⚡ Quick Answer
To buy a new flat in Maharashtra you need your identity and address proof (PAN, Aadhaar), photos, the allotment letter, the agreement for sale (stamped and registered), payment receipts, and at possession the possession letter and completion papers.
- The agreement for sale is registered at the Sub-Registrar office.
- Keep originals of every receipt and the registered agreement safe.
- Check the project's MahaRERA registration before you sign.
Buying a home involves a fair amount of paperwork. The good news is that most of it follows a clear order. If you know which documents to keep ready, and which ones to collect at each step, the process becomes much simpler.
This checklist covers a new flat bought from a developer in Maharashtra. Rules and forms can change, so confirm the latest requirements with your lawyer or the developer’s team.
Documents You Keep Ready
- PAN cardNeeded for the booking, the agreement and tax purposes.
- Aadhaar cardCommonly used as identity and address proof, including at registration.
- Address proofPassport, utility bill or another valid document.
- PhotographsPassport-size photos of all buyers.
- Income documentsNeeded if you are taking a home loan.
- NRI documentsPassport, visa or OCI card and NRE/NRO bank details, if you live abroad.
Buying from abroad? Read buying a flat in Mumbai as an NRI for the extra steps.
Documents You Receive From the Developer
- Booking form and receipt. Confirms your unit and the booking amount paid.
- Cost sheet. Lists base price, taxes and other charges. Keep it with your booking form.
- Allotment letter. Confirms the allotment of the specific flat to you.
- Agreement for sale. The main contract, with the unit, carpet area, payment schedule and possession date.
- Payment receipts. One for every payment you make.
- Possession letter. Issued when the home is ready to be handed over.
Registering the Agreement for Sale
In Maharashtra, the agreement for sale for a new flat is stamped and registered. Stamp duty is paid on the agreement, and the agreement is registered at the office of the Sub-Registrar, with the buyers and the developer’s representative present (registration can also be done through approved online and e-registration options where available).
After registration, you receive the registered agreement and a registration record, commonly called the Index II. Keep these originals safely.
For how stamp duty and registration add to your budget, see the true cost of buying a flat in Mumbai.
Project Documents to Check
| Document | Why check it |
|---|---|
| MahaRERA registration | Confirms the project is registered and shows the declared completion date |
| Approved plans | Shows what has been sanctioned for the building |
| Title details | Confirms the developer's right to develop and sell |
| Commencement certificate | Confirms construction has been permitted |
| Occupancy certificate (at possession) | Confirms the building is fit to be occupied |
Many of these documents are available on the project's MahaRERA page. Your lawyer can check the rest.
Here is how to verify a project on MahaRERA step by step.
Home Loan and Tax Paperwork
- Loan sanction letter and disbursement letters from the lender
- Tri-partite agreement between you, the lender and the developer, if required
- TDS payment proof under Section 194-IA of the Income Tax Act, where applicable
- Interest certificates from the lender every year
Read our home loan guide for premium flats in Mumbai for how loans are disbursed for under-construction homes.
Documents at Possession
- Possession letterConfirms the date the home was handed over to you.
- Occupancy certificateConfirms the building can be occupied. Ask for a copy.
- Final cost statementShows all payments made and any balance or refund.
- Society or association papersMembership and share-related documents once the society is formed.
- Utility papersElectricity meter, water and gas connection documents.
- Warranty and handover kitDetails of fittings, appliances and the defect liability process.
Related Guides
- Carpet area vs built-up vs super built-up – what your agreement should say
- The 20:80 payment plan explained
- Site visit checklist before booking a flat
- Buying a flat in Sewri: a step-by-step guide
- The flat booking process: EOI, allotment letter and agreement for sale
- Buying through an authorised channel partner: questions to ask
- Possession handover checklist: how to inspect your new flat
- Resale vs new project flats in Mumbai
- Joint Home Ownership in Mumbai: Buying a Flat with Your Spouse or Family
- Home Loan Tax Benefits in India: Section 24(b) and 80C Explained
- Home Insurance for a New Flat in Mumbai: A Simple Guide
- Moving Into Your New Home in Mumbai: A Step-by-Step Checklist
- Agreement for Sale: Key Clauses to Read Before You Sign
- Buying a Second Home in Mumbai: A Practical Guide
- Real Estate Glossary for Mumbai Home Buyers: Key Terms Explained
- L&T The Gateway Sewri MahaRERA Number: P51900054969 and How to Verify It
- Power of Attorney for NRIs Buying a Flat in Mumbai
- Occupancy Certificate vs Completion Certificate: What Mumbai Buyers Should Know
- How to Book a Flat at L&T The Gateway Sewri: Step-by-Step Guide
- Legal Due Diligence Before Buying a Flat in Mumbai: A Simple Checklist
Frequently Asked Questions
What documents are needed to buy a flat in Maharashtra?
PAN, Aadhaar or other ID and address proof, photographs, the booking form, allotment letter, the stamped and registered agreement for sale, payment receipts and, at possession, the possession letter.
Where is the agreement for sale registered?
At the office of the Sub-Registrar, or through approved e-registration options where available.
What is Index II?
Index II is the registration record of a property document in Maharashtra. Keep a copy with your registered agreement.
Do I need a lawyer to buy a new flat?
It is not mandatory, but having a lawyer check the agreement and title is a good idea.
Is TDS applicable when buying a flat?
TDS under Section 194-IA of the Income Tax Act may apply depending on the property value. Check with your tax advisor.
What should I check at possession?
Check the home against the agreement and specification list, note any defects in writing, and collect the possession letter, occupancy certificate and handover papers.
Conclusion: One Folder, Every Paper
Keep one folder – physical and digital – with every document from booking to possession. Check that the agreement matches what you were promised and what MahaRERA shows. If you are considering L&T The Gateway Sewri (MahaRERA No. P51900054969), enquire now or call +91 80503 63647, or start from the project homepage.
L&T The Gateway, Sewri
MahaRERA No. P51900054969
Get the project details, floor plans and price sheet for 3, 4 and 4.5 BHK residences in Sewri, Mumbai. Our team will call you back.
