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The Maharashtra government is set to introduce vertical property cards to address the challenges of tracking flat ownership in cities like Mumbai, Pune, and Nagpur, where vertical development has boomed. Currently, property records cover only land parcels, creating legal headaches during resale, inheritance, or mortgage processes. The new cards will act as official Records of Rights for each flat, listing owner details, carpet area, and mortgage data. Officials say this will make transactions smoother and reduce disputes. The reform, aligned with digitisation drives like Svamitva Yojna, could make Maharashtra one of India's first states to modernise records for high-rise housing.
The state government is preparing a revised proposal for the vertical property documentation system, which will be reviewed in the upcoming assembly session. If approved, the reform will address long-standing issues arising from the lack of clearly defined legal records for flats, especially in cities like Pune, Mumbai, and Nagpur, where vertical urbanization has surged over recent decades. Advertisement
Currently, property ownership in Maharashtra is recorded through urban property cards or rural 7/12 extracts, which define ownership only at the land parcel level. This system often fails to represent ownership in vertical constructions accurately, leading to legal ambiguities during resale, inheritance, or mortgage-related transactions. The proposed vertical property cards will serve as individual Records of Rights for each apartment, listing crucial information such as the owner's name, carpet area, and linked financial details like mortgage or bank loan data.
Officials from the revenue department noted that the cards would streamline housing transactions, make bank financing easier, and reduce disputes over titles and encumbrances. The cards are expected to include details typically scattered across sale agreements, loan documents, and builder records-centralizing everything into a single, verified government-issued document.
The reform also aligns with broader digitization and land reform initiatives, including the central government's Svamitva Yojna. Draft changes to the 'Record of Rights and Registers for Apartments and Building Rules,' under the Maharashtra Land Revenue Code, 1966, have already been submitted for cabinet approval.
Once cleared, Maharashtra will become one of the first Indian states to officially recognize floor-wise ownership records in its land documentation system. The vertical property cards will initially be implemented for MahaRERA-registered housing projects in a phased rollout. To encourage participation and reduce barriers, the state has also committed to covering the cost of land measurement-typically around INR 8,000 per property-through the revenue department's budget.
The initiative is seen as a critical step forward in urban governance, particularly in cities where vertical development is outpacing traditional administrative systems. If successfully executed, it promises to become a national model for urban land record modernization.
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