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Renting · checklist

Before renting a home

What to confirm before the deposit leaves your account.

The essentials

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  • Meet the ownerAsk for an identity document and the tax receipt in the same name. Never pay a deposit to someone you have not met.
  • Read the deposit clauseTen months in Bengaluru, two in Mumbai — but the refund terms matter more than the amount.
  • Photograph everythingOn the day you move in, photograph every wall, fitting and meter reading, and email the set to the owner.
  • Check the society rulesMove-in timings, visitor policy, pet policy and any deposit the society itself collects.

The agreement

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What should be in writing before you move in.

  • Rent, due date and escalationFigures and a stated percentage at renewal, not 'as mutually agreed'.
  • Deposit refund deadlineA number of days after handover, and a closed list of what may be deducted.
  • Lock-in and noticeThe same for both sides unless there is a reason not to.
  • Who pays maintenance and repairsSociety maintenance, minor repairs and structural repairs, each named.
  • Stamped, and registered where requiredStamp duty is set by your state; in Maharashtra a leave and licence agreement must be registered whatever its term.

Moving in

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  • Police tenant verificationMany cities require it; the owner usually submits it, and you provide the documents.
  • Meter readingsElectricity, water and gas, photographed on the day you move in.
  • Rent by bank or UPI, with receiptsA clean record for HRA and for the deposit refund.

Common questions

Does my rent agreement have to be registered?

A lease for more than one year must be registered under section 17 of the Registration Act, 1908, which is why eleven-month agreements are common. In Maharashtra, leave and licence agreements must be registered whatever the term.