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• Maharashtra is expected to discuss the proposal for vertical property cards for apartment owners during the upcoming assembly session after the framework completes legal scrutiny.
• The proposed system aims to provide flat-wise ownership records within the official land records framework, addressing a long-standing gap in urban property documentation.
• Each apartment could receive an individual property record containing ownership details, area specifications, land share and encumbrance information.
• The move is expected to improve transparency in property transactions, loan processing, redevelopment projects and inheritance-related transfers.
• If implemented, the initiative could become a significant reform in Maharashtra's property record system and set a precedent for other states.
The Maharashtra government is expected to take up the proposal for introducing vertical property cards for apartment owners during the upcoming assembly session, marking a potentially significant step towards modernising urban property records in the state. The proposal is currently undergoing legal examination and is likely to be discussed once the review process is completed.
The initiative seeks to address a long-standing issue in apartment ownership documentation. While flat owners possess registered sale deeds, allotment letters and other ownership-related documents, official land records generally identify ownership of the land parcel on which a building stands rather than individual residential units. The proposed vertical property card system aims to formally record ownership at the apartment level within the state's property record framework.
Under the proposal, every apartment in a multi-storey building would receive a separate record linked to the parent land parcel. The card is expected to contain key details including the owner's name, apartment area, proportionate share in the land, building information and any encumbrances such as mortgages or loans. The records are also likely to be digitally integrated with existing land records to enable easier verification.
The concept has been under consideration for several years and has undergone multiple revisions following consultations with government departments, legal experts and stakeholders from the real estate sector. The latest version of the proposal was recently submitted for legal scrutiny before being placed for further consideration by the state government.
The move comes at a time when apartment-based housing dominates urban development across cities such as Mumbai, Pune, Thane, Navi Mumbai and Nagpur. As high-rise residential projects continue to increase, the absence of individual apartment records within official land documentation has often created challenges during property transfers, inheritance claims, mortgage approvals and redevelopment processes.
Industry experts believe the introduction of flat-specific property cards could improve title clarity and reduce documentation-related disputes. Buyers and financial institutions often rely on multiple documents to verify ownership, and the availability of a government-recognised apartment record could simplify due diligence and transaction processes.
The proposed system is also expected to benefit redevelopment projects, particularly in Maharashtra's major urban centres where ageing housing societies are increasingly undergoing redevelopment. Clear ownership records at the apartment level could help streamline consent processes, ownership verification and project execution.
The proposal is part of Maharashtra's broader efforts to strengthen property governance through digitisation and improved land record management. In recent years, the state has introduced several measures aimed at improving property documentation, enhancing transparency and reducing legal complexities associated with ownership records.
According to earlier discussions around the framework, implementation could initially focus on newly registered projects before being gradually extended to existing buildings. Existing property cards and land ownership documents would continue to remain valid for the land parcel, while the vertical property card would function as an additional record specifically identifying ownership of individual apartments.
For homebuyers and apartment owners, the reform could provide greater certainty regarding ownership rights and property records. For the real estate sector, it could support smoother transactions, improve access to financing and create a more structured documentation framework for urban housing assets across the state.
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