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Image: TOIIn many ways, India has gone from bad to worse in the last five years.Cows have become more important than women, children and Muslims. In fact, even Hindus are not immune from the wrath of cow vigilantes. In December, Inspector Subodh Kumar was killed in Uttar Pradesh’s Bulandshahr for investigating cow related murder.[1] [2]Murderers are being garlanded for lynching the minority people. The BJP leader, Jayant Sinha glorified those who took the law into their own hands and killed those they suspected of being associated with killing cows[3]These days, abuse and hate speeches are increasing dramatically and becoming common place in India. For instance, data collected by a news channel found that hateful language used by politicians has increased by whopping 500% in the past four years.[4]Who would have thought that people and leaders of the ruling party would be organizing rallies for rapists and murderers of innocent children. I thought Beti Bacho was about protecting our daughter. I guess I was wrong. An eight year old Asifa Bano was brutally raped and murdered in a temple. When the culprits were arrested the local BJP leaders turned this into a Hindu-Muslim issue and pitched in to save the culprit.[5]Dissent has been criminalized. Opponents of the government are being called traitors, urban naxals and anti-nationals. Any criticism of the government is being equated to treason. Either you are with the government or you are an anti-national. Bigotry and hate have been presented as nationalism. [6]The agriculture sector in huge distress. Farmers are still committing suicides. For instance, farmer suicides in Maharashtra have doubled in the last five years under this government.[7] [8][9]Unemployment in India is all time high. Instead of offering solution, the data is being manipulated. False narratives are being built. The PM Modi is leading from the front. In one of his interviews, he suggested that selling Pokados as a form of employment. [10]The situation is very bad. I was shocked when I learned that over 3,700 PhD holders applied for peon job in UP. This is not a one off incidence.[11] Yesterday, Raj Thackeray exposed government’s bogus digital village campaign in Solapur rally.[12]More than 40 CRPF soldiers lost their lives in a dastardly suicide attack in Pulwama. The intelligence failure was monumental. It raised many questions but government thinks that it is not answerable to anyone.[13] Not even the family of martyrs. It has used the sacrifice of soldiers for political gains. This government has exhibited moral and ethical bankruptcy. [14]The political discourse in India has turned to toxic in the last five years. Accusations and counter accusations laced with abuse, hate and mockery are hurled at each other with total disregard to the facts. Personal attacks aren't new but these days they include family members dead and alive.[15] Today, another politician said that Muslims can be identified by removing their clothes. [16] In another instance, a senior leader made a vile comment on female politician. [17]Violence has become a form of communication among leaders of this government. Their leaders are slapping each other with shoes to resolve a simple conflict. [18]In another instance in Jalgoan, the followers of two leaders thrashed each other on stage.[19]Open threats of eliminations are being issued for particular communities. The government want grant citizenship to illegal migrants except Muslims into India from Afghanistan, Pakistan and Bangladesh.[20] [21]This is the first time in the independent history of India that a Prime minister has lied blatantly. AltNews, a fact checker website, has briefly documented lies and half truths spoken by PM Modi. From false claims to conspiracies to pseudo science, he has explored all avenues to misinform people.[22]The Swatch Bharat Campaign is restricted to Photoshop, Cameras and WhatsApp. The project Namami Gange is a massive failure.[23] A recent podcast showed that River Ganga was incredibly polluted. The Sankat Mochan Foundation lab located in Varanasi exposed lie peddled by the government. The cleanliness shown in the pictures was restricted to the main ghat and the street that leads to it. The other ghats were as dirty as before. The sewage water still mixed with the river at many places. [24]The Smart Cities project has flopped completely. Forget about the promised number of 100 smart cities. I have yet to see one smart city. Instead of smart cities, the government has wasted its money on creating small enclaves and pockets. That too is slow. The government is so serious that it has spent only 1.83% of the allocated funds.[25]The Make in India and Skill India projects haven’t taken off at all.The demonetization has flopped spectacularly. It has resulted into loss of GDP, loss of employment, loss of life and severe farmer distress. Not to mention that it has had absolutely no impact on black money.[26][27]The implementation of GST has been disastrous for small businesses.The Rafale deal seems like India’s first attempt at international corruption. Firstly, it replaced a perfectly suitable offset partner (HAL) with an inexperienced company belonging to a friend. Secondly, sovereign guarantees were waived and parallel negotiations were conducted. The price was increased dramatically without any explanation. After being dragged to the court, the government flip-flopped. Once it said the documents were stolen and then reverted to saying that photocopies were stolen. It lied to the Supreme Court and then described it as a grammatical error. Now we learn that the friend has received tax waivers worth 143 million Euros.[28]One of the BJP leaders told a reputed journalist that if electoral bond were made public, it will unearth the entire Rafale Scam.[29]The frauds like Nirav Modi, Mehul Choksi and others have safely flown to foreign shores after liberally looting the banks. They were allowed to flee by diluting the look notices. When they were safe and far away from India investigative agencies, a drama of raids was conducted to gain public sympathy. Even today they are at large. [30] [31]That's just the tip of iceberg. Not many people know that as many as 36 businessmen have fled the country under the patronage of this government. [32]Unprecedented amount of corporate loans have written off to help cronies who would then funnel them back to party funds. A whopping Rs 1,56,702 crore of non-performing loans were written off in year 2018 itself. Have you heard anyone complaining. This is met with steely silence. But farmers are being called free loaders. It happens only in India. [33]The government has introduced an opaque instrument of political funding to protect donors for prosecution.[34] [35]For the first time a government has lied to the Supreme Court.Ruthless politicization of army and sacrifice of the soldiers.[36]The independence of RBI has been undermined by the government.[37]CBI has been sabotaged from within by the government.[38]The Election Commission of India is helpless and toothless.The government data is being fudged to mislead people.[39]Crony Capitalism has reached new levels in the last five years.The economic disparity has widened significantly.The pseudo science has a separate ministry and funding.Godmen have become businessmen, brokers and economists.Lies and misinformation is spread with reckless confidence.The Kashmir situation has worsened significantly in the last five years.The nationalist government is ready to go to any extent to stay in power even it requires them to make an alliance with terrorist sympathizers. This government is happy to share power with very people who supported Afzal Guru. [40]Horse trading in politics has been renamed to Chanakya Niti.[41]As EVM tampering was not enough, mass deletion of names from voter lists have been become a regular feature in the last five years.[42] [43]Just a couple of days back, 7.8 crore users' data allegedly stolen for voter profiling. The result of which is being associated with deletion of names from voter lists. [44]Now the government is asking for votes in name of religion and army without the care for consequences.[45]The ministers are openly threatening people to vote for them or face consequences.[46] [47]Now leader is the sole person to be credited with each and every achievement of Army, ISRO, DRDO, RBI and SC.Thousands of crores have been criminally wasted to erect useless statues.[48]Thousands of crores have been blown off in adverting and marketing the supreme leader.[49]India has become worst country for women in the world.[50]India is ranked 140 on index of 156 countries in world happiness index.Most importantly, hero worship has reached unprecedented levels where leaders have become Gods and avatars. The blind worship has become a cool thing and encouraged with blatant display of hate and sycophancy.Footnotes[1] 'A cow's life is more precious than a human being's'[2] Death of a cow more important than a cop: Naseeruddin Shah[3] Union minister Jayant Sinha garlands 8 lynching convicts, faces opposition flak - Times of India[4] Under Modi Government, VIP Hate Speech Skyrockets - By 500%[5] Flag rally with police support in favour of ‘rapist, murderer’ is shameful, says Joint Resistance [6] Urban Naxals and Anti-Nationals: What’s a Democracy Without Its Dissenters?[7] 'Farmers committing suicides everyday under Modi govt'[8] Farmers committing suicides everyday as Modi govt not keeping promise: Rahul[9] Maharashtra farmer suicides have nearly doubled under BJP govt, drought to blame[10] India's unemployment rate hit 45-year high in 2017-18: report - ET Auto[11] Over 93,000 candidates, including 3,700 PhD holders apply for peon job in UP[12] UNCUT | Raj Thackeray | राज ठाकरेंचे सोलापूर येथील संपुर्ण भाषण | सोलापूर | एबीपी माझा[13] Post Pulwama attack, 10 hard questions for the Narendra Modi government[14] More veterans oppose ‘politicisation’ of Army[15] Redirect Notice[16] ‘Muslims can be identified by removing their clothes’: Kerala BJP chief sparks row[17] BJP Tears Into Azam Khan For "Khaki Underwear" Comment Against Jaya Prada[18] Shoe shoe main main: BJP MP thrashes BJP MLA in Uttar Pradesh as cops look on[19] BJP Workers Clash At Maharashtra Minister's Rally Over Candidate Change[20] Tweeting discord: One of the BJP's strengths is being bullishly bullying online[21] BJP on Twitter[22] Half truths and whole lies - ten times PM Modi misled the nation in 2017 - Alt News[23] Avinash Deshmukh (अविनाश देशमुख)'s answer to Why did Narendra Modi’s government fail to clean Ganga?[24] #BBCRiverStories । Dhruv Rathee on development in Narendra Modi's constituency Varanasi (BBC Hindi)[25] The Modi Years: How close is India to getting 100 Smart Cities?[26] Avinash Deshmukh (अविनाश देशमुख)'s answer to What is your view on ex-Election Commission Chief Mr. OP Rawat's " demonetization had absolutely no impact on black money?"[27] Avinash Deshmukh (अविनाश देशमुख)'s answer to Is there (already) a factual proof that demonetization in India is Success/Failure?[28] Avinash Deshmukh (अविनाश देशमुख)'s answer to What are your views on French authorities making a settlement for 7.3 million euros instead of 143.7 million euros with Reliance immediately after the announcement of the Rafale deal?[29] Swati Chaturvedi on Twitter[30] Avinash Deshmukh (अविनाश देशमुख)'s answer to Why is Nirav Modi still a free man?[31] Avinash Deshmukh (अविनाश देशमुख)'s answer to Why is Mehul Chowksi not being extradited from Antigua?[32] Not only Mallya and Nirav, 36 businessmen fled from country in recent past, ED informs court[33] Bad loans: 80% of write offs in decade came in last five years[34] Electoral bonds: Opaque, misleading[35] Poisonous bonds: Electoral bonds must be transparent, or go[36] Veterans Ask President to Urge Parties to Stop Using Military for Political Gains[37] ‘Undermining RBI’s independence can have a catastrophic impact’[38] How Alok Verma was removed as CBI director[39] 108 economists, social scientists raise doubts on credibility of govt data[40] Page on google.com[41] 'Horse-trading is in the BJP's DNA'[42] Raghav Chadha on Twitter[43] Opposition threatens to move Supreme Court over EVM, VVPAT unreliability[44] Mirror Now on Twitter[45] "If the Congress, the SP and the BSP have faith in Ali, then we too have faith in Bajrang Bali," UP CM Adityanath » Northeast Today[46] Maneka Gandhi warns Muslim voters in Sultanpur[47] Sakshi Maharaj threatens to curse those who won’t vote for him - Times of India ►[48] Avinash Deshmukh (अविनाश देशमुख)'s answer to What are your views on government spending RS. 2989 crores on a statue of Sardar Patel?[49] Modi Govt Has Spent Rs 4,880 crore on Ads Since 2014, Parliament Told[50] How India Became The World’s Most Dangerous Country For Women

An encumbrance certificate is a certificate issued by the sub-register office of revenue department. An encumbrance certificate popularly knows as EC.Encumbrance certificate is one of the vital document to verify before we buy the property. An EC helps to verify,Mortgage liabilityCourt attachmentOwnershipProperty scheduleRegistration date and allotment numberMarket price and consideration priceDeed type (Acquired through sale deed, gift deed or inherited)History of registered transactions & change of ownershipsIf the property has been encumbered with mortgage and court attachment, property has no marketing title and cannot entitle to sell.If the property has not encumbered, it has a clear marketing title to sell & buy.The encumbrance certificate is usually issued in 2 forms: Form 15 or Form 16Form 15: is issued when the property has any encumbrance during the said period, Nature of encumbrance could be gift, partition, loan, lease, legality, and parties involved in dispute.Form 16: is issued when the property doesn’t have any encumbrance during the said period. Also, know as NIL ENCUMBRANCE CERTIFICATE (NEC). Having a clear marketing title to sell.An EC is not only helpful to verify the property while buying. It is also an important document for several other purposes. Listed below for your consideration.Loan applicationExtract the information to draft sale agreement & sale deedProperty tax applicationKhata transfer applicationTherefore, an EC is mandatory at every part of property dealing that could be verification, loan, drafting the deal, obtaining property tax, khata, and submitting ownership proof to tenant at the time of renting or leasing the property, etc..One can obtain an EC for up to last 30 years,For property verification, It's always safe to obtain the EC till current date. Only current dated EC provides up to date transactions, avoid old dated EC.An EC looks like below image,An EC consist of 9 columns. here is the description of each column of an EC.In Karnataka (including Bangalore), a property registered after 2004, can obtain EC online. Here is the step by step procedure to obtain your EC online.Step 1: Open the website Kaveri online servicesStep 2: New users should register. Click “Register as new user”. Below image with circle for your reference.Step 3: Fill the registration form. Filling the registration form is very easy. It just needs your name, gender, county, permanent address, mobile number, email id, and anyone ID proof number that could be PAN, driving license, or aadhaar number. Below registration form image for your reference.Password recovery question.User name, password, and activation code sent to your mobile number through SMS.Meanwhile, the web page will automatically direct to activation page as below.Enter the activation code received through SMS or email,This completes the registration process.You will be auto directed to home page, to enter user name and password.Step 4: Login and Click online EC (Black circled in below image)Step 5: An EC application form can be filled either by property number or party name (Buyer or seller). Both the options have been circled in below image.To fill the application form, you should have your sale deed handy. Details require likeRegistration date: is located at 1st page of sale deed.Party name: Buyer or seller name, locate the party name at 1st page of Sale deed.Property details (address): Refer to the schedule section of sale deed.Property number: Survey number, Katha number, Site number. corporation number etc…So on, you can search the EC by using multiple numbers alloted for independent buildings, apartments, and land.Step 6: Let me explain in detail about filling the application form by using the option “search by party name” because this option of application form has less to fill and better accuracy. Below is the step by step procedure.Click on “search by party name” Below image with circle for your reference.Property registration duration (Registration date): Select from date and to date. To locate the registration date, refer to the 1st page of sale deed. Below image with circle for your reference.When you select the registration date, select one day before and one day after the registration date. For example, if property registered on 6th June. Select the date as 5th June and to date as 7th June.Property details: You have to type the district name. Next select village name from the drop-down list.District name and village name are found at schedule section of sale deed. Below image of schedule section of sale deed for your reference.Party Name: Type buyer or seller name.Click at “Check to apply for digitally signed EC” and click the button “search”. Refer the below image with circleAt next page, an application number will be allotted. Click “Proceed” button to move ahead. Below image for your reference.Step 7: At next page, Application form and watermarked EC will appear. Below image for your reference.If the details in watermarked EC is correct, proceed with payment.Step 8: Make the payment. Rs. 40/-. as below imageStep 9:Transaction receiptStep 10: Submit the application. Refer the below.Step 11: You will receive an SMS in same day that your application has been accepted. Below image for your reference.Step 12: Within 2 days, you will receive another SMS that your EC has been signed and uploaded. Below image for your reference.Step 13: Go to home page of kaveri onlile services and click the icon “pending and saved application” (Below circled image for your reference).Step 14: In-service type, select “online EC application”. Below image for your reference. Here you can check the status of an application and download EC.This completes the online procedure of applying for EC.When you verify the property. there are few other insights that don’t cover under EC. Some of the insights for your consideration.Unsecured loanEncroachmentMany aspects of litigation.Family tree and their rightsLand conversion statusMost people have the misconception that current owner’s details will be mentioned in EC but please be noted, EC will show only registered owner and registered transaction. You will have no idea if the property has been bought or sold without registration or under agreement with someone without registration.Current owner’s details may not reflect if it is inherited propertyCurrent owner’s details may not reflect if it assigned through court order.If you are purchasing the property, Better extract the EC on your own. Never be depend on seller or builder to issue EC, because EC can be tampered or facked.Hence verifying EC alone is not clear enough to take your buying decision. Check all the possible documents pertaining to property. Inspect the property at multiple days at multiple time frames. Talk to neighbors, family members, and have a lawyer beside you for critical deals.Here is the list of other possible documents to verify apart from EC.Mother deedSale deedKhata transferoccupation certificateTax paid receiptRTC extractLayout planDevelopment authority approvalNo objection certificate from bank if the property was bought on loanNo objection certificate from housing society in case resale propertyAadhaar of sellerand many more possible documents depends on type of property like land, independent building, or apartment.In Karnataka, we provide the service of Encumbrance certificate extract and document verification. To opt for our service, please Whatsapp 9 7 4 2 4 7 9 0 2 0.Thank you for reading…

An encumbrance certificate is a certificate issued by the sub-register office of revenue department. An encumbrance certificate popularly knows as EC.Encumbrance certificate is one of the vital document to verify before we buy the property. An EC helps to verify,Mortgage liabilityCourt attachmentOwnershipProperty scheduleRegistration date and allotment numberMarket price and consideration priceDeed type (Acquired through sale deed, gift deed or inherited)History of registered transactions & change of ownershipsIf the property has been encumbered with mortgage and court attachment, property has no marketing title and cannot entitle to sell.If the property has not encumbered, it has a clear marketing title to sell & buy.Encumbrance certificate is usually issued in 2 forms: Form 15 or Form 16Form 15: is issued when the property has any encumbrance during the said period, Nature of encumbrance could be gift, partition, loan, lease, legality, and parties involved in dispute.Form 16: is issued when the property doesn’t have any encumbrance during the said period. Also, know as NIL ENCUMBRANCE CERTIFICATE (NEC). Having a clear marketing title to sell.An EC is not only helpful to verify the property while buying. It is also an important document for several other purposes. Listed below for your consideration.Loan applicationExtract the information to draft sale agreement & sale deedProperty tax applicationKhata transfer applicationTherefore, an EC is mandatory at every part of property dealing that could be verification, loan, drafting the deal, obtaining property tax, khata, and submitting ownership proof to tenant at the time of renting or leasing the property, etc..One can obtain an EC for up to last 30 years,For property verification, It's always safe to obtain the EC till current date. Only current dated EC provides up to date transactions, avoid old dated EC.An EC looks like below image,An EC consist of 9 columns. here is the description of each column of an EC.In Karnataka (including Bangalore), a property registered after 2004, can obtain EC online. Here is the step by step procedure to obtain your EC online.Step 1: Open the website Kaveri Online ServicesStep 2: New users should register. Click “Register as new user”. Below image with circle for your reference.Step 3: Fill the registration form. Filling the registration form is very easy. It just needs your name, gender, county, permanent address, mobile number, email id, and anyone ID proof number that could be PAN, driving license, or aadhaar number. Below registration form image for your reference.Password recovery question.User name, password, and activation code sent to your mobile number through SMS.Meanwhile, the web page will automatically direct to activation page as below.Enter the activation code received through SMS or email,This completes the registration process.You will be auto directed to home page, to enter user name and password.Step 4: Login and Click online EC (Black circled in below image)Step 5: An EC application form can be filled either by property number or party name (Buyer or seller). Both the options have been circled in below image.To fill the application form, you should have your sale deed handy. Details require likeRegistration date: is located at 1st page of sale deed.Party name: Buyer or seller name, locate the party name at 1st page of Sale deed.Property details (address): Refer to the schedule section of sale deed.Property number: Survey number, Katha number, Site number. corporation number etc…So on, you can search the EC by using multiple numbers alloted for independent buildings, apartments, and land.Step 6: Let me explain in detail about filling the application form by using the option “search by party name” because this option of application form has less to fill and better accuracy. Below is the step by step procedure.Click on “search by party name” Below image with circle for your reference.Property registration duration (Registration date): Select from date and to date. To locate the registration date, refer to the 1st page of sale deed. Below image with circle for your reference.When you select the registration date, select one day before and one day after the registration date. For example, if property registered on 6th June. Select the date as 5th June and to date as 7th June.Property details: You have to type the district name. Next select village name from the drop-down list.District name and village name are found at schedule section of sale deed. Below image of schedule section of sale deed for your reference.Party Name: Type buyer or seller name.Click at “Check to apply for digitally signed EC” and click the button “search”. Refer the below image with circleAt next page, an application number will be allotted. Click “Proceed” button to move ahead. Below image for your reference.Step 7: At next page, Application form and watermarked EC will appear. Below image for your reference.If the details in watermarked EC is correct, proceed with payment.Step 8: Make the payment. Rs. 40/-. as below imageStep 9:Transaction receiptStep 10: Submit the application. Refer the below.Step 11: You will receive an SMS in same day that your application has been accepted. Below image for your reference.Step 12: Within 2 days, you will receive another SMS that your EC has been signed and uploaded. Below image for your reference.Step 13: Go to home page of kaveri onlile services and click the icon “pending and saved application” (Below circled image for your reference).Step 14: In-service type, select “online EC application”. Below image for your reference. Here you can check the status of an application and download EC.This completes the online procedure of applying for EC.When you verify the property. there are few other insights that don’t cover under EC. Some of the insights for your consideration.Unsecured loanEncroachmentMany aspects of litigation.Family tree and their rightsLand conversion statusMost people have the misconception that current owner’s details will be mentioned in EC but please be noted, EC will show only registered owner and registered transaction. You will have no idea if the property has been bought or sold without registration or under agreement with someone without registration.Current owner’s details may not reflect if it is inherited propertyCurrent owner’s details may not reflect if it assigned through court order.If you are purchasing the property, Better extract the EC on your own. Never be depend on seller or builder to issue EC, because EC can be tampered or create fake document.and many more hidden issuesHence verifying EC alone is not clear enough to take your buying decision. Check all the possible documents pertaining to property. Inspect the property at multiple days at multiple time frames. Talk to neighbors, family members, and have a lawyer beside you for critical deals.Here is the list of other possible documents to verify apart from EC.Mother deedSale deedKhata transferoccupation certificateTax paid receiptRTC extractLayout planDevelopment authority approvalNo objection certificate from bank if the property was bought on loanAadhaar of sellerand many more documents depends on type of property like land, independent building, or apartment.We provide the service of extracting EC in Karnataka, To opt for our service, please write to us. Our contact in our profile description or google search PGN Property management, Bangalore.All the best for your purchase…