Indialends, 01 Oct 2025

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Occupancy Certificate

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An Occupancy Certificate is one of the mandatory documents that evidence the completion of the building as per the approved plan and compliance with local laws. The local municipal authority issues this certificate once the construction of the building is done and is ready to be occupied within 30 days after the submission of the application form.

Importance of an Occupancy Certificate

Occupancy Certificate is one of the mandatory documents to be submitted while availing of a home loan. It is important to obtain this certificate, as without it a buyer cannot legally occupy the purchased property. For a homeowner, this certificate acts as a legal document of the property. Without an occupancy certificate, the local authority can initiate any legal action and declare the property as illegal. Additionally, this certificate will also be required if you want to sell your property.

Who can apply for an Occupancy Certificate?

The builder/developer and the owner of the house/flat can apply for a Certificate of Occupancy.

How to obtain an Occupancy Certificate?

The Certificate of Occupancy can be obtained from the local authority after the submission of the application form once the construction of the building is complete. To get this, you will need the below-listed set of documents:

• Commencement Certificate
• Completion Certificate
  
• No Objection Certificate (NOC) for fire and pollution
• Built and section plan
• Latest tax paid receipt with the tax assessment
• Photographs of the completed project
• Pictures of solar panels and rain harvesting
• Copy of the sanctioned plan
• Calculation sheet of the floor area signed by an architect

Difference Between Occupancy Certificate & Completion Certificate

Occupancy Certificate examines and certifies that a property is constructed and abides with the bylaws, civic amenities, electricity, sanitation, and other clearances. On the other hand, Completion Certificate is a document that certifies that a property is fit for possession by the buyers. The legal possession of the flat/house by the owner is valid only after obtaining the Occupancy Certificate. On the other hand, obtaining a completion certificate does not mean that the owner of the flat/house can legally occupy and possess it.