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Completion Certificate: Importance, Process & Documents

Updated on : 18 June 2025

By Hexadecimal Software Team

Image Source: google.com

1. What is a Completion Certificate?
2. Why is a Completion Certificate Important?
3. Who Issues the Completion Certificate?
4. Difference Between Completion and Occupancy Certificates
5. Documents Required for Completion Certificate
6. How to Apply for a Completion Certificate
7. Online and Offline Application Process
8. State Portals for Completion Certificate
9. Fees and Processing Time
10. Uses of a Completion Certificate
11. FAQs

1. What is a Completion Certificate?
2. Why is a Completion Certificate Important?
3. Who Issues the Completion Certificate?
4. Difference Between Completion and Occupancy Certificates
5. Documents Required for Completion Certificate
6. How to Apply for a Completion Certificate
7. Online and Offline Application Process
8. State Portals for Completion Certificate
9. Fees and Processing Time
10. Uses of a Completion Certificate
11. FAQs

What is a Completion Certificate?

A Completion Certificate is a document issued by the local municipal authority that certifies a building has been constructed according to approved plans and norms. It is essential before a property can be occupied or sold.

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Why is a Completion Certificate Important?

This certificate confirms the building’s legality and is necessary for further approvals and property rights.

Purpose	Description
Legality	Certifies that the construction is legal and as per sanctioned plans
Occupancy Approval	A prerequisite to apply for an Occupancy Certificate
Utility Connections	Required to get water, electricity, and gas connections
Loan & Sale	Mandatory for home loan approvals and resale transactions
Avoid Penalties	Prevents fines or demolition orders due to unauthorised construction

Who Issues the Completion Certificate?

The local municipal body, such as the Municipal Corporation, Development Authority, or Town Planning Department, issues this certificate after a site inspection.

Authority	Jurisdiction
Municipal Corporation	Urban areas and cities
Panchayat/Town Council	Semi-urban and rural areas
Development Authorities	Planned city zones like Noida Authority, DDA, etc.

Difference Between Completion and Occupancy Certificates

Though closely related, these certificates serve different legal and regulatory purposes.

Criteria	Completion Certificate	Occupancy Certificate
Purpose	Certifies construction as per approved plan	Certifies building is fit for occupation
Issued When	Construction work is complete	Post-inspection for habitability
Issued By	Municipality or Development Authority	Municipality or Local Body
Required For	Project closure, further approvals	Possession, utility services
Time of Application	After construction ends	After receiving Completion Certificate

You Want to know About What is Occupancy Certificates then Click Here

Documents Required for Completion Certificate

You need to submit construction-related and ownership documents.

Document	Purpose
Building Plan Approval	To show construction was done as per approved plan
Photographs of Completed Building	Visual proof of completion
Commencement Certificate	Issued at the start of construction
Building Layout	For compliance verification
Architect/Engineer Certificate	Certifies construction followed approved plan
Property Tax Receipts	Shows compliance with municipal dues
Ownership Proof	Sale deed or lease deed of land

How to Apply for a Completion Certificate

You can apply through your local authority either offline or using an official online portal.

Step	Description
Step 1	Ensure construction is as per sanctioned plan
Step 2	Collect all necessary documents
Step 3	Fill the application form
Step 4	Submit documents online or visit the authority office
Step 5	Site inspection is conducted by officials
Step 6	If approved, certificate is issued within stipulated time

Online and Offline Application Process

Mode	Process	Where to Apply
Online	Visit the local development authority’s portal, submit application with digital documents.	e.g., UPAVP, Mumbai Municipal
Offline	Visit municipal or town planning office, submit hard copies of documents.	Local Municipal Corporation / Planning Department

State Portals for Completion Certificate

State	Portal URL
Uttar Pradesh	upavp.in
Maharashtra	mcgm.gov.in
Delhi	dda.gov.in
Karnataka	bbmp.gov.in
Tamil Nadu	tn.gov.in

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Fees and Processing Time

Particulars	Details
Application Fee	₹500 to ₹2,000 (varies by city and project size)
Inspection Charges	May be applicable in some states
Processing Time	15 to 30 working days, depending on authority workload

Uses of a Completion Certificate

This certificate is essential in various legal, commercial, and service-based contexts.

Use Case	Description
Legal Compliance	Ensures no unauthorized construction or deviation
Utility Connections	Mandatory for electricity and water connections
Occupancy Approval	Needed to obtain Occupancy Certificate
Home Loan Sanction	Required for banks to disburse final loan installments
Resale of Property	Buyers prefer completed and certified properties
Avoid Demolition	Protects against notices for unauthorized construction

FAQs

Que: Who issues the Completion Certificate?
Ans: It is issued by the local municipal authority or planning body.

Que: Can I occupy my house without it?
Ans: No, it's illegal to occupy a building without this and the Occupancy Certificate.

Que: Is this certificate necessary for resale?
Ans: Yes, it enhances legal validity and buyer trust.

Que: What is the difference between Completion and Occupancy Certificates?
Ans: Completion certifies construction; Occupancy certifies habitability.

Que: How do I apply online?
Ans: Visit your city’s planning or municipal portal, fill the form, and upload required documents.

Que: Is there a fee involved?
Ans: Yes, the application and inspection fees range between ₹500 to ₹2000.

Que: How long does it take to receive it?
Ans: Usually within 15–30 working days, depending on state and local authority.