Document Guide · Dadra & Nagar Haveli and Daman & Diu

How to Check the Encumbrance Certificate in Dadra & Nagar Haveli and Daman & Diu — Complete Guide 2026

The Encumbrance Certificate (EC) is the document that proves whether a land parcel in DNH and DD carries any mortgage, loan, or legal charge. Always request an EC covering 30 years before buying. This guide covers how to apply, what each form means, and what an EC misses.

Quick Reference

What is the Encumbrance Certificate in Dadra Nagar Haveli and Daman Diu?

Definition

The Encumbrance Certificate is an official document issued by the Sub-Registrar listing every registered transaction on a property for a specified period. It is governed by the Indian Registration Act, 1908, which applies across the UT of Dadra Nagar Haveli and Daman Diu.

The EC answers one question: does this property carry any registered financial or legal liability? If a loan was taken against it, the mortgage appears here. If it was sold to someone else, that deed appears here. If a court attached it, that order appears here. A clean EC covering 30 years is the most direct proof of unencumbered title you can get before buying in DNH and DD.

The WARNING for this UT is specific: cover 30 years. A 5-year EC will not reveal a mortgage registered 12 years ago. Many buyers request short-period ECs thinking they save time. They do not save anything. A mortgage from 2008 still legally encumbers the property today if no release deed was registered. The Sub-Registrar records going back 30 years are the only way to know the property is clean.

How to Get the Encumbrance Certificate in DNH and Daman Diu: Step-by-Step

For DNH land, the NGDRS portal at ngdrs.dnh.gov.in supports online EC generation. For Daman and Diu land, apply in person at the Sub-Registrar office. Have the survey number, village name, and the 30-year period dates ready.

Online method (recommended)

Open the NGDRS portal Go to ngdrs

dnh.gov.in. This is the official registration system for Dadra and Nagar Haveli, maintained by the Revenue Department. Register or log in as a citizen.

Navigate to Encumbrance Certificate Select the EC or document search section

Enter the property details: district, taluka, village, and survey number. Set the period start date to 30 years before today.

Pay fee and submit The system displays the applicable fee

: confirm exact EC fee at ngdrs.dnh.gov.in before applying.] Pay online and submit. An acknowledgement number is generated.

Download the EC Once processed, download the digitally signed EC from the portal

Check whether it is Form 15 (transactions found) or Form 16 (nil transactions). A Form 16 covering 30 years is what you want.

An EC issued today does not cover any transaction registered tomorrow. Request it as close to the closing date as possible.

Offline method (Sub-Registrar Office)

Go to the right office For DNH land, the Sub-Registrar office is in Silvassa

For Daman and Diu land, approach the Civil Registrar-cum-Sub-Registrar at daman.nic.in. Daman and Diu is not on NGDRS, so offline is the only route there.

Fill the EC application Submit property details: survey number, village, taluka, and the period covered

Set the start date 30 years back. Bring identity proof and a copy of the sale deed or Title Deed showing your interest in the property.

Pay fee and collect acknowledgement Pay the applicable fee at the counter

: confirm exact fee with the Sub-Registrar office.] Collect the acknowledgement slip with a reference number.

Collect the certificate Return when the EC is ready

Read every entry carefully before leaving. If Form 15 is issued (encumbrances found), ask for the registered release deed for each entry before proceeding.

For any mortgage entry, demand the satisfaction deed that cancels it. Its registration number must appear in a subsequent EC request.

What Does the Encumbrance Certificate Contain in Dadra Nagar Haveli and Daman Diu?

The EC records every registered transaction against the property for the period you specify, field by field.

Field Name	What It Means	What to Check
Property description	Survey number, village, area as registered	Must match the Title Deed exactly; any mismatch needs explanation
Owner name(s)	Name(s) of parties in each registered transaction	Trace the chain from original owner to current seller
Transaction type	Sale deed, mortgage, gift deed, release deed, court attachment	Every mortgage must have a corresponding release deed in the same EC
Document number and date	Sub-Registrar's registration number for each transaction	Cross-verify against the NGDRS search database for authenticity
Period covered	Start and end date of the EC search	Must be 30 years minimum; shorter periods leave older encumbrances unchecked
Form type	Form 15 (encumbrances found) or Form 16 (nil)	Form 16 for 30 years is the best outcome; Form 15 requires resolution before purchase

Good sign: Form 16 issued for a full 30-year period. No mortgage entry without a matching release deed. Owner name in the final entry matches the current seller exactly.

Common Issues With the Encumbrance Certificate in Dadra Nagar Haveli and Daman Diu

These are the specific EC problems that land buyers face in DNH and DD.

EC Covering Less Than 30 Years

The WARNING for this UT is explicit: cover 30 years. A short-period EC leaves older mortgages, attachments, and unresolved sales invisible. A seller who insists a 5-year EC is enough is protecting a gap, not simplifying a process.

Fix: Refuse any EC covering less than 30 years. Apply for the full period yourself if the seller will not.

Mortgage Found With No Release Deed

Form 15 showing a mortgage entry without a subsequent registered release deed means the loan is still legally active against the property. Buying in this state means inheriting the bank's claim.

Fix: Ask the seller for the registered mortgage satisfaction deed. Its registration number must appear on a fresh EC. Do not proceed until this is confirmed.

Daman and Diu Not on NGDRS

NGDRS is not active in Daman and Diu. Online EC generation through ngdrs.dnh.gov.in covers DNH only. Buyers of Daman or Diu properties who rely on the online portal will get no result, not a nil result.

Fix: For any land in Daman or Diu district, apply for the EC in person at the Civil Registrar-cum-Sub-Registrar office in Daman.

EC Does Not Show Unregistered Transactions

The EC only captures registered transactions. An unregistered family settlement, an oral agreement, or an informal partition will not appear. A clean EC does not guarantee no competing claim exists outside the registration records.

Fix: Pair the EC with the mutation record (Form 9) and the Title Deed chain to cross-verify ownership history through multiple document sources.

Stale EC Used at Closing

An EC covers up to the date it was issued. Any transaction registered after that date does not appear. Sellers sometimes show an EC obtained months earlier, which misses recent mortgages.

Fix: Always request a fresh EC within 30 days of the closing date. Do not accept any EC older than that for final due diligence.

Property Tax Dues Not Visible

The EC shows registered encumbrances only. Outstanding property tax, water charges, or panchayat dues do not appear. These liabilities follow the property and become the buyer's problem after purchase.

Fix: Check property tax payment records separately with the relevant municipal or panchayat authority before closing.

Why the Encumbrance Certificate Matters for Land Buyers in DNH and DD

The EC is the only document that shows the registered financial and legal history of a property in DNH and DD.

📋

Confirms No Active Mortgage A seller can hand over a Title Deed and still have an active bank mortgage on the same property

The EC is the only document that reveals this. No other document in the chain covers registered liabilities the way the EC does.

⚠

The 30-Year Requirement The UT's own guidance specifies covering 30 years

An older mortgage from 2000 is still legally binding today if no release deed was registered. Thirty years is not a suggestion; it is the minimum needed to confirm clean title in DNH and DD.

🏦

Mandatory for Bank Loans No lender in DNH and DD will disburse a land loan without a clear EC

Banks typically require a minimum 13 to 30 years of EC coverage. A Form 15 with unresolved entries blocks loan approval until the seller clears the encumbrance.

🔍

DNH-specific: NGDRS Online Availability Versus Daman and Diu Gap DNH buyers can generate the EC through ngdrs

dnh.gov.in. Daman and Diu buyers cannot. This gap means Daman and Diu transactions carry higher verification effort. Plan for the offline application process if your land sits on that side.

Red flag: A seller offering an EC covering less than 30 years, or an EC that is more than 30 days old at closing, is asking you to take on unknown risk. Insist on a fresh 30-year EC before any payment changes hands.

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Frequently Asked Questions

What is the Encumbrance Certificate in Dadra Nagar Haveli Daman Diu 2026?

The EC is issued by the Sub-Registrar and lists every registered transaction on a property for the period you request. It confirms whether the land carries any mortgage, legal charge, or prior sale. Always cover 30 years. Apply via ngdrs.dnh.gov.in for DNH land.

How many years should an EC cover before buying land in DNH and DD?

Thirty years minimum. A shorter period misses older mortgages that are still legally active. A loan taken in 2005 still encumbers the property today if no registered release deed was filed. The UT's own guidance for this document says to cover 30 years.

Can I get an Encumbrance Certificate online for Dadra Nagar Haveli?

Yes, for DNH land. NGDRS is fully implemented at ngdrs.dnh.gov.in and includes EC generation. For Daman and Diu land, NGDRS is not active. Applications for Daman and Diu EC must be made in person at the Civil Registrar-cum-Sub-Registrar office in Daman.

What is Form 15 and Form 16 in an Encumbrance Certificate?

Form 15 is issued when registered transactions like mortgages or court orders are found on the property for the period searched. Form 16, called a Nil EC, is issued when no such transactions are found. Form 16 covering 30 years is the outcome every buyer should aim for.

What does an EC not show about a property in DNH and DD?

It only covers registered transactions. Unregistered family partitions, oral agreements, and informal deals will not appear. Property tax dues, municipal charges, and panchayat arrears are also not captured. Always cross-verify with mutation records and property tax receipts separately.

Is the Encumbrance Certificate mandatory for a home loan in DNH and DD?

Yes. All banks and housing finance companies require a clear EC before disbursing any land or property loan. Most lenders insist on a minimum 13 to 30 years of coverage. A Form 15 with unresolved mortgage entries blocks loan approval until the seller clears the encumbrance.

What should I do if Form 15 is issued instead of Form 16?

Ask the seller for the registered mortgage satisfaction deed for each encumbrance listed. The satisfaction deed's registration number must appear on a fresh EC. Do not close the deal until all encumbrances are resolved and a clean EC confirms it.

How fresh must an EC be at the time of closing a land deal in DNH?

Request the EC within 30 days of the closing date. Any transaction registered after the EC issue date will not appear. Sellers who offer an EC obtained months earlier are hiding a gap. Insist on a fresh EC and verify it covers the full 30-year period.

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