The 2025 RERA Checklist: 7 Things to Verify Before Buying a Resale Flat in Mumbai
- Dhanaji Khot
- Dec 22, 2025
- 3 min read
Buying a resale flat in Mumbai can be a smart move—better locations, ready possession, and often lower prices than new launches.
However, in 2025, legal compliance matters more than ever, especially under MahaRERA regulations.
Many buyers assume RERA applies only to new projects. That’s a costly misconception.
This checklist will help you verify 7 critical RERA-related aspects before finalizing a resale property in Mumbai—so your investment remains safe, transparent, and future-proof.
1. Verify the Original Project’s MahaRERA Registration
Even if you’re buying from an individual owner, the project itself must be MahaRERA registered (unless exempt).
What to check:
MahaRERA Registration Number
Project status (Completed / Ongoing)
Promoter name and approvals
Why it matters in 2025:
Banks, home loan providers, and future buyers increasingly reject non-RERA compliant projects, impacting resale value.
Cross-verify details only on the official MahaRERA portal.
2. Match the Flat Details with the RERA-Approved Layout
Many resale disputes arise due to mismatch in flat area or configuration.
Verify:
Carpet area as per RERA
Floor plan approved under MahaRERA
Parking allotment mentioned in RERA documents
Warning:
If the seller quotes built-up area instead of carpet area, you may be overpaying.
RERA legally recognizes carpet area only.
3. Confirm Occupancy Certificate (OC) Status
In Mumbai, thousands of resale flats exist in buildings without an Occupancy Certificate.
Why OC is critical:
Required for legal possession
Mandatory for most home loans in 2025
Ensures building complies with sanctioned plans
RERA angle:
Projects without OC are flagged under MahaRERA and may face penalties.
Always ask for a copy of the OC—not just verbal confirmation.
4. Check for Pending RERA Complaints or Litigations
Before buying, ensure the project or society has no active MahaRERA cases.
What to search:
Buyer complaints against the builder
Delay penalties or unresolved disputes
Orders passed by MahaRERA
Even if the issue doesn’t involve your flat directly, it can:
Delay society conveyance
Create legal hurdles during resale
5. Verify Society Conveyance & Deemed Conveyance
In resale properties, land ownership matters.
Ensure:
Conveyance deed is executed in favor of the society
OR
Deemed conveyance is granted
Why this matters in 2025:
Without conveyance:
Redevelopment approvals get delayed
Property value stagnates
Legal ownership remains unclear
MahaRERA strongly emphasizes timely conveyance, making this a non-negotiable check.
6. Confirm No Unauthorized Modifications in the Flat
Many resale flats in Mumbai have:
Merged balconies
Shifted kitchens
Removed structural walls
RERA impact:
Unauthorized changes violate approved plans, making:
Home loans difficult
Registration risky
Future resale complicated
Compare the actual flat with the RERA-approved layout before finalizing.
7. Ensure Clear Title & Updated Chain of Agreements
RERA doesn’t replace title verification—but it strengthens transparency.
Verify:
Original agreement registered
All resale agreements properly registered
No missing ownership links
In 2025, sub-registrars and banks perform deeper due diligence, especially for resale properties.
One missing document can delay or cancel your deal.
Final Thoughts: Why RERA Due Diligence Matters More in 2025
Mumbai’s resale market is evolving.Buyers today are:
More informed
More cautious
More compliance-driven
A resale flat that is RERA-aligned:
Gets faster loan approvals
Commands higher resale value
Faces fewer legal risks
Need Expert Verification Before You Buy?
At Mumbai Home Expert, we help buyers:
Verify RERA compliance
Check legal documents
Avoid costly resale mistakes
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