Last updated 12 Nov 2026
If you are building a house in Telangana with a loan, the lender will want to see a valid building permission before it releases money. In Telangana, many building permissions are now processed online through TG-bPASS, a single platform that uses self-certification. You may still see it written as TS-bPASS in older documents; the state's code changed from TS to TG, and the portal was at tgbpass.telangana.gov.in. News reports say the state has been moving new applications to a newer single portal, BuildNow Telangana, so check the official site of your local body for the portal in use.
This guide explains in plain terms what TG-bPASS does, which size limits its page describes, the papers a lender will ask for on a construction or home loan, and how to avoid the common delays. Rules, plot limits and fees are set by the state, so always confirm on the portal before you rely on any figure here.
The short answer
TG-bPASS lets an owner apply for building permission online and, for smaller residential buildings, receive approval through self-certification. Lenders accept a valid permission from the portal, but they still check the title, the plan against the estimate, and the progress of construction. The permission is one document in a set, not the whole file.
What the official page says
The TG-bPASS portal described itself as a single integrated platform for processing various permissions, using a self-certification system.
The DTCP page also says building permissions are handled through TG-bPASS and notes that TG-iPASS has been integrated with it. These limits and categories can be amended by government order, so read the portal for the current version before relying on them.
What self-certification means
Self-certification means you, or your architect or licensed professional on your behalf, declare that the plan complies with the rules, and the system issues the permission based on that declaration, subject to later scrutiny. It does not mean the rules are optional. If a declaration is wrong, the authority can act later, and a lender's technical team may notice mismatches during inspection.
For a borrower this has three effects:
- Speed. For eligible small residential plots, the permission can come online without a long wait.
- Responsibility. The accuracy of the plan and the declaration rests on you and your professional.
- Lender checks. The lender will compare the permission and plan with the estimate, the land documents and what is built on site.
Which papers lenders ask for
Every lender sets its own list, but on a construction or purchase loan in Telangana the following usually appear.
For a ready flat or house, replace the estimate with the sale agreement, builder papers and occupancy certificate.
Building permission and the loan stages
A home construction loan is usually paid in stages linked to progress, such as foundation, plinth, slab and finishing. Lenders ask for an engineer's or valuer's inspection before each release. A change in the plan can affect the next release. If you add a floor, check whether the permission covers it before building, not after.
On a home purchase loan for a ready house or flat, the lender wants the permission and the occupancy certificate. For an under-construction flat, the builder's permission and sanctioned plan, plus RERA registration, usually come first. The guide on HMDA and DTCP approvals shows how layout and building approvals fit together.
Small plots with no permission needed
The portal says very small residential buildings on plots up to 75 square yards need no building permission or occupancy certificate, with an online registration. A lender is unlikely to treat that registration as a full building permission, though policies differ. If you plan to borrow, ask the lender whether it will accept the portal registration instead of a permission before you start work. Do not assume.
A worked example
A software professional in Hyderabad owns a 160 square yard plot with a clean title and wants to build a ground-plus-two house. The plot lies in an approved layout. His architect prepares the plan, and he applies on the portal. After the permission is issued, he gives the lender the permission, the plan, the estimate and the title papers.
The lender's engineer inspects the plot, checks the estimate against the plan and sets stages for release. After the plinth stage, the engineer sees that the setback on one side is smaller than the plan shows. The lender pauses the next release until the architect corrects it and confirms. The lesson: build exactly as per the permission, because the lender's engineer will compare them at each stage.
Mistakes to avoid
- Starting construction before the permission is issued, then asking the lender to finance it.
- Applying for a smaller built-up area than you intend to build.
- Using a plot from a layout that is not approved, since the portal permission will not cure that.
- Changing the plan midway without amending the permission.
- Losing the approved plan copy, which every inspection and the occupancy certificate need.
- Taking the loan amount from a rough estimate that the lender's engineer later cuts.
After completion
At completion you usually apply for an occupancy certificate, which confirms that the building follows the plan. Ask the authority or your architect how it works for your building. A lender will ask for it before the final release on many construction loans, and a later buyer's lender will ask for it too. Read the glossary entry on occupancy certificate.
Taxes and charges around building
Municipal and planning fees are set by the authority. Lenders also charge their own processing fee, valuation fee and legal fee, all set by the lender. Ask for the Key Fact Statement and compare offers on the APR. Read our guide on the Key Fact Statement and APR.
How LOANZ 360 helps
LOANZ 360 is a loan aggregator, not a lender. Before an application reaches any lender, we compare your details with each partner lender's published eligibility criteria, so you apply only where you are likely to qualify. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Our team prepares a credit assessment summary before the file reaches a lender. One advisor follows the file through documents, lender questions, sanction and disbursal.
Frequently asked questions
What is TG-bPASS?
It is Telangana's online platform for processing building permissions and related approvals through self-certification. It was earlier written as TS-bPASS. Check the official site of your local body for the portal in use.
Does a TG-bPASS permission mean the lender will approve my loan?
No. The permission is one document. The lender also checks title, land records, layout approval, estimate, your income and credit history.
Do I need a permission to build on a very small plot?
The portal says residential buildings up to ground plus one on plots up to 75 square yards need no permission or occupancy certificate, but you register online. Ask your lender whether it accepts that registration.
Can I add a floor after getting the permission?
Not without checking the permission. An extra floor may need an amended permission. Lenders compare the building with the sanctioned plan.
What if my plot is above 500 square metres?
The portal describes a single-window route with a Common Application Form for larger buildings. Your lender will also ask for the clearances that route issues.
Will the lender release the whole loan after the permission?
On a construction loan, money is usually released in stages after inspection. The permission is needed at the start, and an occupancy certificate at the end.
Related reading: Home construction loan, home purchase loan, home loan, HMDA vs DTCP approvals, LRS and loans, encumbrance certificate, home loan documents, builder construction finance, occupancy certificate and the EMI calculator.