Occupancy Certificate (OC) and Commencement Certificate (CC) Explained
Two certificates tell you whether a building was approved to be built and whether it is approved to be lived in. Ask about both.
Commencement Certificate (CC)
The Commencement Certificate is issued by the local planning authority once the building plan is sanctioned. It permits the builder to start construction as per the approved plan. For an under-construction project, ask to see the CC and the sanctioned plan, and check that the tower, floors and area match what you are being sold.
Occupancy Certificate (OC)
The Occupancy Certificate is issued after construction is finished and inspected. It certifies that the building has been built according to the approved plan and is fit for occupation. Utilities and many lenders ask for it, and it is an important document for a ready-to-move purchase.
How the two differ
| Commencement Certificate | Occupancy Certificate | |
|---|---|---|
| When issued | Before construction starts | After construction is complete |
| What it confirms | Builder may build as per sanctioned plan | Building was built as per plan and can be occupied |
| Relevant for | Under-construction purchases | Ready-to-move purchases and possession |
What to ask for
- For an under-construction project: the CC, the sanctioned plan and the RERA registration number
- For a ready-to-move home: the OC, and confirmation that it covers the tower and floor you are buying
- Ask your lawyer to review them along with the title documents
Premia in Jakkur is one of the projects on our site that lists its Occupancy Certificate as received; see ready-to-move apartments in North Bangalore. Always verify any certificate yourself with the builder and the issuing authority.
This guide is general information to help you ask better questions. It is not legal, tax, financial or loan advice. Rules and rates change, so confirm current requirements with the relevant authority, your lender or a qualified professional before you decide.
