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India Real Estate

Vertical Property Card (Maharashtra)

⟡ The "vertical property card" initiative in Maharashtra was formally proposed in 2019, but has only recently been advanced for implementation. As of late 2025, the state government has formed a committee to draft the rules, and a full rollout is expected by 2026.

⟡ A "vertical property card" is a new land ownership document in Maharashtra for apartment owners that officially records their individual ownership of a flat and their proportional share of the land. These cards will provide a legal, individual record of rights that is not present in traditional, flat-only land records, and are designed to prevent fraud, secure ownership, simplify transactions like sales and loans, and improve clarity in multi-story residential properties.

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  • व्हर्टिकल प्रॉपर्टी कार्ड म्हणजे काय?
    महाराष्ट्र सरकारने आज देशातील सर्वात मोठी संपत्ती-क्रांती जाहीर केली. आता प्रत्येक फ्लॅटमालकाला ‘व्हर्टिकल प्रॉपर्टी कार्ड’ मिळणार असून, त्यात फ्लॅटसह खालच्या जमिनीचा वैयक्तिक हिस्सा कायमचा नोंदवला जाणार आहे!
    “आजपासून फ्लॅट म्हणजे फक्त छत नव्हे, तर जमिनीचा मालक!” असे उद्गार मुख्यमंत्री देवेंद्र फडणवीस यांनी काढले.या कार्डमध्ये इमारतीचे एकूण क्षेत्रफळ, तुमचा नेमका हिस्सा (उदा. 1/150 हिस्सा) आणि QR कोडसह डिजिटल स्वाक्षरी असेल. सर्वात महत्त्वाचे म्हणजे सातबारा उताऱ्यावर तुमचे नाव शेतकऱ्याप्रमाणे चढणार आहे. नवीन फ्लॅटना 1 जानेवारी 2026 पासून हे कार्ड सक्तीचे, तर जुन्या 2 कोटी फ्लॅटमालकांना केवळ 500 रुपयांत 2027 पर्यंत मिळेल. बँक लोन, रिडेव्हलपमेंट, वारसाहक्क आता 48 तासांत मिळेल.“60 वर्षांची गुंतागुंत एका कार्डाने संपली. महाराष्ट्राने देशाला नवा आदर्श दिल्याची प्रतिक्रिया राज्याचे महसूलमंत्री राधाकृष्ण विखे पाटील यांनी दिली.
  • नवीन कार्ड काय देणार?
    मुख्य प्रॉपर्टी कार्डसोबतच तुम्हाला वैयक्तिक ‘व्हर्टिकल कार्ड’चे फायदे मिळतील. उदाहरणार्थ इमारतीखालील एकूण चटई क्षेत्रफळ 10 हजार चौ.फूट आहे. त्यात तुमचा नेमका हिस्सा 99.25 चौ.फूट जमीन अधिक 800 चौ.फूट हवेतला भाग असेल. यात QR कोडसह डिजिटल स्वाक्षरी असल्याने छेडछाड अशक्य आहे.
  • सातबारा उताऱ्यावर नाव
    आता ग्रामीण भागातल्या शेतकऱ्याप्रमाणे मुंबई-पुण्यातल्या फ्लॅटमालकाचाही सातबारा उताऱ्यावर हिस्सा दिसेल! ‘गट नं. 456/2, हिस्सा 1/120’ असे लिहिले जाईल. वारसनोंद, विक्री, गहाण ठेवणे सोपे होणार.
  • का आणली ही क्रांती?
    रिडेव्हलपमेंटमध्ये बिल्डर फसवणूक करायचे. बँका लोन देण्यास नकार द्यायच्या. न्यायालयात १५-२० वर्षे खटले चालायचे अशा विविध कारणांमुळे 2 कोटींहून जास्त फ्लॅटमालक हैराण होते
  • कधी मिळणार?
    उच्चस्तरीय समितीचा अहवाल डिसेंबर 2025 पर्यंत येणार. जानेवारी 2026 पासून नवीन फ्लॅटना तरतूद सक्तीची, जुन्या इमारतींना 2 वर्षांत अपडेट करता येणार. अवघ्या ₹500 शुल्कात तुमची जमीन तुमच्या नावावर!आता फ्लॅट म्हणजे खरोखरच ‘माझ्या मालकीची जमीन + त्यावरचे माझे घर’! सरकारने 60 वर्षांची गुंतागुंत एका कार्डाने संपवली आहे.
  • FAQ
    • व्हर्टिकल प्रॉपर्टी कार्ड म्हणजे नेमके काय आहे?
      हे एक स्वतंत्र कायदेशीर कागदपत्र आहे जे तुम्हाला तुमच्या फ्लॅटसह इमारतीखालच्या जमिनीतील तुमचा नेमका हिस्सा (उदा. १/१०० किंवा ९९.५० चौ.फूट) कायमस्वरूपी देते. हे मुख्य प्रॉपर्टी कार्डला जोडलेले असते आणि QR कोडसह डिजिटल स्वाक्षरी असते.
    • माझ्या जुन्या फ्लॅटला हे कार्ड कधी आणि कसे मिळेल?
      जानेवारी २०२६ पासून नवीन इमारतींना हे कार्ड सक्तीचे होईल. जुन्या सोसायट्यांना २ वर्षांत (डिसेंबर २०२७ पर्यंत) फक्त ₹५०० शुल्क भरून सोसायटीमार्फत अर्ज करता येईल. सातबारा उताऱ्यावरही तुमचे नाव आपोआप चढेल.
    • याचा मला काय फायदा होईल?
      बँक लोन त्वरित मिळेल.रिडेव्हलपमेंटमध्ये बिल्डर फसवू शकणार नाही. विक्री-वारसाहक्क २ दिवसांत पूर्ण होईल.न्यायालयात खटला चालण्याची वेळ १५ वर्षांऐवजी १५ दिवस! तुम्ही खरोखरच “जमिनीचे मालक” व्हाल, फक्त “फ्लॅटचे” नव्हे!

Google Translate:

  • What is a Vertical Property Card?
    The Maharashtra government today announced the biggest property revolution in the country. Now every flat owner will get a ‘Vertical Property Card’, in which the personal share of the land below the flat along with the flat will be permanently registered!
    “From today, a flat is not just a roof, but the owner of the land!” exclaimed Chief Minister Devendra Fadnavis. This card will have the total area of ​​the building, your exact share (e.g. 1/150 share) and a digital signature with a QR code. Most importantly, your name will appear on the Satbara Utara like a farmer. This card will be mandatory for new flats from January 1, 2026, while the old 2 crore flat owners will get it for just Rs 500 by 2027. Bank loan, redevelopment, inheritance rights will now be available within 48 hours. “60 years of complexity are over with one card. Maharashtra has set a new example for the country,” said state Revenue Minister Radhakrishna Vikhe Patil.
  • What will the new card offer?
    Along with the main property card, you will get the benefits of a personal ‘vertical card’. For example, the total carpet area under the building is 10,000 sq ft. In it, your exact share will be 99.25 sq ft of land plus 800 sq ft of air space. It is impossible to tamper with it as it has a digital signature with a QR code.
  • Name on Satbara Utara
    Now, like farmers in rural areas, the share of flat owners in Mumbai-Pune will also be visible on Satbara Utara! ‘Group No. 456/2, Share 1/120’ will be written. Inheritance, sale, mortgage will be easy.
  • Why bring this revolution?
    Builders used to cheat in redevelopment. Banks used to refuse to give loans. Cases used to go on in the courts for 15-20 years, more than 2 crore flat owners were confused due to various reasons.
  • When will they get it?
    The report of the high-level committee will be out by December 2025. Provisioning will be mandatory for new flats from January 2026, old buildings can be updated in 2 years. Your land in your name for just ₹500! Now a flat really means ‘land I own + my house on it’! The government has ended 60 years of complexity with one card.
  • FAQ
    • What exactly is a Vertical Property Card?
      It is a separate legal document that gives you your exact share (e.g. 1/100 or 99.50 sq. ft.) in the land under the building along with your flat permanently. It is attached to the main property card and has a digital signature with a QR code.
    • When and how can I get this card for my old flat Will I get it?
      This card will be mandatory for new buildings from January 2026. Old societies can apply through the society by paying a fee of only ₹500 within 2 years (till December 2027). Your name will also automatically appear on the Satbara Uthana.
    • What will be the benefit of this to me?
      You will get a bank loan immediately. The builder will not be able to cheat in redevelopment. The sale-inheritance rights will be completed in 2 days. The time for litigation in the court will be 15 days instead of 15 years! You will truly become the “owner of the land”, not just the “flat”!

LinkedIn (Harshad Shah - CA)

Link

  1. Maharashtra govt. has unveiled "Vertical Property Card" for flat owners
    • This card permanently records each flat owner's exact personal share of the land beneath their flat, making land ownership explicit along with the flat itself.
    • A flat owner is now officially recognized as a landowner, not just a resident of a Building.
    • The card details include the total building area, the owner's precise share (e.g., 1/150), and a secure digital signature with a QR code to prevent tampering.
    • New flats will automatically get this card starting January 1, 2026; existing 2 crore flat owners can obtain it by 2027 by paying only ₹500.
    • Key practical benefits include faster bank loans, easier redevelopment processes, and smoother inheritance procedures, all potentially completed within 48 hours.
    • This as a new national benchmark for property ownership rights.
  2. What the Card Provides
    • Owners receive a personal 'vertical card' alongside the main property card.
    • It specifies the exact carpet area under the building and the owner’s precise land share, for example, 99.25 sq.ft land plus 800 sq.ft area in a building with total 10,000 sq.ft.
    • The digital signature and QR code ensure authenticity and eliminate fraud risks.
  3. Name on Passage Seventeen (17th Hill)
    • Like rural farmers with their share entries on record, flat owners in Mumbai and Pune will see their land share recorded on the "17th hill" (passage seventeen).
    • Property group and share details (e.g., Group no. 456/2, share 1/120) will be officially inscribed.
  4. Role as Property Title Document
    • The Vertical Property Card acts as a supplementary legal document confirming the flat owner’s share in the land.
    • It is attached to the main property card and backed by a secure digital signature, bolstering property rights clarity.
    • Ownership rights such as inheritance, sale, and mortgage become simpler and transparent.
  5. Reasons for the Revolution
    • To prevent builder malpractices in redevelopment projects and ease access to bank loans.
    • Overall, it seeks to simplify property rights and secure land ownership for flat owners.
  6. Availability Timeline
    • Existing flats must claim it through their societies within 2 years (until December 2027) at a nominal fee of ₹500.
    • This move ends 60 years of ownership complications by digitally securing land rights alongside flats.
  7. FAQs
    • What is a Vertical Property Card?
      • It is a legal document recording your exact share of land under the building linked to your flat.
      • It remains valid perpetually and comes with a digital signature plus a QR code for authenticity.
    • How will my old flat get this card?
      • New buildings receive it mandatorily from January 2026.
      • Old flat owners can apply via their housing society till December 2027 by paying ₹500.
      • The owner’s name will be officially recorded on the 17th passage.