Buyer guide · Mumbai
OC and CC: full form, meaning, and how to check them for a Mumbai flat
What the Occupation Certificate and Commencement Certificate mean in Mumbai, how to check a project’s CCs on MahaRERA, what to look for in an OC, and your rights under the RERA Act.
By Ashwin · Updated · Not legal advice
The two certificates
| CC | OC | |
|---|---|---|
| Full form | Commencement Certificate | Occupation (or occupancy) Certificate |
| What it allows | Building work, up to the floors it names | Living in the building, or the part it names |
| When | Before work starts, then again as floors are added | After the building is finished and inspected |
| Who issues it | The planning authority: in Mumbai, usually the BMC; for slum schemes, the SRA | The same authority |
| Where to see it | MahaRERA project page | Ask the builder or society for a copy |
The RERA Act defines an occupancy certificate as the certificate permitting occupation of a building under local laws, which has provision for water, sanitation and electricity (section 2(zf)).
1Check the CC on a new project
A project can sell flats on floors its permit doesn’t yet cover. That is normal early on, but a permit that stays at the basement for a long time is a question to ask.
- Time
- 5 min
- Cost
- Free
How to check
- Open the project on MahaRERA (how to find it).
- Find Commencement Certificate / NA Order Documents Details. Each row is a CC, with its date and the document.
- Check the column Is CC One Year Old, and look for a later CC or renewal if it says yes.
- On newer pages, the building table’s CC Issued up-to (No. of Floors) shows how far the permits reach. Compare it with the sanctioned floors and with your floor.
Watch out for
- A CC that names only the plinth or basement, with no later one, on a project selling upper floors.
- A last CC more than a year old, with no renewal on record.
- A sales team that can’t tell you which CC covers your floor.
2Check the OC before possession
Without an OC, the building isn’t cleared to live in. With a part OC, only the wings or floors it names are.
- Time
- 10 min
- Cost
- Free
- Where
- Builder, or the society for a resale flat
How to check
- Ask for a copy of the OC before you take possession, or before you pay for a resale flat.
- Check who issued it and when: it should come from the planning authority, not the builder.
- Check it names your building and wing, and that it covers your floor. A part OC lists what it covers.
- Note the date: from it, you have two months to take possession (RERA Act, section 19(10)).
Watch out for
- Possession offered with the OC “applied for” but not issued.
- A part OC that covers other floors or wings, but not yours.
- For a resale flat, a building that never received an OC. Ask a property lawyer before you go ahead.
What we found
Building permits, from our reports. Each was read on MahaRERA or in the permit itself.
| Project | Building permit (CC) |
|---|---|
| Godrej Nurture | Ran to Jun 2025. Plinth-level CC; no later CC on MahaRERA as of 30 Sep 2026 |
| Raheja Antares | To the basement. BMC’s CC, last endorsed Apr 2025; none later on MahaRERA as of 30 Sep 2026 |
| Runwal Meadows | To the basement slab. BMC’s CC of 6 Mar 2026, valid to 5 Mar 2027 |
| Lodha Corinthia | Valid to 12 Sep 2026. No renewal on MahaRERA as of 29 Sep 2026 |
A permit that hasn’t moved isn’t proof of a problem, but it is a question for the builder before you pay.
The checklist
| Check | Where | Time |
|---|---|---|
| Which CC covers your floor | MahaRERA project page | 5 min |
| Latest CC under a year old, or renewed | MahaRERA project page | 2 min |
| A copy of the OC | Builder or society | — |
| OC covers your wing and floor | The OC | 5 min |
| Possession within two months of the OC | Your calendar | — |
See it for a project
Our reports read every permit on record for a project and say how far it reaches. Each project’s preview is free.
More checks before you pay: what to check before the token.
Sources
- The Real Estate (Regulation and Development) Act, 2016: sections 2(zf), 11(4)(b) and 19(10).
- MahaRERA project pages, maharera.maharashtra.gov.in, used 8 Oct 2026.
- Permit findings: our reports, from MahaRERA filings and the permits on record.