What is a Possession Certificate and How to Apply?

What is Possession Certificate?

Municipal authorities issue a possession certificate once a building is completed and deemed suitable for living. The certificate states that the building has been constructed per the approved building plan and that the authorities carried out all necessary inspections. Once this certificate is obtained, people can legally occupy the building. Registering property transactions and applying for water, electricity, and sewerage connections is mandatory.

When purchasing a property from a reputable developer like Piramal Realty, obtaining a possession certificate is part of the streamlined process. Additionally, Piramal Finance ensures that the journey from loan application to payment is easy to understand and transparent. Their dedicated customer care team provides constant support, making the home loan process faster by efficiently evaluating required documents.

Importance of a Possession Certificate

A possession certificate holds much significance for both builders and home buyers. For builders, it signifies the completion of the project and enables the sale of units. For home buyers, it ensures there are no deviations from the approved plan and allows them to occupy the property without legal hurdles. Moreover, financial institutions sanction home loans only if this certificate is produced. It also facilitates the registration of property at the registrar's office.

Documents Required to Obtain Possession Certificate

The main documents required while applying for the possession certificate are:

• Approved building plan
• Property ownership documents
• No Objection Certificates from fire safety, environmental and airport authorities
• Completion certificate from architect and structural engineer
• Indemnity bond on stamp paper

How to Apply for Possession Certificate

Applying for a possession certificate is relatively simple and involves online application through municipal portals. Here are the key steps:

1. Visit Official Website

Visit the official website of the municipal corporation or urban development authority governing the area where the property is located.

2. Register/Login

Create an account or log in if registered on the portal.

3. Select Possession Certificate Application

Locate the relevant link/tab to apply for the possession or occupancy certificate.

4. Fill in Details

Provide all requisite details of the building, such as its area, floors, units, etc. Upload digitized copies of required documents.

5. Pay Fees Online

Pay the requisite application fees online via net banking, credit/debit card, UPI or other available payment modes.

6. Submit Application

Review the application details thoroughly and submit the application form for the possession certificate.

7. Receive Acknowledgment

You will receive an acknowledgement with a unique reference number on successful submission.

8. Track Application Status

The portal provides a facility to track the status of your possession certificate application. Applicants receive updates via SMS/email on approval. The certificate can then be downloaded from the portal or collected from the urban local body's office by showing the acknowledgement receipt.

How to Check Possession Certificate Application Status

There are two main ways to check the possession application status:

Tracking Application Status Through E-District Portal

The E-District portal allows you to quickly check the status of your possession certificate application online in a few simple steps. All you have to do is search for your state's E-District website, locate the municipal services section, click on 'Application Status Tracking', and fill in your application details like district name, municipal body, certificate type, reference number, registered phone/email, and view the latest status.

The portal shows stages like processing submitted applications, verification in progress, site inspection date, certificate printing underway, etc. You can also print the status or save it as PDF. Be sure to submit any additional documents promptly if shortcomings are flagged.

Checking Application Status on the Meeseva Portal

The Meeseva portal is an integrated platform for various government services and allows online tracking of possession certificate application status. First, you must register and log in to your state's Meeseva website. Next, choose the department as Panchayat Raj & Rural Development, the service category as Urban Local Body, and the service name as Possession Certificate. Then, fill in your correct reference number and security code, and click to track status.

The portal displays the latest stages, whether processing, site inspection, approval, certificate issue, or connection services are available. It also shows any query raised or documents needed from your end. Submit any dues promptly to resolve them and get your legal possession certificate without delay.

Conclusion

The possession certificate is a pivotal legal document affirming one's rights over a property before occupancy. It must be diligently obtained by completing the application process well in time. Tracking its status online and taking prompt action if any shortcoming is informed ensures fast approval. Verify that all builder commitments are met before accepting the certificate. This ensures a smooth transition into one's dream home.

Disclaimer- This article is based on the information publicly available for general use as well as reference links mentioned herein. We do not claim any responsibility regarding the genuineness of the same. The information provided herein does not, and is not intended to, constitute legal advice; instead, it is for general informational purposes only. We expressly disclaim /disown any liability, which may arise due to any decision taken by any person/s basis the article hereof. Readers should obtain separate advice with respect to any particular information provided herein.