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| + | ====== Encumbrance Certificate Shows a Transaction That Is Not Yours ====== | ||
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| + | <WRAP center round info 95%> | ||
| + | **Quick Reply:** Your EC lists a sale or wrong survey number you never had? Get the deed by RTI and a correction from the sub-registrar to de-link the stray entry. | ||
| + | </ | ||
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| + | **Reviewed on:** 2026-06-12. | ||
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| + | {{: | ||
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| + | You pull a fresh Encumbrance Certificate (EC) before a sale, and one entry stops you cold. It lists a transaction you never made, or a survey number that is not yours, on your property' | ||
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| + | A typical case from Coimbatore: Lakshmi applies for an EC on her plot in survey number 58/2 to give a buyer' | ||
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| + | ===== First, work out what the wrong entry is ===== | ||
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| + | A stray entry on the EC is usually one of these, and the remedy depends on which: | ||
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| + | * **Wrong survey, plot or door number.** A deed of a nearby property was indexed against yours because of a digit error. This is a clerical fix the office can do. | ||
| + | * **Wrong name.** The entry carries names that are strangers to your title chain. Often an indexing mix-up, sometimes a genuine deed of someone else tagged to your property. | ||
| + | * **Duplicate entry.** The same transaction appears twice. A clean indexing correction. | ||
| + | * **A real deed that overlaps your property.** A validly registered transaction genuinely affects your extent or boundary. This is a title or boundary dispute, not just an office error. | ||
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| + | Until you read the actual registered document, you cannot be sure which one it is. So the first move is to get that document. | ||
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| + | ===== Get the underlying deed by RTI ===== | ||
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| + | - Read the disputed entry and note its **document number, year**, the survey or door number, and the names shown. You need the document number to locate the deed. | ||
| + | - File an RTI with the **Public Information Officer** of the state Registration and Stamps department for a certified copy of the document registered under that number and year, and the index or register page where it appears against your property. | ||
| + | - Registration is a state subject, so file through your **state RTI portal** or by post to the office PIO, not the central portal. | ||
| + | - When the certified copy arrives, check which property and parties it names. If it names a different survey number or different people, the entry is wrongly tagged to your EC and the office should de-link it. If it genuinely overlaps your property, it is a title question. | ||
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| + | ===== Then, ask the sub-registrar to correct it ===== | ||
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| + | - Build your title chain: your sale deed, prior deeds, the survey or record-of-rights document (such as patta and chitta with the FMB sketch in Tamil Nadu, or your state' | ||
| + | - Submit a written correction request to the issuing sub-registrar, | ||
| + | - Use the correction option on your state registration portal if it has one, and keep the acknowledgement or token. | ||
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| + | ===== Correction request ===== | ||
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| + | < | ||
| + | To, | ||
| + | The Sub-Registrar | ||
| + | [Name of Sub-Registrar' | ||
| + | [State Registration and Stamps Department] | ||
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| + | Date: [DD/ | ||
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| + | Subject: Wrong transaction recorded against my property in the | ||
| + | Encumbrance Certificate - request to verify and correct | ||
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| + | Sir/Madam, | ||
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| + | I own the property at Survey/ | ||
| + | EC I obtained from your office for the period [from] to [to] lists this | ||
| + | entry, which does not relate to my property: | ||
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| + | - Document number and year: [doc no. / year] | ||
| + | - As shown on EC: [survey/ | ||
| + | - Why it is not mine: [the survey/plot number is different / the names are | ||
| + | strangers to my title chain / it is a duplicate / it appears to belong | ||
| + | to an adjacent property] | ||
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| + | My correct title is supported by the enclosed sale deed, prior deeds, the | ||
| + | survey / record-of-rights document, and a property tax receipt. | ||
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| + | I request you to verify this entry against the registered records and the | ||
| + | index for my property, correct or de-link it if it does not relate to my | ||
| + | property, and issue a corrected Encumbrance Certificate. Please inform me | ||
| + | in writing of the action taken and the reason it was recorded against my | ||
| + | property. | ||
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| + | Please acknowledge with a token number and the expected timeline. | ||
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| + | Yours faithfully, | ||
| + | [Name, address, mobile, email] | ||
| + | </ | ||
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| + | ===== Escalation ladder ===== | ||
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| + | ^ Step ^ Use when ^ Where ^ | ||
| + | | 1 | Stray entry on your EC | Correction request to the issuing sub-registrar, | ||
| + | | 2 | Deed details needed | RTI to the registration department PIO for the certified deed and index page | | ||
| + | | 3 | Office does not act | District Registrar / Inspector General of Registration for the state | | ||
| + | | 4 | PIO silent or evasive | First appeal to the First Appellate Authority of the department | | ||
| + | | 5 | Genuine overlapping deed | Rectification deed by the parties, or a civil suit for declaration of title | | ||
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| + | ===== Where RTI fits, and where it does not ===== | ||
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| + | The sub-registrar and the state Registration and Stamps department are **public authorities**, | ||
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| + | ===== Common mistakes ===== | ||
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| + | * Arguing at the counter without ever filing a written correction request, so there is no acknowledgement to escalate. | ||
| + | * Not noting the document number and year, leaving the office and the PIO unable to find the deed. | ||
| + | * Skipping the RTI for the underlying deed, so you never learn whether it is a clerical mix-up or a real overlap. | ||
| + | * Filing the RTI on the central portal when registration is a state subject. | ||
| + | * Assuming every error needs a court case, when a wrong survey number is usually an indexing correction the office can make. | ||
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| + | ===== FAQ ===== | ||
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| + | ==== Why does my EC show a transaction I never made? ==== | ||
| + | Usually an indexing mistake: a wrong survey, plot or door number, a name mismatch, a duplicate, or a deed from a different property tagged to yours. To be sure, get a certified copy of the document behind the entry by RTI and compare which property and parties it names against your own title. | ||
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| + | ==== How do I get the document behind the entry? ==== | ||
| + | File an RTI with the state Registration department' | ||
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| + | ==== Can I correct the wrong entry online? ==== | ||
| + | Some state portals let you raise a correction request and track it with a token, but the entry is verified and corrected by the sub-registrar against the registered records. You submit a written request with the EC and your title documents, and the office issues a corrected EC after checking. | ||
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| + | ==== The wrong deed is real and overlaps my property. What then? ==== | ||
| + | Then it is a title or boundary dispute, not a clerical error, and RTI alone will not settle it. If both parties agree the description was wrong, they can register a rectification deed. If they do not agree, the route is a civil suit for declaration of title or to cancel the document, through a lawyer. | ||
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| + | ==== A bank or buyer stalled my deal over this entry. Can RTI fix that? ==== | ||
| + | RTI will not direct a private bank or buyer. What it does is get you the certified deed and a dated official answer that the stray entry is being corrected, which is the proof they need. Once the office corrects the record, share the clean EC with them. | ||
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| + | ==== What documents should I keep ready? ==== | ||
| + | The EC with the entry marked, your sale deed and prior deeds, your state' | ||
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| + | ==== What if the office delays or refuses to correct it? ==== | ||
| + | Follow up in writing quoting your token, then escalate to the District Registrar and the Inspector General of Registration. On the transparency side, if the PIO does not reply in time, file a first appeal with the First Appellate Authority. A clear, dated record of what was registered and what the office did strengthens every later step. | ||
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| + | ===== Related guides ===== | ||
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| + | * [[practical-guides: | ||
| + | * [[practical-guides: | ||
| + | * [[practical-guides: | ||
| + | * [[practical-guides: | ||
| + | * [[practical-guides: | ||
| + | * [[file-rti-online-india|How to file RTI online]] | ||
| + | * [[state-rti-portals-directory|State RTI portal directory]] | ||
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| + | Download the EC wrong transaction checklist (PDF). | ||
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| + | {{tag> | ||