What is a Possession Certificate and How to Get It?
A Possession Certificate is a critical legal document issued by a competent authority—typically the local revenue department or municipal body—signifying that possession of a particular property has been handed over from the builder or seller to the buyer. It is especially crucial in rural and urban property transactions and acts as proof of rightful ownership for the buyer.
Issued post-construction or post-purchase, this certificate not only confirms the delivery of the property but is often mandatory for applying for a home loan, property mutation, or utility connections like water and electricity.
Importance of a Possession Certificate
Legal Proof of Possession:
Serves as legal documentation that the buyer has taken physical possession of the property.
Required for Home Loan Disbursement:
Many banks and NBFCs require this certificate to release the final tranche of a housing loan.
Eligibility for Property Tax & Mutation:
Essential for initiating property tax registration and mutation in the buyer's name.
Utility Service Connections:
Mandatory in some states to apply for water, electricity, and sewage connections.
Who Issues a Possession Certificate?
Urban Areas: Usually issued by the municipal authority or local civic body.
Rural Areas: Issued by the Tehsildar or revenue department of the concerned taluk or district.
Documents Required for Possession Certificate
Sale deed/Agreement copy
Approved building plan
Occupancy certificate (for apartments)
ID proof (Aadhaar/PAN)
Property tax receipts
Application form (varies by state)
Steps to Get a Possession Certificate in India
Visit the Local Authority Office
Go to the local municipality or Tehsildar’s office based on your property location.
Fill Out the Application Form
Provide all necessary personal and property details accurately.
Attach Required Documents
Include sale deed, ID proof, occupancy certificate (if applicable), and others.
Pay the Required Fee
A nominal application fee may be charged depending on the state.
Verification by Authority
The property will be physically inspected for confirmation of possession.
Certificate Issuance
After successful verification, the Possession Certificate is issued either in hard copy or digital format.
State-Wise Online Application Portals (Examples)
Tamil Nadu: TN eSevai
Kerala: eDistrict Kerala
Karnataka: Nadakacheri
Telangana: Meeseva
Andhra Pradesh: MeeBhoomi
(Names only for user awareness, avoid linking)
How Vizzve Finance Can Help
At Vizzve Finance, we simplify property documentation for homeowners. Whether you're applying for a home loan, checking property eligibility, or validating legal documents, our experts guide you through every step to make your property purchase seamless and legally compliant.
Our support ensures faster loan approvals, verified documentation, and end-to-end assistance in getting your Possession Certificate.
Frequently Asked Questions (FAQs)
1. Is a Possession Certificate the same as an Occupancy Certificate?
No. An Occupancy Certificate certifies that a building is ready for occupancy as per building laws, while a Possession Certificate confirms the transfer of property possession to the buyer.
2. Can I apply online for a Possession Certificate?
Yes, many state governments offer online application portals for convenience. The process may differ depending on your location.
3. Is the Possession Certificate mandatory for property registration?
No, but it is important for loan disbursement, utility connections, and property tax registration.
4. How long does it take to get a Possession Certificate?
Typically, it takes 7 to 21 days, depending on the local authority and document verification speed.
Published on : 2nd August
Published by : Selvi
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