Buying a flat without an Occupancy Certificate (OC) and Completion Certificate (CC) carries significant legal and financial risks, even if the owner holds an A Khata. While A Khata allows property tax payment and registration, it does not certify that the building complies with safety and construction norms. Only the OC proves the building is legally constructed according to approved plans and is safe for residential living. Without an OC, local authorities like BBMP can classify the building as unauthorized, potentially leading to future penalties, utility connection issues, or legal notices for plan deviations.

Furthermore, purchasing without an OC/CC creates major obstacles if you need a home loan or decide to resell the flat in the future, as most reputed banks refuse funding for non-OC properties. As a family, your hard-earned savings deserve complete legal security. Please consult an independent real estate lawyer to inspect the sanctioned plan and check the extent of deviation before putting any advance money into this property.