A possession certificate is an official document that confirms legal possession of a property. It is issued by the local municipal authority or land revenue department and is required for property-related transactions, Home Loan applications, and tax purposes.
Read further to explore what a possession certificate is, why it is important, what documents are required, and how to apply for it.
What is the Meaning of a Possession Certificate?
A possession certificate serves as proof that a property has been legally handed over from the seller (builder or previous owner) to the buyer. This document is issued by local authorities and is necessary for verifying ownership, updating government records, and paying property taxes under the new owner’s name.
It is particularly important for landowners, homebuyers, and financial institutions as it legally establishes the owner's right over the property.
Importance of Possession Certificate
Obtaining a possession certificate is essential for:
- Legal Ownership Verification: Confirms that the property is now in the possession of the new owner
- Home Loan Applications: Financial institutions may require this document for processing Home Loans
- Property Resale and Transfer: Required for selling or transferring property ownership
Documents Required for Possession Certificate
To apply for a possession certificate, the following documents are generally required:
- Ration Card – Proof of identity and residence
- Aadhaar Card – Identity verification of the applicant
- Income Certificate – Required for government verification purposes
- Proof of Property Tax Payment – Latest receipt of tax paid to the local authority
- Proof of Property Ownership – Sale deed, title deed, or property registration document
- Encumbrance Certificate (Form 15) – Confirms the property is free from legal liabilities
- Two Passport-Sized Photographs – Required for application records
- Photographs of the Property – To confirm land or building status
Note that some states may require additional documents depending on their regulations.
Types of Possession Certificate
There are two main types of possession certificates, based on the issuing authority:
1. Builder-Issued Possession Certificate
- Provided by the builder after full payment and handover of the property
- Required before applying for an Occupancy Certificate
- Used primarily in private housing projects
2. Government-Issued Possession Certificate
- Issued by local authorities for properties under government land allotment schemes
- Required for official land ownership verification and government records
Difference Between Possession Certificate, Occupancy Certificate, and Completion Certificate
The following table compares the possession certificate, occupancy certificate, and completion certificate:
Possession Certificate | Occupancy Certificate | Completion Certificate |
---|---|---|
Confirms that the owner has taken possession of the property | Certifies that the building is safe and ready for occupancy | Issued after verifying that the building is constructed as per approved plans |
Issued by the builder or revenue department | Issued by the local municipal authority | Issued by the local planning authority |
Required for property transactions and tax purposes | Required for legally occupying the building | Required for obtaining an Occupancy Certificate |
How to Apply for a Possession Certificate?
To obtain a possession certificate, follow these steps:
- Visit the nearest Anchaladhikari Office or Right to Public Service (RTPS) Office and collect the application form.
- Fill in the application form with accurate details, including property and ownership information.
- Submit the completed form along with the required supporting documents at the concerned office.
- Collect an acknowledgment receipt containing an application number for tracking purposes.
- Your application details will be verified with land records and other official documents.
- If required, a property inspection will be conducted by a government officer to confirm possession.
- Once verification is complete, the concerned office will issue your possession certificate.
Some states allow online applications for possession certificates through their land records portal. Applicants may also need to pay a processing fee, which varies based on state regulations.
How to Check the Possession Certificate Status?
If you’ve applied for a possession certificate, you can easily check its status online through your state’s official e-governance portal. Visit the e-district portal of your state and log in using your credentials. You may need an application number, reference ID, or personal information to access the status of your possession certificate.
In some states, services may also be available via platforms like Meeseva or other local portals. Regardless of the portal, the steps are largely the same. You’ll have to log in, search for your application, and view the latest updates.
Conclusion
A possession certificate is a vital document for homeowners and landowners, serving as proof of legal possession and facilitating property-related transactions. Whether you are applying for a Home Loan, paying property taxes, or selling your property, this certificate ensures a smooth and legally compliant process.
FAQs
A possession certificate is needed for most residential or land-based properties where legal ownership must be recorded.
There are two main types of possession certificates, based on who issues them. Builder-issued possession certificate is given by the builder once full payment is made and the property is handed over. A government-issued possession certificate is provided by local authorities, usually under a government land allotment scheme.
Yes, several state-level online portals can let you check the status and authenticity of your possession certificate.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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