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OnlineTNREGINET - ஆன்லைன் தமிழ்நாடு என்கம்பரன்ஸ் சான்றிதழ்

TNREGINET is Tamil Nadu’s official digital platform that integrates multiple property and registration services under one roof. It allows citizens to register properties, obtain Encumbrance Certificates (EC), view guideline values, register marriages, births, and deaths, and even apply for society and firm registrations — all online. Among these, obtaining an EC is especially critical for home buyers, sellers, and anyone applying for a home loan. 

In Tamil Nadu, the EC obtained through TNREGINET is compelling evidence of rightful property ownership, which is vital in averting legal conflicts. The online platform smoothens the process, allowing property owners to access and validate their property details conveniently. Whether you're a buyer, seller, real estate agent, lawyer, or simply someone trying to validate property documents, understanding how to navigate TNREGINET is essential in 2025.

In this article, we will go over a detailed overview of TNREGINET Portal, and also cover:

-       How to register and login on TNREGINET

-       How to check guideline value and stamp duty in Tamil Nadu

-       Detailed overview of getting the Encumbrance Certificate in Tamil Nadu online

-       Additional tips for using the portal

How to Create an Account and Login on TNREGINET

To access most TNREGINET services, you must create an account:

  1. Visit tnreginet.gov.in.
  2. Click ‘User Registration’ from the homepage.
  3. Select your User Type (Citizen/Advocate/Document Writer/Firm etc.).
  4. Fill in your details — name, address, mobile number, email, ID proof.
  5. Set up a username, password, and security question.
  6. Complete mobile/email OTP verification to activate your account.
  7. Use the ‘Login’ option with your credentials to access services.

Tip: A language toggle is available at the top-right corner to switch between English and Tamil easily.

How to Check Guideline Value and Calculate Stamp Duty
(As per latest guideline value amendment from 1st July 2024 Update)

Before initiating property registration or estimating stamp duty, it’s essential to know your property’s
Guideline Value
:

  1. Login to TNREGINET.
  2. Click ‘Guideline Value’ on the homepage.
  3. Search by Street Name or Survey Number or area name
  4. Select District, Sub-Registrar Office, Village, and enter property details.
  5. View the applicable Guideline Value per Sq Ft/ Per acre/ Per Sq Meter

Stamp Duty and Registration Charges in Tamil Nadu (as of 2025):

Document Type Stamp Duty Registration Fee
Sale Deed 2% of Market Value 2% of Market Value
Mortgage Deed



Deposit of title
deeds

1%-on the loan amount subject to maximum Rs 50000/-

 

.5 % on loan amount subject to maximum Rs 40000/-

1% on loan amount subject to maximum Rs 15000/-

 

1% on loan amount subject to maximum Rs 8000/-

Lease Deed

1%-7% depending on lease period

1% on lease amount subject to maximum Rs 40000/-

Note: Guideline values were last revised on April 1, 2023, and remain in force through 2025.

How to View and Download Patta/Chitta Extracts Online

https://eservices.tn.gov.in/eservicesnew/index.html

Patta and Chitta are vital land revenue documents confirming ownership and classification (e.g., residential, agricultural):

1. Login to https://eservices.tn.gov.in/eservicesnew/index.html

2. Click to View → ‘Patta/Chitta /TSLR Extract’.

3. Fill in District, Taluk, Village, Survey Number, Subdivision Number.

4. Select Patta Number/Survey Number

5. Select Land Type Rural/Natham

6. Enter your 10 digit mobile number and click Get OTP

7. Once you received 6 digit OTP to your mobile number kindly enter and click Confirm the OTP

8. Submit the form and download your Patta/Chitta copy.

Note: In some cases, TNREGINET will redirect you to the TNeGA portal (Tamil Nadu e-Governance Agency) to fetch the latest updates.

Why is it Important to Have an Encumbrance Certificate in Tamil Nadu?

  • Proof of Ownership: Shows the property belongs to you, and there are no loans or pending dues on it.
  • Helps avoid legal trouble: Verifies the property is free from any court cases or claims that are indexed/registered in EC by appropriate authority.
  • Needed for selling or buying: Banks, buyers, even builders, they usually won’t move forward without an EC.
  • Important for taking loans: without EC, getting a home loan becomes difficult.
  • Used for government approvals too: You may need it if you plan to build, renovate, or convert land use.
  • Keeps you safe from fraud: Tells you early if there’s any old issue tied to the property.

How to Apply for an Encumbrance Certificate Online in Tamil Nadu?

Applying for an Encumbrance Certificate (EC) in Tamil Nadu is a simple process through the TNREGINET portal. Follow these steps to initiate the application:

  • Login to the TNREGINET portal using your credentials.
  • Go to the 'Encumbrance Certificate' section and proceed to 'Search and apply EC.'
  • Provide necessary details, including location (Zone, district, sub-registrar office), time (EC start and end date), survey details, house details, and additional information.
  • After entering the details, search for the EC. Documents corresponding to your input will be displayed. Proceed to 'Apply Online.'
  • Enter your name and contact details, and save the information. Proceed to the payment section.
  • Review your payment details, select the payment option, and proceed to the e-payment screen. Provide the required details for e-payment and complete the process.
  • Upon successful payment, note the bank reference, CIN, and transaction ID received. These details are essential.
  • After data selection and the sub-registrar's approval, access the TNREGINET EC with a QR code on all pages and the sub-registrar's digital signature. You will also receive an SMS notification confirming the transaction.

Fully Online: As of 2025, ECs are completely digitized and downloadable after QR code signed EC uploaded by Sub registrar office against the request in online.

Documents Required to Apply for Encumbrance Certificate Offline in Tamil Nadu

When opting for the offline mode to apply for an Encumbrance Certificate (EC) in Tamil Nadu, ensure you have the following documents ready:

  • Attested Copy of Address Proof: Include an attested copy of your address proof. This could be documents like an Aadhaar card, Passport, Voter ID, or any other valid proof recognised by authorities.
  • Property Details: Provide comprehensive details about the property for which you seek the certificate. This may include survey numbers, subdivision numbers, and any specific details identifying the property.
  • Title Details: Furnish title details, encompassing ownership documents and any relevant legal records associated with the property. These documents serve as critical evidence supporting the title and ownership status.

How to View/Download Tamil Nadu Encumbrance Certificate?

  • Begin by visiting the official TNREGINET portal to initiate the process.
  • On the homepage, locate and click the ‘Encumbrance Certificate’ section. Choose the ‘Search/View EC’ tab.
  • Opt for the ‘EC’ search option. This will prompt you to provide details such as the village, EC start date, EC end date, Sub-Registrar Office, Zone, District, and other relevant information.
  • Fill in the required fields and click on the “Search” button. Enter the CAPTCHA code as prompted.
  • The system will promptly generate and display the Encumbrance Certificate. You can view it online or download the certificate for your reference.


Following these steps, you can conveniently get the TNREGINET EC to view or download your Tamil Nadu Encumbrance Certificate through the TNREGINET portal.

How to Obtain a Digitally Signed EC in Tamil Nadu?

  • Visit TNREGINET Website: Begin by visiting the official TNREGINET website to initiate the process.

    Tnreginet - ec view home page online

  • Access e-Services Menu: Go to the ‘e-Services’ drop-down menu on the website.

    tnreginet - tamil nadu encumbrance certificate view online

  • Select Encumbrance Certificate: If you are a TN e-registered user, choose the ‘Encumbrance Certificate’ option and click ‘Search and Apply EC.’ For non-registered users, it is necessary to register on TNREGINET first.

    ec view online tamilnadu search

  • Payment Process: Make the required payment for the EC through the portal. Follow the instructions provided to complete the payment process.
  • Download Digitally Signed EC: Once the payment is successful, a digitally signed copy of the online EC of Tamil Nadu can be downloaded from the ‘Request List’ tab. This document will bear the digital signature, ensuring its authenticity.

How to Track Encumbrance Certificate in Tamil Nadu Application Status?

To monitor the status of your Encumbrance Certificate (EC) application in Tamil Nadu, follow these simple steps on the TNreginet portal:

  • Log In: Log in to the portal using your credentials.
  • Check Status: On the portal dashboard, find and click on the “E- Services” option.
  • Enter Transaction/Application Number: Input your EC application's relevant Transaction Number or Application Number.
  • Fetch Status: Click on the ‘Fetch’ button to retrieve and display the current status of your Encumbrance Certificate application.

Why and When is an Tamilnadu Encumbrance Certificate Required?

An Encumbrance Certificate (EC) in Tamil Nadu is indispensable when considering property transactions, ensuring a transparent and secure process. This document is a crucial indicator of a property's legal and financial health. It verifies the absence of encumbrances like loans or legal claims, establishing your rightful ownership and preventing potential disputes. Financial institutions often demand ECs when processing loans, offering assurance regarding the property's clear title. Additionally, ECs are vital for property mutation, Khata Registration, and Patta Transfer tasks. Obtaining an EC is essential during property sales, withdrawals from PF for property purposes, home construction, and overall property purchases, safeguarding transactions from potential complications. An Encumbrance Certificate (EC) is important for a smooth Home Loan approval process with Kotak.

Common Errors on TNREGINET and How to Solve Them (TNREGINET 2025)

Problem How to Solve
OTP not received during registration

Retry after 60 seconds; if failed, contact 1800-102-5174.

'No Records Found' for EC Search

Widen the year range or check document number format.

Payment failed during application

Retry after clearing cache; prefer NetBanking over UPI during peak times.

Forgot portal password

Use ‘Forgot Password’ and reset via mobile OTP or email.

Why Property Buyers Must Use TNREGINET Properly

  • Home Loans: Banks require digitally signed ECs, Patta/Chitta extracts, and valuation based on guideline values before sanctioning loans.
  • Property Verification: Ensure that no hidden mortgages, liens, or legal disputes are attached to the property.
  • Ownership Proof: Patta/Chitta and EC form the basis for property mutation, construction approvals, and resale.
  • Transparent Pricing: Guideline values help estimate fair registration fees and stamp duty to avoid fraud.

Using TNREGINET properly ensures you stay legally protected, financially safe, and future-ready.


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Frequently Asked Questions

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What is the validity period of an Encumbrance Certificate (EC)?

The validity period of an Encumbrance Certificate in Tamil Nadu is typically for the specified period mentioned in the certificate, and it reflects the historical transactions up to that date.

Where can I obtain an Encumbrance Certificate in Tamil Nadu?

Encumbrance Certificates can be obtained online through the TNREGINET portal, the official Tamil Nadu Government website for online registration.

Is there any particular timeline to get the Encumbrance Certificate?

The timeline for receiving the Encumbrance Certificate may vary, but it generally takes approximately 15-30 days from the date of application.

Why is it important to have an Encumbrance Certificate?

An Encumbrance Certificate ensures the property is free from legal or financial liabilities, providing proof of ownership and preventing potential disputes. Financial institutions also often require it when processing loans against the property.

Are digitally signed ECs valid for home loan applications?

Yes. All major banks, including Kotak Mahindra Bank, accept digitally signed ECs with QR codes.

When was the last guideline value updated in Tamil Nadu?

The last revision occurred on 1st July 2024 and remains applicable in 2025.

Can I download Patta/Chitta through TNREGINET?

Yes, You will be redirected to “https://eservices.tn.gov.in/eservicesnew/index.html” the portal for updated extracts.

What happens if I input the wrong survey number while searching EC?

You will see 'No Records Found'. You can either correct the input or approach the Sub-Registrar Office manually.

Disclaimer: This Article is for information purpose only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank make no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.