Certificate Calculus
- Correspondent
- 2 hours ago
- 2 min read
The Maharashtra government’s decision to launch a revised Occupancy Certificate (OC) amnesty scheme is, on its face, a long-overdue step toward bringing order to Mumbai’s urban landscape. Announced by Deputy Chief Minister Eknath Shinde in the Legislative Assembly, the initiative aims to regularise nearly 20,000 buildings that have gone without OCs for years owing to minor deviations from their approved plans. More than 10 lakh residents - many of whom have paid double property tax, higher water charges and inflated sewerage fees - stand to benefit.
The absence of an OC can trap homeowners in a cycle of financial and legal vulnerability: resale values dip, access to home loans becomes difficult, and even routine redevelopment turns into a labyrinth of restrictions. Hospitals and schools caught in the category of ‘unauthorised constructions’ remain unable to expand or upgrade. A city that prides itself on being India’s financial nerve centre has long lived with regulatory gaps that would be unthinkable in most global business capitals.
The new scheme offers welcome clarity. Buildings constructed under the Development Control Regulations of the BMC, as well as those under MHADA, the SRA and other planning authorities, will be eligible. Proposals filed within the first six months will enjoy complete waiver of penalties. Those filed between six months and a year will face a 50 percent penalty. Societies applying for regularisation will receive a 50 percent concession on premiums, assessed on ready reckoner rates - a significant relief for structures struggling with compliance. In a notable innovation, even individual flat owners may apply independently for an OC, enabling residents in large societies to resolve long-standing issues without being held hostage by internal disagreements. The scheme is to be eventually be implemented in other municipal corporations across Maharashtra, creating a uniform regulatory framework.
All said, the timing of this announcement difficult to ignore. The Brihanmumbai Municipal Corporation - Asia’s richest civic body and the political jewel of Maharashtra - is set for elections. For the ruling Mahayuti coalition led by Devendra Fadnavis, regaining control of the BMC is both a political necessity and a strategic ambition to wrest it from the Thackeray clan, which had controlled the corporation for over two decades and remains a formidable presence in Mumbai’s civic politics. Measures that promise direct relief to more than 2.5 lakh families are bound to have electoral implications.
Governments often push through popular reforms in the run-up to elections. In Mumbai, where urban planning has long been a patchwork of improvisations, stalled projects and regulatory contradictions, any serious attempt at regularisation is welcome. But it is also true that the city’s governance tends to quicken only when the BMC’s vast resources and its electoral significance are at stake.
The revised OC scheme may well resolve hundreds of disputes that have festered for years. But it also serves as a reminder that policy momentum in Mumbai occurs only when the political stakes are the highest.

