What is the difference between OC and CC?

CC (Completion Certificate) from BDA confirms construction is complete as per plan. OC (Occupancy Certificate) from BBMP permits you to occupy the building. You typically need CC before getting OC.

Can I get a home loan without OC?

Most banks require OC for completed property loans. Some may disburse with indemnity bond from builder, but this is risky. For under-construction loans, OC isn't required at sanction but needed before final disbursement.

What if my apartment building has OC but my unit isn't mentioned?

Building OC should cover all units. If your specific unit (flat number) isn't properly documented, ask builder for clarification. The sale deed should reference the building OC.

How do I get OC for an old house without one?

Apply to BBMP with property documents. If there are deviations, you may need to regularize them (when scheme is available) or demolish unauthorized portions. Get legal advice for specific cases.

Is CC same as building plan approval?

No. Building plan approval (sanctioned plan) is given BEFORE construction. CC is issued AFTER construction to confirm it matches the approved plan.

What are the penalties for occupying without OC?

BBMP can issue notices, impose fines, deny utility connections, and in extreme cases of major violations, order demolition. Most commonly, you face problems during resale.

How long is an OC valid?

OC doesn't expire. Once issued for a building, it remains valid. However, if you make modifications or additions, you need fresh approval and potentially updated OC.

OC and CC Certificate in Bangalore: Complete Guide for Home Buyers

Learn the difference between OC (Occupancy Certificate) and CC (Completion Certificate) in Bangalore. Learn why they matter, verify, and what to do when missing

About the Author

Ramanand Achar

Ramanand Achar comes with over 50 years of legal practice experience and specializes in civil and real estate matters. He is empaneled with multiple banks as their legal advisor and has handled thousands of cases for his client during his practice