24 documents to check before booking, at agreement, at possession and at registration. Never miss a document again. Share with family and your lawyer.
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How to use this checklist: Go through each stage in order. Do not proceed to the next stage without completing the previous one. If any document is missing, it is a red flag. Consider hiring a property lawyer (Rs 10,000–25,000) to review all documents — worth every rupee on a crore-plus investment.
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BEFORE BOOKING
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✅ RERA Registration Certificate
Verify on official state RERA portal (.gov.in). Reject any project not listed.
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✅ Builder Track Record
How many projects delivered on time in last 5 years? Use our Builder CIBIL Score.
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✅ Title Deed of Land
Builder must own or have development rights for the land. Ask for original title deed.
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✅ Layout Plan Approval
Approved by local authority (NOIDA, HUDA, BDA etc.). Check plan matches what is shown.
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✅ Environment Clearance (EC)
Required for projects over 20,000 sqm. Check MoEF approval number.
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✅ Bank Approval for Home Loan
If major banks (SBI, HDFC, ICICI) have approved the project for home loans, it means basic due diligence is done.
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AT BOOKING / AGREEMENT
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✅ Builder Buyer Agreement (BBA)
Must include: carpet area, possession date, penalty clause for delay, amenities list, payment schedule.
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✅ Carpet Area Mentioned Clearly
Under RERA, carpet area must be stated. If only super area is mentioned, insist on carpet area addition.
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✅ Possession Date with Penalty Clause
What happens if builder delays? Should specify interest rate (minimum SBI MCLR+2%) for delay.
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✅ Force Majeure Clause — Check Carefully
Builders often misuse this. It should cover genuine disasters, not routine construction delays.
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✅ Payment Schedule Matches Loan Disbursement
Bank disburses in stages based on construction. Payment schedule in BBA should match bank stages.
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✅ All Receipts — Every Single Payment
Keep original receipts for every payment. These are your evidence if you need to file RERA complaint.
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AT POSSESSION
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✅ Occupancy Certificate (OC)
From local authority. Without OC, possession is technically illegal. Do NOT move in without OC.
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✅ Completion Certificate (CC)
Confirms building constructed as per sanctioned plan. Different from OC.
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✅ No Objection Certificates (NOCs)
From electricity board, water board, fire department, lift authority — builder must provide all.
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✅ Measure Actual Carpet Area
Measure yourself with a tape measure. Even 2% shortfall = RERA compensation.
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✅ All Promised Amenities Complete
Check against BBA. Missing amenities = RERA complaint.
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✅ Society Registration
Residents Welfare Association (RWA) or Apartment Owners Association should be registered or in process.
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AT REGISTRATION
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✅ Sale Deed / Conveyance Deed
The final ownership transfer document. Must be registered at Sub-Registrar office.
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✅ Stamp Duty Paid
Pay correct stamp duty (5-7% based on state and gender of buyer). Women get discount in most states.
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✅ Encumbrance Certificate
Confirms property has no outstanding loans or legal dues. Get from sub-registrar office.
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✅ Property Tax Transfer
Property tax should be transferred to your name with local municipal body after registration.
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✅ Khata / Mutation
Revenue record entry in your name. Required for future transactions and utilities connections.
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✅ Original Documents from Bank
After loan closure, collect all original property documents from bank.
Confused about any document?
Ask our AI Advisor or connect with a RERA-verified advisor who will guide you through the entire process.