MHADA NOC online: which services you can apply for, and how long the Board has to decide
By Nikunj Sharma4 min readChecked 3 October 2026MHADA's citizen services are notified under the Maharashtra Right to Public Services Act, and since 1 April 2019 new applications for them go through the state's Aaple Sarkar portal. The ones owners use most are the NOC for rent, with an eight day limit, the NOC for a mortgage, twelve working days, sale permission, fifteen, and transfer of a tenement, twenty three. New allottees from the lottery apply for a home loan NOC in MHADA's own IHLMS 2.0 app.
Why a MHADA flat needs an NOC at all
A MHADA flat is held under an allotment, and the Estate Management, Sale, Transfer and Exchange of Tenements Regulations, 1981 keep the Board involved for as long as the tenancy runs. Selling, letting or mortgaging the flat each needs the Board's written say so. The NOC is that say so, on paper, and with it in hand the sale, the tenancy or the loan goes ahead on a clear record.
Which NOC you need
Each job has its own service, its own form and its own time limit:
| What you want to do | What to apply for | Time limit |
|---|---|---|
| Let the flat on leave and licence | NOC for rent | 8 days |
| Take a loan against the flat | NOC for a mortgage | 12 working days |
| Sell the flat or a commercial unit | Sale permission | 15 working days |
| Prove nothing is owed to the Board | No dues certificate | 19 working days |
| Move the tenancy to a buyer or an heir | Transfer of tenement | 23 working days |
| Put an earlier, unpermitted transfer on record | Regularisation | 23 working days |
The time limits are the ones MHADA notified under the Right to Public Services Act. The clock starts from a complete application, so a full file is what gets you the time limit in practice.
Applying through Aaple Sarkar
MHADA's own citizen portal now carries a notice that, from 1 April 2019, new registration and its services are handled by Aaple Sarkar. In outline:
- Register on Aaple Sarkar with a mobile number and an email address.
- Choose the Housing Department's MHADA service you need, for example the No Objection Certificate for Rent for the Mumbai Board.
- Fill in the application and upload the documents the service lists.
- Pay any fee online, and note the application number.
- Track the application with that number until the certificate is issued.
The Mumbai Board's paper forms are still published on its E-MITRA page, and they are worth reading first even if you apply online, because each one lists what it expects: Form 1 for transfer of a tenement or plot, Form 2 for a commercial unit, Form 3 for a no dues certificate, Form 4 for an NOC for a mortgage, and Form 5 for sale permission.
New allottees: the home loan NOC
If you have just won a flat in the lottery, the NOC your bank needs comes from MHADA's IHLMS 2.0 app, not Aaple Sarkar. MHADA's own FAQ gives the steps: open the MHADA Lottery app, log in to IHLMS 2.0, go to the menu, select Application List, choose the winning application, tap Apply for NOC, fill in the details, submit, and then download the NOC.
Switching banks is allowed too. MHADA says you can apply again once you cancel the NOC you applied for earlier. Our guide to a home loan on a MHADA flat covers the bank side, the owners' Form 4 and the PMAY subsidy.
When the Board takes longer
The Right to Public Services Act gives every notified service a designated officer, usually the Estate Manager for your area, and two levels of appeal. If a service is refused or runs past its time limit, the first appeal goes to the Executive Engineer and, for Mumbai Board residential services, the second to the Joint Chief Officer, as MHADA's notification of 13 July 2015 sets out. A complete file is the surest way to stay inside the limit, which is why the file is where we spend our time.
We will file it for you
Our MHADA paperwork service prepares the application and the file against the Board's own list, applies through the right route and follows it until the certificate is in your hands, for MHADA flats anywhere in Mumbai. Tell us the flat and the NOC you need on WhatsApp, and we will tell you what the file needs, free, usually the same day.
Common questions
- Can I apply for a MHADA NOC online?
- Yes. Since 1 April 2019, new applications for MHADA's notified services go through the state's Aaple Sarkar portal, including the NOC for rent for Mumbai Board flats. Lottery winners apply for a home loan NOC in MHADA's IHLMS 2.0 app.
- How long does a MHADA NOC take?
- MHADA's notified limits are 8 days for the NOC for rent, 12 working days for an NOC for a mortgage, 15 for sale permission and 23 for a transfer of tenement, counted from a complete application.
- Is the NOC for sale the same as the transfer?
- No. Sale permission is the Board's consent to the sale; the transfer of tenement then moves the tenancy into the buyer's name. Most sales need both, and the society's NOC as well.
- What if MHADA does not decide in time?
- The Right to Public Services Act gives you a first appeal to the Executive Engineer and, for Mumbai Board residential services, a second to the Joint Chief Officer, against the designated officer who missed the time limit.
- Do I still need to visit the Bandra office?
- Often not to apply. If the Board needs anything more, the Estate Manager's office will tell you. Our guide to the MHADA office in Bandra lists which Estate Manager handles each area.
Words you will see
Plain meanings for the terms used above.
- Allottee
- The person MHADA allotted the flat to, in whose name the Board's record stands until a transfer.
- Estate Manager
- The Mumbai Board officer who handles transfers, NOCs and dues for the flats in a division, at Griha Nirman Bhavan in Bandra East.
- Society
- The co operative housing society: the body of flat owners that collectively runs the building.
- Leave and licence
- The agreement most Mumbai flats are rented on. It gives permission to occupy rather than a tenancy, and it is registered.
Senior Associate at Shree Giriraj Real Estate, handling marketing and sales across Borivali, Kandivali and Malad. Writes the articles here from the questions clients actually ask.
- MHADA citizen services portal (MITRA), notice that new registration and services moved to Aaple Sarkar from 1 April 2019
- MHADA, Notification on Right to Public Services, 13 July 2015, services and time limits
- Aaple Sarkar, Government of Maharashtra, No Objection Certificate for Rent, MHADA Mumbai Board, service 5030
- MHADA, E-MITRA, Mumbai Housing and Area Development Board forms
- MHADA, Lottery application FAQ, how to apply for a loan NOC
- MHADA, Estate Management, Sale, Transfer and Exchange of Tenements Regulations, 1981, extract published on mhada.gov.in
- DataForSEO, Google search volume for MHADA NOC terms in India, measured 3 October 2026
Read next
- MHADAMHADA office in Bandra East: which desk handles your flat, and what to take
MHADA's head office is Griha Nirman Bhavan, Kalanagar, Bandra East, Mumbai 400051, main number 022 6640 5000. Transfers and NOCs for Mumbai Board flats are handled there by the Estate Manager for your area, from Borivali, Malad and Goregaon in the west to Kurla, Ghatkopar and Mulund in the east, so the first step is to know which desk your flat belongs to.
- MHADACan we rent out a MHADA flat? The NOC for rent, and what it takes to get one
Yes. A MHADA flat can be let out with a no objection certificate for rent from the Mumbai Board, which is a notified service under the Maharashtra Right to Public Services Act with an eight day time limit and the Estate Manager as the designated officer. Once the NOC is in hand, the leave and licence agreement is registered like any other.
- MHADACan we sell a MHADA flat? The five year rule, the permissions, and what voids a sale
Yes, a MHADA flat can be sold, but only with the previous written permission of the Board and of the housing society, and only once five years have passed from allotment, the buyer falls in the same income group as the scheme, and all dues are paid. A sale without that permission can be declared invalid and the buyer evicted.
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