledgement Slip Then the applicant can receive acknowledgement slip for further reference. Step 7: Collection of Non-Encumbrance Certificate Once submitted, the concerned authority will check the application form. After verification, the respective Non-Encumbrance certificate can be collected from the relevant authority.