Service desk
Home Buyer Protection Desk
Most of what protects a buyer happens before the agreement is signed. NXS48 - The RERA Specialists offers four focused services for that stage and for possession: a review of the agreement or allotment letter, a background check on the project and promoter, advice on possession and occupancy, and filing of a MahaRERA complaint. The team behind them numbers 200+ professionals across employees and associates across law, accounting, engineering and architecture.
Overview
- Home buyers
This desk does not duplicate the due diligence and verification work described elsewhere. For a full pre-purchase review we point to the property due diligence report, and for resale flats to resale verification; for contested matters we point to the dispute desk. What sits here is the buyer-facing path: understand the paper, check the project, take possession correctly, and complain if necessary.
Which disciplines are involved
Advocates review agreements and file complaints. Architects and engineers check area, plans and occupancy. Chartered Accountants review payment schedules and financial indicators where the matter needs them.
The scope and responsible professional are identified in the engagement. Professional certificates are signed in the relevant professional or firm's own name. NXS48 is not an examination or certifying body.
Which checks belong before the first material commitment?
Begin with the exact unit, registered phase and promoter entity rather than a project brand. Check the available registration, approvals and agreement material before relying on a sales presentation. Section 13 restricts advances above ten per cent without a written registered agreement, but that limit is not a recommendation to pay a smaller amount without checking the transaction.
A background check is an early screening exercise. It can identify disclosed status, stale updates and apparent inconsistencies, but it is not automatically a full title opinion or financial audit. Public information rarely establishes the complete condition of project bank accounts. The report should distinguish independently verified records, promoter-supplied information and material that could not be obtained.
For a comprehensive purchase review, use the property due diligence service in the title desk. For a resale, use the dedicated verification path because society records, original-document custody and existing mortgages create different questions. This buyer desk focuses on understanding the agreement, checking the project, handling possession and preparing a complaint where necessary. The scopes should complement rather than duplicate one another.
How should a buyer read the agreement and payment demands?
Match the agreement to the unit, carpet area, approved plans, amenities, consideration and possession commitment actually offered. Read the schedules and incorporated documents, not only the headline commercial page. Identify cancellation, delayed-payment, variation and handover provisions. A clause described as standard still needs explanation so the buyer understands the consequence before signing.
Compare the payment milestones with the agreement and available project progress. Keep receipts and lender disbursement records together. If an amount or demand is disputed, obtain advice about the response rather than simply ignore it; Section 19 also imposes duties on allottees. A promoter’s default and a buyer’s payment history can both be relevant to a later dispute.
If the draft changes after review, compare the final version and annexures again. Ensure material concessions and clarifications are reflected in the binding documents rather than only an informal message. Agreement review does not itself measure the premises, verify every title document or assure investment performance. Additional technical or legal scope should be chosen deliberately where the evidence warrants it.
What changes when possession or a dispute arises?
At possession, obtain the actual occupancy permission and check the building, floors, use and conditions it covers. A certificate for another wing or a limited part should not be treated as approval for the entire scheme. Review services, defects, demands and any acknowledgment or waiver before signing. Technical inspection scope should state what was tested and what was excluded.
For delay, identify the contractual date, later communications and the choice to remain or withdraw. Section 18 relief and compensation procedure need case-specific assessment. For defects, Section 14(3) has its own notice and timing requirements. Preserve the relevant evidence early. A portal filing is a procedural step, not proof that the buyer is entitled to the requested relief.
If a complaint becomes necessary, prepare the correct parties, chronology, evidence and specific prayers. The litigation desk covers hearings, strategy, appeal and enforcement beyond filing support. A favourable order may still require recovery work, and filing an appeal does not automatically stay it. Outcomes depend on facts and the decision of the Authority or Tribunal. No refund, possession date or recovery outcome is promised.
Editorial update 2026-10-24. Draft pending professional legal review; no named reviewer has approved this text.
Services in this desk
4 services
Agreement for Sale & Allotment Letter Review
Case-specific review of draft or issued purchase documents against the buyer's instructions and available project information.
Section 13(1) prohibits a promoter from accepting more than ten per cent of the apartment, plot or building cost as advance or application payment without first entering into a written agreement for sale and registering it. An allotment letter should not be treated as interchangeable with that registered agreement. Record what has already been paid and the document under which the next demand is made.
Delivered by: Advocate
Read the service pageProject & Promoter Background Check
Review of available project registration, litigation, escrow and approval information within a defined scope.
Start with the proposed unit and registration number, then identify the promoter’s legal entity and registered phase. Similar project names, changed brands and group companies can create misleading search results. Match the land description, building and phase before relying on a portal page. The report should explain whether the contracting party is the same entity as the disclosed promoter.
Delivered by: Advocate, Chartered Accountant, Engineer, Architect
Read the service pagePossession & Occupancy Certificate Advisory
Review and coordination support for possession-stage documents and occupancy-certificate questions.
Obtain the occupancy certificate or relevant permission from the competent authority and check the building, floors, use and conditions it actually covers. A certificate for another wing or a partial permission should not be described as permission for the entire development. Section 2(zf) defines occupancy certificate by reference to the competent authority and local law.
Delivered by: Advocate, Architect, Engineer
Read the service pageMahaRERA Complaint Filing
Complaint preparation and filing support; see the RERA Litigation & Dispute Resolution Desk for related representation.
Identify the contravention, correct parties, registered project or phase and relief sought before entering portal fields. Section 31 provides the complaint route, but the appropriate forum and procedure depend on the relief. Refund, interest, compensation, defects and enforcement should not be treated as one generic application. The litigation desk covers the broader strategy and representation questions.
Delivered by: Advocate
Read the service pageWhen people come to this desk
- Before paying more than a token amount
- When an allotment letter or agreement for sale is received
- When possession is offered
- When a project is delayed and a complaint is being considered
What to have ready
- Draft agreement or allotment letter
- Brochure, payment schedule and receipts
- MahaRERA registration number
- Possession letters and demands
Related desks and tools
Frequently asked questions
Can I check a project myself?
Yes, the MahaRERA website publishes project pages. We help interpret and cross-check them.
Is this the same as a due diligence report?
No. See the property due diligence report in the title search desk for the fuller review.
Can you promise a refund?
No. Outcomes depend on the facts and the decision of the Authority or Tribunal.
Do you publish fees?
No. We prepare a tailored proposal.
Contact us for a tailored proposal
Tell us about the property, project or dispute. We scope the work first and prepare a proposal for it.