Certifies building works are completed per approved plan
Visit Official Portal →💡 A Building Completion Certificate (CC) is a legal document issued by the local municipal authority (like BMC, MCD, or BBMP) after a building is fully constructed. It certifies that the building has been constructed entirely according to the approved building plan, local building by-laws, and meets all safety standards.
15-30 days after inspection
Varies by property size and local municipality
Building constructed as per approved building plan
Builders and property owners after completing construction
Gather architect certificate, as-built drawings, and required NOCs.
Apply to local municipal corporation or development authority.
Municipal engineers will inspect the building to check compliance.
Pay compounding fees for any minor permissible deviations.
CC is issued if the building meets all norms and safety standards.
A Completion Certificate is a final document and generally cannot be "updated". However, if there is a spelling mistake or clerical error in the issued certificate, you must contact the issuing municipal authority.
Visit the Town Planning or Building Permission department of the municipal corporation (e.g., BMC, BBMP, MCD) that issued the CC.
Submit a formal application requesting the correction, along with the original incorrect CC and supporting documents (like the approved building plan).
The municipal engineers will review the request and original files.
Once approved, a corrected or amended Completion Certificate will be issued.
You can download the digital copy of a Completion Certificate from your respective city's municipal corporation online portal (if available in your city) or RERA website.
Go to the official website of your city's municipal corporation (e.g., mcgm.gov.in for Mumbai, mcdonline.nic.in for Delhi).
Navigate to the "Building Plan Approval System (BPAMS)" or "Citizen Services" section.
Enter the File Number, Proposal Number, or Builder's Name to search for the project.
If approved, you can view and download the digitally signed Completion Certificate PDF.
If you are buying a flat, you can also download the project's CC from your state's real estate regulatory portal (e.g., MahaRERA, UP RERA) under the project documents section.
Builders and developers can track the status of their Completion Certificate application through the local municipal corporation's online Building Plan Approval portal.
Go to the official website of the local municipal corporation.
Select "Track Application Status" under the building permissions department.
Enter the application number generated when the CC request was submitted.
The portal will show whether the application is pending inspection, requires fee payment, or has been approved.
While often used interchangeably, CC and OC are different: A Completion Certificate (CC) is issued after a building has been fully constructed as per the approved plan, certifying structural completion. An Occupancy Certificate (OC) is issued after the municipal authority inspects the completed building and confirms it is safe for human habitation with all services (water, electricity, drainage) in place. In practice, many authorities issue a combined CC+OC. The OC is what you ultimately need to legally occupy the building.
Buying a flat without a CC (or OC) carries serious risks: 1) You cannot get legal water and electricity connections. 2) Banks may refuse to provide a home loan or may recover the loan. 3) The building may be declared unauthorized and face demolition. 4) You cannot legally register the property in some states. 5) During natural calamities, you may not get insurance claims. Always insist on the CC/OC before completing a property purchase.
In Mumbai, the Completion Certificate is issued by the BMC (Brihanmumbai Municipal Corporation): 1) Submit an online application on the BMC Citizen Portal (mcgm.gov.in). 2) Attach structural completion reports signed by the licensed architect/engineer. 3) Pay the prescribed inspection fee. 4) BMC officers will inspect the building. 5) CC is issued digitally if the building matches the approved plan. The process typically takes 30-90 days.
Banks generally won't disburse the full home loan for an under-construction or completed property without a CC/OC. Some banks release loan tranches based on construction stage but the final tranche typically requires the CC. RBI guidelines require banks to ensure the building is legally compliant. If your builder hasn't obtained a CC, this is a major red flag.
An Architect Completion Certificate is a certificate from the licensed architect who supervised construction, confirming the building was built as per approved plans. This is submitted to the municipal authority along with the application for the official Municipal CC. The Municipal CC (from BMC, MCD, BBMP, etc.) is the legally valid document, not just the architect's certificate alone.
The time to get a CC varies by state and local authority: BMC (Mumbai): 30-90 days, BBMP (Bengaluru): 30-60 days, MCD (Delhi): 30-45 days, GHMC (Hyderabad): 21-45 days. Delays are common due to inspection schedules and correction of violations. Hiring a licensed architect to compile documentation can speed up the process.
In most states, having a CC/OC is mandatory or strongly recommended for property registration. Without it, the registration may proceed but you risk legal complications, unauthorized structure status, and inability to sell or mortgage the property in the future. States like Maharashtra and Karnataka have stricter rules where OC is practically mandatory.
Yes, under RERA (Real Estate Regulatory Authority), builders are required to obtain Completion Certificate before handing over possession. As a buyer, you should insist on CC/OC before making the final payment or taking possession of a flat.
Visit the official government portal to start your application
Go to Official Portal →