Tamil Nadu Property Tools

Stamp Duty Calculator
& EC Verifier

Three tools in one place — calculate government charges, verify property legal history through TNREGINET, and check RERA registration status with AI-powered live search. Free, instant, no login.

Property Details
Enter the sale agreement value or guideline value — whichever is higher
Current TN Rates (2026)
Cost Breakdown
Property Value —
Stamp Duty Rate —
Stamp Duty Amount —
Registration Fee Rate —
Registration Fee —
Total Government Charges
—
— % of property value
Stamp Duty
—
Registration
—
💡 Home Loan Implication
—
⚠ These are indicative calculations based on standard TN 2026 rates. Actual charges depend on the guideline value of your specific property. Always confirm with the Sub-Registrar Office.
What Is an EC?
An Encumbrance Certificate (called Villangam in Tamil) is a legal document showing all registered transactions on a property for a given period — loans, mortgages, sales, gifts. A clean EC means the property is legally safe to buy.
How to Check EC on TNREGINET
Free to view online — no login needed for basic search. Takes 2 minutes.
1
Go to TNREGINET Portal
Visit the official Tamil Nadu Registration Department portal. No login required to view EC.
→ tnreginet.gov.in/portal
2
Click E-Services → Encumbrance Certificate
In the top menu, go to E-Services → Encumbrance Certificate → View EC (not Apply EC).
3
Enter Property Details
Select your Zone, District, Sub-Registrar Office. Enter the Survey Number and Subdivision. Set the date range — use at least 15 years back, ideally 30 years.
4
Enter Captcha & Search
Complete the captcha and click Search. The EC will display all registered transactions instantly. You can download as PDF for free.
5
Read What You Get
The EC shows each transaction: who sold, who bought, what value, when, and if any loan/mortgage is attached. A Nil EC means no encumbrances — safest to proceed.
EC Safety Checklist
What to look for when reading the EC document.
✅
Nil EC — No Entries
Property has no registered loans, disputes, or transfers in the period searched. Safest possible outcome.
✅
Chain of ownership is clear
Each sale leads logically to the next. Seller in deed matches buyer in previous deed. No gaps in ownership chain.
✅
Mortgage discharged (satisfied)
A previous home loan shows but is marked "discharged" or "satisfied" — seller paid it off. Safe to proceed.
⚠️
Active mortgage / hypothecation
Seller has an outstanding home loan on this property. They must clear it before selling, or the bank must issue a NOC. Do not proceed without NOC.
⚠️
Gaps in ownership chain
Seller in current deed does not match buyer in previous deed. Could be name mismatch (check with seller) or a missing deed — get legal advice.
🚫
Court attachment / lis pendens
Property is under court order or litigation. Do NOT proceed until fully resolved. This is a red flag requiring legal opinion.
Quick EC Search
Enter your property details below — we'll open TNREGINET directly with your district pre-filled.
🔗 Open TNREGINET Portal →
Opens the official government portal.
Go to E-Services → Encumbrance Certificate → View EC and enter the details above.
What You Need Before Searching
◆Zone and District of the property
◆Sub-Registrar Office name (ask seller)
◆Survey number & subdivision (from sale deed / Patta)
◆Village / Town name
◆Date range — go back at least 15 years
EC Keyword Analyser
Paste Your EC — We'll Interpret It
Copy the text from your TNREGINET EC download and paste it below. Paste the EC text you downloaded from TNREGINET. The engine will scan it for mortgages, court orders, discharge entries, and ownership issues — and give a verdict instantly.
Advantic Intelligence Advisor is reviewing your EC...
Your data is not stored. Analysis is for informational guidance only — not legal advice. For official verification, consult a property lawyer or the Sub-Registrar Office.
What RERA Tells You
RERA registration is the first thing to check before booking any flat, villa, or plotted layout in Tamil Nadu. An unregistered project cannot legally sell to you.
✓
Project is legally registered
Builder is allowed to advertise and sell. Registration number is genuine.
✓
Completion date committed
RERA shows the committed handover date. Delays beyond this give you legal remedy.
✓
Units sold vs available
You can see how many units are booked — tells you project viability and builder financial health.
⚠
Complaints filed
Any buyer complaints registered against this builder or project are public. Multiple complaints = red flag.
🚫
Expired or cancelled registration
If registration lapsed and builder did not renew, the project is in legal limbo. Do not book.
TN RERA Number Format
TN/01/Building/0001/2023
TN — Tamil Nadu state
01 — District code
Building / Layout — Project type
0001 — Sequential number
2023 — Year of registration
Builder must display this number on every advertisement, brochure, and sale agreement. If they refuse to share it — do not buy.
Check Manually on TNRERA
If you want to go directly to the government portal.
1
Go to TNRERA Portal
Visit the official Tamil Nadu RERA portal — no login needed to search registered projects.
→ rera.tn.gov.in
2
Registration → Registered Projects → Tamil Nadu
Choose Building for apartments/villas or Normal Layout for plotted developments.
3
Select Year and Find Your Project
Projects are listed year-wise. Select the registration year and scroll to find your project by name or RERA number.
4
Click the Project Name to See Full Details
Full registration, sanctioned plan, completion date, number of units, quarterly updates, and any extensions granted are all visible.
RERA Format Validator & Checker
RERA Project Checker
Enter the RERA number, project name, or builder name. We validate the format, build your TNRERA search links, and show you exactly what to verify — with red flags to watch out for.
Searching TNRERA and the web for this project...
This uses live web search to find RERA records — not a cached database. Results reflect what is publicly available. Always verify on rera.tn.gov.in for official confirmation.
After Confirming RERA
RERA is just the first check. A complete due diligence has 4 more steps.
01
EC of land — verify builder owns the land, no active mortgage on the plot
02
Building plan approval — CMDA/DTCP approved plan matches floors being sold
03
Land classification — land is residential-zoned, not agricultural or CRZ
04
Occupancy Certificate — get OC before taking possession, banks require it for disbursement
→
Advantic reviews all 5 checks — as part of your free home loan analysis, we flag any issues before your bank application
⚡ Get Full Property + Loan Analysis →
Now You Know the Full Cost
Add stamp duty + registration to your budget.
Then find out your actual loan eligibility.

Most buyers plan for the property price but forget the 11% government charges. Our AI analysis shows your true eligibility — including how much extra cash you need beyond the loan for stamp duty, registration, and interiors.

⚡ Free Eligibility Analysis → 💬 Ask on WhatsApp