Intimation of Disapproval (IOD)

IOD is an essential permission given to the developer by the municipal authorities.

After development plans are submitted to the Building Proposal Department of BMC, an IOD is issued, and under the terms and conditions of the IOD, the developer is asked to comply with many requirements and obtain various clearances like clearance from Environment Authorities, Tree Authorities, Fire Officer etc. After these clearances are obtained, the developer is entitled to obtain a Commencement Certificate (CC).

Commencement Certificate (CC)

A certificate issued by the appropriate local authority certifying the construction may commence. Typically, this is done after the concerned party has obtained sanction of plans for the construction of a multi-storied building.

Commencement Certificate (CC) is given in two stages:

  1. CC upto plinth level
  2. CC beyond plinth level

Usually CC is extended from time to time.

Occupancy Certificate (OC)

Once the construction of the building is done as per the plans which were submitted and approved by the authorities, legal possession of that house or commercial space can be taken only after Occupancy Certificate is received.

OC is a certificate issued by the local municipal authority certifying that all necessary works have been completed as per the sanctioned plans and that the property is fit for occupation. The OC is issued after clearance from the water, electricity, sewerage, fire fighting authorities etc.

Occupancy Certificate is not a good-to-have certificate, but a mandatory one. Till the developer of the residential or commercial property does not obtain Occupation certificate from the civic bodies, it is illegal for buyers to move into that property and commence any activity.

In fact, a very popular case in Mumbai was all over the news for the same reason. Campa Cola Compound in Worli in Mumbai did not have OC for its residential towers. In spite of being aware of this incomplete documentation, residents bought the apartments on the understanding that they would get Occupancy Certificates later and they started living there. After around 25 years, Supreme Court ordered residents of Campa Cola society to vacate their apartments in 2014.


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