A completion certificate (CC) confirms that a building was constructed as per the approved plan and rules. An occupancy certificate (OC) confirms it is fit to be occupied, and is usually what water, power and sewer connections and lenders ask for. Names and sequence vary by state and city; some issue one combined certificate.
Side by side
Factor
OC
CC
Full name
Occupancy certificate
Completion certificate
What it confirms
The building is fit to occupy
Construction matches the sanctioned plan and norms
Issued by
The local planning or municipal authority
The local planning or municipal authority
Usually comes
After or alongside the CC, following inspection
When construction is complete
Needed for
Moving in, utility connections, many home loans and resales
Applying for the OC in many cities
Partial versions
Part OCs are issued for completed towers in some cities
Some authorities issue part CCs
Names vary
Also occupation or occupancy-cum-completion certificate
Also building completion certificate
When OC matters
Before you take possession or buy a resale flat in a newer building, ask for the OC covering your tower.
When CC matters
The CC matters when checking that the building matches its approval; deviations can block the OC.
In more detail
Under the RERA Act, the promoter is responsible for obtaining the completion certificate or occupancy certificate (or both, as applicable locally) and making it available to buyers or the association.
Possession offered without an OC is a serious warning sign. Utilities, lenders and future buyers may all ask for it, and occupying without one can breach local building rules.
Ask for the certificate itself, not a builder's letter saying it has been applied for, and check that it names your tower or wing.
Common questions
Is OC more important than CC?
For a buyer moving in, the OC is usually the one that matters, because it confirms the building can be lawfully occupied. A CC alone may not be enough.
Can I take possession without an OC?
Some builders offer it, but utilities, lenders and future buyers may ask for the OC, and occupying without one can breach local rules. Insist on seeing it.
Who applies for the OC?
The builder or promoter applies to the local authority. Under RERA it is the promoter's duty to obtain it.
What is a part OC?
An occupancy certificate for a completed part of a project, such as one tower, issued where local rules allow it.
Sources
Real Estate (Regulation and Development) Act, 2016, section 11(4)
Municipal and development authority building bye-laws, which differ by state and city
A plain-language summary, not legal or tax advice. Rules set by states differ and change; check the current position for your property.