Vertical Property Cards Are Coming: What Will Change for Flat Owners in Maharashtra?

Maharashtra is moving toward one of its most important real estate reforms: the introduction of Vertical Property Cards (VPC). This system aims to give every flat its own digital identity, something the current property-card structure does not offer. The idea is simple. When a buyer purchases a flat in a multi-storey building, the ownership should be clearly recorded, flat-wise, in government records.

That's the gap VPC is designed to fill. And the impact is expected to be positive for both existing owners and new buyers.

What Is a Vertical Property Card?

A Vertical Property Card is a digital document that shows clear, flat-wise details such as:

• Flat owner's name
• Flat number and carpet area
• Exact land share linked to that unit
• Building details and mapped boundaries

Right now, the traditional Property Card records only the land and the overall building. It does not show who owns which flat. VPC creates that missing link by giving each flat its own identity.

Why This Reform Matters

This shift is important because of how vertical cities have become. In a state where lakhs of people live in towers, a single building-level property card is not enough to track ownership or resolve disputes. VPC brings clarity.

Here's what changes for buyers and owners:

You no longer rely only on society records or builder paperwork. Your flat is listed as an individual unit in official government records.

When you sell or refinance a flat, banks and buyers get a clear record, reducing confusion and delays.

Clear land share, clear ownership and digital documentation help avoid boundary disputes, double selling or wrong entries.

Being part of the state's online record system means owners can check or download information quickly when needed.

Will VPC Affect Property Value?

The introduction of Vertical Property Cards is not meant to trigger an immediate rise in property prices, and the government has made no such claim. Instead, the real value lies in the confidence this system brings to the market. When ownership details are clear, updated and accessible, transactions become healthier and more transparent. Buyers feel safer, lenders get better clarity and resale becomes easier because documentation is straightforward. Over time, a system built on clean records naturally strengthens trust, which is one of the strongest factors in creating long-term value for both owners and buyers.

How Will Existing Owners Get the VPC?

Since the Vertical Property Card system is being introduced in stages across the state, the rollout will naturally take some time. Each district and urban area has to be surveyed, mapped and aligned with the new digital structure before individual flat records can be issued. This step-by-step approach helps the government ensure accuracy, avoid errors and create a reliable database that reflects real ownership on the ground.

Here's what will likely happen:

• A building or society will be mapped digitally
• Owners will submit required documents
• Flat-wise details will be verified
• Individual VPCs will be issued

What Will Remain the Same

• Stamp duty stays the same
• Registration process stays the same
• Society NOCs and RERA documents remain valid

Once the final notification and detailed guidelines are released, the revenue department will outline how societies, builders and individual owners should submit documents and verify their information. This structured process will help owners understand exactly what is required, how their building will be mapped, and when they can expect their Vertical Property Card to be generated.

This Reform Also Covers New Projects

All new multi-storey developments will eventually come under the VPC system. That ensures that future buyers start with clean digital records from day one.

For Buyers Considering New Projects

New residential projects are already structured with clear documentation, building layouts and flat-wise records, which makes it easier for them to adopt the Vertical Property Card system when it becomes active in their district. Projects like HoABL Naigaon follow organised processes for approvals and flat identification, so they can integrate smoothly with VPC requirements. This gives buyers more clarity and confidence because the shift toward digital, flat-wise records supports transparent and secure ownership from the beginning.

"Because HoABL Naigaon already follows RERA-aligned documentation, it stands in a good position to adopt VPC with fewer delays once the system is rolled out."

What Should Buyers Do Right Now?

Until the full rollout is notified, buyers can stay prepared by:

• Understanding basic property-card terminology
• Keeping flat documents organised
• Asking builders about their readiness for digital mapping
• Following updates from the revenue department

Staying aware of how the Vertical Property Card system works gives buyers a clearer understanding of their rights and the documents they should expect during a purchase. It also helps them evaluate projects with more confidence, ask the right questions and avoid common mistakes that come from missing or incomplete records. Overall, this awareness supports safer decisions and a more secure home-buying experience.

Final Takeaway

Vertical Property Cards are a step toward modern, transparent and accessible property documentation. They won't change prices overnight, but they will make ownership clearer, records cleaner and transactions smoother. For current owners and future buyers, this is a positive move toward better, safer real estate documentation in Maharashtra.

Projects that follow structured approvals and clear flat-wise documentation, such as HoABL Growth Housing Mumbai Naigaon East, are well aligned with this upcoming system. Buyers considering such developments can expect a smoother shift into the VPC framework as it becomes active in their district.

To know how the Vertical Property Card system aligns with projects like HoABL Naigaon, you can connect directly at +91 7888091619 or visit the project page here: https://houseofabhinandanlodha.in/lodha-naigaon.php

FAQs on Vertical Property Cards (VPC)

The state is rolling it out in phases, so it isn't mandatory everywhere yet. But once the system reaches each district, flat-wise records will eventually shift to the VPC format. Owners don't need to worry or rush; the process will be guided officially and announced step by step.

No. Your Sale Deed remains the main proof of ownership. The VPC works as an additional digital record that confirms your flat details directly in government files. It makes your paperwork stronger, not different.

The revenue department will issue notifications and instructions for each area. Societies and builders will also receive updates. As long as owners keep basic documents ready, the transition will be smooth once the process starts locally.

Yes. Clear, flat-wise digital records make it easier for banks and buyers to verify ownership. This reduces delays and improves trust during transactions.

The government has not announced any new charges for owners yet. Any fee or process details will be shared officially during rollout.