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Bettesworth Construction
booking amount

How to Check a Builder’s Approvals Before Paying a Booking Amount

Use the official state RERA record, approved plans, title documents and written booking terms to check a builder’s project before paying. Local requirements vary.

By Bettesworth Construction Team 4 min read
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Before paying a booking amount for a home in India, verify the exact project and phase on the official RERA portal for the state where it is located, compare the offered unit with approved plans, and review the title and payment terms. RERA registration is a useful starting point, not a substitute for checking project-specific documents or getting unresolved legal questions reviewed. Approval requirements vary by state, city, project type and phase.

What to ask the builder for first

Get enough identifying information to make sure you are checking the right development—not a similarly named project or a different phase.

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  • The project’s exact legal name and the promoter’s name.
  • The state RERA registration number and phase name, if applicable.
  • Survey numbers or other location details, plus the precise unit or plot identifier being offered.
  • Copies of title documents and the approvals relevant to the project and its phase.

Use these details to search the official state RERA portal yourself. A screenshot or brochure supplied by a salesperson is not a replacement for checking the authority’s record.

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Verify the project and phase on the state RERA portal

Confirm that the record matches the project name, promoter, location and phase you are considering. Review its registration and status information, disclosed approvals, approved plans and specifications, and completion schedule. Goa RERA says online information for registered projects includes sanctioned and layout plans, specifications, building or wing information, and stage-wise completion details (Goa RERA: Functions and Services). Bihar RERA also advises buyers to check project details, title, approved layout, amenities, specifications, approvals and completion timelines through its official portal (Bihar RERA buyer-awareness alert).

Registration is not a universal shortcut. Goa RERA lists circumstances in which registration may not be required, including land proposed to be developed not exceeding 500 square metres, a project with no more than eight apartments inclusive of all phases, a project with a completion certificate issued before the Act commenced, and certain renovation or redevelopment that does not involve marketing, advertising, selling or new allotment. Those are examples from Goa’s guidance, not a complete rule for every state or project. If a project is absent from a portal, establish why with the relevant state authority rather than assuming either that it is unlawful or that it is exempt.

Match the offered unit to approved documents

Ask for the authority-approved sanctioned plan, layout and approved specifications, then compare them with the unit and phase you are being offered. Check the unit or plot location, configuration, floor and any features represented as included. Pay particular attention to whether the plans and disclosures refer to the same phase as your booking.

Kerala RERA says allottees may obtain sanctioned plans, layout approvals, approved specifications and title deeds (Kerala RERA: Rights and Duties of Allottees). A registration entry or sales brochure alone does not establish that every salesperson’s claim matches the approved documents. Ask which approvals have been granted, which remain pending, and which apply to your phase; resolve discrepancies before paying.

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Review title documents and approvals

Request the project’s title documents and relevant authority approvals. A RERA record can help you locate disclosures, but it is not an individual opinion on ownership, title chain or encumbrances. Have a local property lawyer review those records and explain any project-specific issue you cannot resolve from the official documents. The exact approvals required depend on the project and its location, so ask the promoter to identify the applicable approvals and their status rather than relying on a generic checklist.

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Check the booking form and amount before transferring money

Read the booking form and its cancellation and refund terms before paying, including what happens if an approval is pending or the booking is cancelled. Obtain a dated receipt and use a traceable payment channel to the named promoter or an account the promoter has authorized.

Goa RERA and Kerala RERA state that a promoter cannot accept more than 10% of the cost of an apartment, plot or building as an advance payment or application fee before entering into and registering a written agreement for sale (Goa RERA: Functions and Services; Kerala RERA: Rights and Duties of Allottees). This is a statutory threshold before the agreement stage, not an assurance that a smaller token payment is safe. Check the applicable state rules and the written terms for your transaction.

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Compare projects or units on the same checks

Check What to compare
Project identity Exact RERA project, promoter, location, phase and registration status.
Unit and plans Whether the offered configuration, floor and location match the sanctioned plans and approved specifications.
Approvals Which applicable approvals are granted, which are pending and whether they cover the relevant phase.
Title Whether title documents are available and whether a local property lawyer has reviewed ownership and encumbrance issues.
Schedule The completion schedule disclosed in official records compared with the possession date being promised.
Payment terms The amount requested now, agreement timing, and cancellation and refund conditions.

When to pause the booking

Do not transfer money while a material mismatch remains unresolved—for example, if the portal record is for another phase, the promised unit or feature is not shown in approved documents, title papers are missing, or the approval status is unclear. Ask the promoter for the relevant records and have a local property lawyer review unresolved title, plan or approval questions before proceeding.

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