An Occupancy Certificate is issued by the local authority once a building has been inspected and found fit for occupation. It confirms that the structure was built in line with the approved plan and complies with applicable safety and service norms.
Why it protects you
Taking possession of a unit without an Occupancy Certificate carries real risk. Without it, water and electricity connections may be irregular, the building may not be legally fit for occupation, and resale or loan transfer can become difficult. In some cases an unauthorised structure can face penalties.
Occupancy versus Completion
A Completion Certificate states that construction is finished as per the approved plan. An Occupancy Certificate goes further and certifies that the building is fit to be lived in. For a buyer, the Occupancy Certificate is the document that matters most at possession.
What to do before possession
Ask for the Occupancy Certificate in writing and confirm it covers your specific block or tower. If a builder offers possession before it is issued, treat that as a point to clarify rather than a routine step.