Step 5 of 8: Completion and OC — The building is finished and gets its occupancy certificate.
Step 5 of 8
Completion and OC
The building is finished and gets its occupancy certificate.
When construction is complete, the builder applies for an occupancy certificate (OC) — in Bengaluru from the Greater Bengaluru Authority corporation for the area, elsewhere from the planning authority. The OC confirms the building was built as sanctioned and is fit to live in. No OC means no legal handover. In Karnataka the final e-khata for the flat must also exist before the sale deed can be registered.
The money at this step
Usually the instalment due on completion, as set out in your agreement's schedule.
Where Pinly helps
The filed completion date and any occupancy or completion certificate filed are on the project's free Filing Record, each linked to the filing. Where none has been read, the record says so.
Check the recordHow long this usually takes
Typically 1–6 months from the end of construction to the OC, depending on the authority.
You are done with this step when
You have seen the OC for your tower and confirmed the final e-khata for your flat exists.
Your next step · Completion and OC
See the occupancy certificate before you take the keys
No OC, no legal handover — and in Karnataka the final e-khata must exist before the sale deed can be registered. The Filing Record shows the filed completion date and any OC filed.
A phone call and a copy
Documents at this step
Occupancy certificate
The document that makes possession legitimate.
Final e-khata for the flat
Needed before the sale deed can be registered in Karnataka.
Completion certificate (where issued)
Confirms the building work is complete.
Questions to ask
- Has the occupancy certificate been issued for my tower? Can I see it?
- Is the final e-khata for my flat issued, and what is its number?
- Was an extension of the completion date filed with K-RERA?
- Are the utility connections permanent?
Traps at this step
Taking possession without an OC
Offered often, framed as a formality — and it is not. It affects utility connections, the khata, resale and the legality of living there.
Assuming a passed completion date means compensation is automatic
What you are owed for delay depends on your agreement and the RERA Act. Read the clause, keep the dates, and take advice before you rely on it.
This is general guidance to help you plan, not legal, tax or financial advice. Process, charges and stamp duty change, and vary by bank, builder and authority. Have a property lawyer read your documents, and confirm every figure before you transact. Pinly does not verify title, and does not perform legal due diligence on your behalf.