What are my RERA rights if the builder delays possession in Mumbai?

Under RERA Section 18, you have two options: (1) Stay invested and receive monthly interest compensation at SBI MCLR + 2% per annum for every month of delay, or (2) Withdraw fully and receive a complete refund of all amounts paid plus the same interest rate from the date of each payment. Both rights are legally enforceable through MahaRERA.

How do I calculate RERA compensation for delayed possession?

RERA compensation is calculated as: (Total amount paid to builder × (SBI 1-year MCLR + 2%)) ÷ 12, for each month of delay. If you paid ₹95 lakh and the MCLR is 8.85%, the effective rate is 10.85% per annum, giving approximately ₹85,896 per month of compensation. Verify the current SBI MCLR at sbi.co.in before calculating.

How do I file a MahaRERA complaint for delayed possession?

File online at maharera.maharashtra.gov.in. Register as a complainant, select 'File Complaint' under Section 31, choose relief under Section 18, pay the filing fee (approximately ₹5,000 for individuals), and upload your Sale Agreement, payment receipts, and communication with the builder. Hearings are typically scheduled within 30–60 days and orders passed within 90–120 days.

Can the builder change the possession date without my consent?

No. A builder cannot unilaterally change the possession date. To revise a registered possession date, they must apply to MahaRERA with documented reasons and receive formal approval. The revised date must be updated on the MahaRERA project page. Any letter or email from the builder claiming a new date is not legally valid without a MahaRERA-approved revision.

Is there a time limit to file a RERA complaint for delayed possession in Maharashtra?

While RERA does not state an explicit limitation period, courts have generally applied a 3-year limitation from when the delay began (i.e., from the original possession date in your Sale Agreement). File as early as possible after the date passes — delay in filing weakens your case and reduces the compensation period you can claim.

What documents do I need to file a MahaRERA delayed possession complaint?

You need: the registered Sale Agreement showing the possession date, allotment letter, all payment receipts with dates and amounts, bank statements corroborating payments, any demand letters and written communication with the builder, a screenshot of the MahaRERA project page showing the registered completion date, and your Aadhaar and PAN for identity verification.