The Punjab apartment and property regulation act, 1995

Jit Kumar Gupta
Former Advisor( Town Planning) PUDA
jit.kumar1944@gmail.com

 An Act to regulate the;
 1- promotion of the construction, sale,
transfer and management of apartments on
ownership basis,
 2. to regulate colonies and property
transactions and
 3 to provide for registration of promoters
and estate agents and
 4. enforcement of obligations on promoters
and estate agents and
 5 for matters connected therewith or
incidental thereto.

 To control activities of private builders and colonisers engaged in
construction of apartments and sale of plots and fix their role and
responsibility
 -- to ensure that flats are constructed as per specified norms and
standards and specification
 -- to specify norms / standards of planning / development of colonies /
provision of infrastructure as per approved plans
 --To ensure licensing of colonies and proper construction of flats
 - To ensure provision of appropriate level of basic amenities/ services
 -- to promote planned development of urban areas
 ---- to fully protect the interest/ rights of buyers of plots/flats
 -- to create a framework-- for ensuring larger role of private sector in
urban development and Housing to create large housing stock and meet
the objective of Housing for All.
 -- to provide for registration of the estate agents/developers
 - to make entire process of private development transparent and
qualitative
 - to make urban development process self-financing
 - to create housing for EWS categories

“Apartment” –- called block, chamber, dwelling unit, flat, lot,
premises, suite, tenement
-- a separate and self-contained part of any property,
-- including one/ more rooms or enclosed spaces, located on one or
more floors
-- in a building/ plot of land--used / to be used for residence, office,
shop, showroom, or godown or for carrying on any business,
industry, occupation, profession or trade,
--- with a direct exit to a public street/ road / highway
-- includes garage/ room whether /not adjacent to the building --
provided by promoter for the use by allottee for parking / for
residence domestic servant ;
-- Association”-- an association of all apartment owners in a building
acting as a group in accordance with the bye laws made by the
association under the Punjab Apartment Ownership Act, 1995.
“Building”-- a building constructed on any land,
-- containing eleven or more apartments,
--or two or more buildings with a total of eleven or more
apartments,
--or any exiting building converted into eleven or more apartments

“colony”--an area of land not les than one thousand
square metres
-- divided /proposed to be divided into plots for
residential, commercial or industrial purpose,
-- but does not include any area of abadi deh of a
village falling inside its Lal Lakir or phirny
--or any area of land divided/ proposed to be divided-
--(i) for the purpose of agriculture; or
--(ii) as a result of family partition, inheritance,
succession or partition of joint holdings not with
motive of earning profit;--
--(iii) by owner of a factory for setting up a housing
colony for labourer/ employees working in factory;
Provided that there is no profit motive:

 “Internal development works”—
 colony necessary for its
proper development; -- means roads, foot-paths, water
supply, sewers, drains, tree, planting, street lighting,
 -- provision for community buildings and for treatment
and disposal of sewage and sullage water, or
 -- any other work in a
 “External development works”
 -- includes roads and road systems, water supply,
sewerage and drainage systems, electric supply
 -- or any other work
 -- which may have to be executed
 -- in the periphery of, or outside, a colony
 -- for its benefit;

“--development charges- cost of external
development works and internal development works
-- development works- means internal development
works and external development works;
-- estate agent” --means a person who negotiates or
acts on behalf of one person in a transaction of
transfer of his property,
-- whether by way of sale, lease, licence, mortgage or
otherwise, with another person, and
--receives remuneration for his services in the form
of commission, and includes also a person who
introduces to each other for negotiation such
person or their agents;

“(y) “promoter’ means the person,-
(a) who constructs or causes to be constructed a building
consisting of apartments, or converts an existing building
or a part thereof into apartments, for the purpose of
selling all or some of the apartments to other person, and
includes his assigns; or
(b) who develops land into a colony, whether or not be also
constructs structures on any of the plots, for the purpose
of selling to other persons, all or some of the plots,
whether open or with structures thereon; and
(c) where the person who constructs or convert a building or
develops a colony and the person who sells apartments or
plot are different persons, the term includes both of
them;
Explanation,-(1) Any development authority / other public
body so notified by the State Government
Explanation,- (2) A person shall be deemed to be a promoter,
even if,- (i) he styles himself as a builder, colonizer,
contractor, developer, estate promoter
(ii) holder of a power of attorney from the owner of the
land on which building is constructed/colony is developed

‘amenity’ includes—
-- roads, water supply, street lighting,
drainage, sewerage
 public parks,
 schools, hospitals, community
centres and other community
buildings,
 horticulture, land-scaping and any
other public utility service

Structure– Three parts
Part-1-- Regulation of Promotion of Construction,
Sale, Transfer and Management of Apartments, Plots
and Properties
Part-2—Registration of Promoters and Estate
Agent
 Part-3-- Miscellaneous


Regulation of Promotion of
 Construction,
 Sale,
 Transfer and
Management of Apartments,
 Plots and Properties

 Sec3--General liability of promoters-- A promoter who develops a colony /
constructs /intends to construct building of apartments shall make full disclosure
 -- nature of title of land /all encumbrances on land
 -- Approved layout plan of colony- Development works to be executed
 --Approved Building plan, specification, common areas/facilities/services- w/s,
sewerage, drainage
 --display/keep the documents ,plans, specifications etc at site/office- making
them available for inspection
 - disclose fixture, fittings, amenities to be provided
 --- Design of building and material to be used for construction
 --date by which possession of plot/building to be handed over
 - in case of number not allotted-prepare a list of persons agreed to take
plot/land with details of money paid
 --Reserve 10% flats for EWS when number of apartments are 100 or more
 -- Reserve 10% of residential area for EWS when area of colony is 40 hect or mo
 -- not allow persons to enter unless occupation certificate is obtained
 --Pay taxes, ground rents, charges for water, electricity, interest, mortgage
 --Estimate cost of flat/plot- manner of escalation of cost to be paid
 --Provide true copies of the document on demand and payment of fee

 3. Disclosure regarding design/ material to be used.-
Promoter to disclose following particulars in respects
designs /materials to be used in construction, namely:-
 (a) In respect of design,-
(i) Location Plan of the building;
(ii) Design of the building and of the apartment;
(iii) Elevation;
(iv) Cross sections; and
(v) Structural design;

(b) In respect of materials to be used in construction
(i) foundation;
(ii) super structure;
(iii) flooring;
(iv) roofing;
(v) joineries; and
(vi) electric and sanitary fittings.

 4. Person whose family monthly income-- does not exceed
2650 rupees / income limit fixed by CA based on limit,
fixed by Planning Commission of India shall be-- deemed
to be of EWS category
(2) No EWS category person eligible for allotment if,-
(i) he/ her spouse /minor child owns-
 --- a residential plot/ building in UT Chandigarh
 -- Urban Estate Punjab
 -- colony developed under Punjab Regulation of Colonies
Act, 1975
 -- housing scheme of PUDA /local authority / Imp Trust;
--(ii) less than eighteen years of age
 ---- constructed size of apartment shall not be less than
20 square metres an d more than 40 square
metres and
 -- Plot- not less than 40 square metres and more than 90
square metres of plot
 -or as determined by CA - with prior approval of
State Government.

5. Mode of allotment of reserved apartments
and plot.- (1) Promoter to invite applications for
allotment of apartments /residential plots
-- by a public notice in at least two newspapers widely
in circulation and file in office of CA
(2) Applications received entered serially in a register
(3) No incomplete application rejected
----defect found shall be got rectified
(4) Promoter with approval of CA—determine eligible
applicants for allotment of plots /apartment,
(5) Allotment made by draw of lots under supervision
of CA / any of its authorised person
6. Price to be paid for allotments for
apartments and plots.
- – shall be at least 15% less than
- -- price fixed for other categories of persons
- --- payable in instalments
- -- within period of minimum three years from allotment

 Sec4— Issuing of advertisement/ Prospectus—
 No Advertisement/ prospects/offer of sale of plot/flat
to be made unless;
 --Promoter hold a valid Registration under the Act
 --Copy of advertisement filed in the office of
Competent Authority containing- title to land, area,
cost, price payable, approved plans, copy of license,
development works/specifications
 --Copy of advertisement available for inspection at
site/office
 - Any person making deposit on the faith of
advertisement liable to be compensated by promoter in
case of any damage/loss
 --In case of untrue statement made- person issuing
advertisement liable for fine of Rs 5000/- or
imprisonment upto 1 year or both

 S 5- Development of land into Colony—
 -- To make an application on prescribed form with fee, documents
 - separate application to be made for each colony
 --CA to look into- title of land, extent/situation of land, capacity of promoter,
layout plan, conformity with neighbouring area/ master plan,development works
to be executed etc;- give an opportunity to promoter; consider report of the
prescribed authority- pass order in writing granting approval/refuse to grant
With reasons recorded
 License granted valid for 3 years- renewable on year to year basis with fee
 - Promoter to enter into agreement to pay proportionate EDC- as determined by
the CA- TO Government/ULB
 --carry out development works and complete as per law in force
 --Promoter to construct / get constructed at his cost- schools, hospitals,
community centres on land provided- or transfer land free of cost on payment of
cost of developed land- Government free to decide about transfer of land to any
person/authority
 --Make reservation for EWS in 10% of land used for residential use when area of
colony is 40 hec or more
 To carry out all directions issued by CA regarding layout plan, development
works including inspection by any office authorised

 - To maintain/upkeep of roads/open
spaces/parks/public health services free of cost till
transfer to ULB/Govt
 --In case of violations of conditions defined- license
to be cancelled after giving an opportunity of being
heard
 --in case of cancellation-CA may carry out/get the
development works completed at the risk and cost of
promoter-- invoking bank guarantee- recover cost
from promoter/allottee as arrears of land revenue
 --Liability of promoter limited to the amount
collected from allottee less the amount already spent
 --After the development works are carried out- CA
may direct the promoter to receive balance money
from allottee- if any- transfer the possession/title
within time specified –failing which CA may himself

 -All developers/ builders to enter into an written
agreement of sale with buyer of plots/flats
 - before accepting advance payment not exceeding 25% of
sale price
 - agreement to be in prescribed form, registered under
Indian Registration Act
 --In case of refundable fee collected then such agreement to
be made after draw of lots
 -Agreement once made- not to be cancelled unilaterally by
builder- after giving notice and refunding full amount with
interest when a valid cause exists
 --Agreement made will contain particulars in case of
Apartments - construction as per plans/specifications
approved; date by which possession to be given; area of
flat/balconies; nature, extent, description and price of
apartment including price of common areas/facilities, ;
nature of association of allottees to be formed; use of flat

In case of Plot in a colony—
- date of possession of plot
--Area and price of plot
--Use of plot and restriction , if any
In addition—
--Certificate issued by advocate regarding
title of land
--Certified copies from the revenue record-
regarding title of promoter
-- plans and specification of apartment as
approved by the Competent Authority

 S-7-All agreement to sell shall be registered under
Registration Act by the promoter
 S-8-In case of unregistered agreement- it may be
received as an evidence of a contract for specific
performance
 S-9- All money received by Promoter from intending
buyer shall be kept into a separate account in any
scheduled bank and-
 -- used for meeting cost of construction in case of
flats/providing development works in case of colony
 - on demand in writing make true disclosure of money
spent- and shall not spent for any other purpose other
than collected
 S-10- Promoter liable to pay all outgoings collected
from buyer till possession is handed over. Failure to do
so to attract legal proceedings with liability to pay.

 S-11-No additions and alterations- after the approval of
plans/specification of building & entering into
agreement- no changes can be made without the
consent of buyer
 - buildings to be constructed as per approved
plans/specifications- if any defect in building/material
is found within 2 years of handing over the possession-
promoter to rectify the same at his cost/ duly
compensate buyer- in case of dispute CA to proceed
against the promoter
 S-12-Refund of amount- Failure to give possession of
plot/flat- for reason beyond control- amount collected
by promoter to be refunded with simple interest from
the date of receipt of money till refunded and shall be
a valid charge on land on which to be constructed

 S-13- No mortgage can be made/ charge created - by
Promoter on plot/flat after agreement to sell is made-
without the consent of buyer- in case made it shall not
effect the rights of buyer.
 No buyer can create charge/mortgage the plot/flat
unless all dues are paid to promoter
 S-14—Occupation/completion certificate- after
completion of building in case of apartment--
completion certificate of development works in case
of colony-- Promoter duty bound to get
completion/occupation certificate- failing which
allottee may apply for such a certificate to CA- who
on satisfaction of conditions of agreement issue
such a certificate
 S 15- Promoter to execute documents- After
obtaining OC- Promoter to take steps to complete
title and convey ownership/ execute conveyance
deed etc of apartments /common area linked to the
allottee within 3 months of giving possession

 S-16- Enforcement of Registration of Conveyance-
Promoter duty bound for executing conveyance
deed of apartment within 3 months- failing which
may make in writing to CA allottee in possession of
apartment who after making required enquiry- is
satsfied-direct the allottee to present the
conveyance deed for unilateral execution before
registering authority
 -Thereafter registering authority to issue summons
to Promoter- failure to appear amount to
admission by Promoter- to register the deed
 - failure on part of Promoter to attract penality
upto 5% of the price of plot/apartment or Rs 5000
whichever more and a further penalty@ Rs 100 per
day for continued default- recovered as arrear of
land revenue.

 S-17--No promoter- without sufficient cause/
cutting off by municipality- to cut
off/withhold/curtail/reduce essential services-
water supply/electricity/lights in passage
/staircase/lifts/conservancy/sanitary services-
enjoyed by allottee- in such cases – allottee can
move the CA for restoring the services-
 On enquiry if CA satisfied – then pass an order to
restore such services- in case of default a penalty
@rs 100/- day for the period of default to be
imposed-
 Promoter/person responsible for services when
found guilty will attract imprisonment upto 3
months or fine upto Rs 5000 or both

 S 18- subject to other provision--Promoter entering
into a property transaction to make disclosure—
 - nature of title - duly certified by an advocate
 -- encumbrances on such property–right/title/interest
 -- if land held on lease-- consent from the lessor
 --NOC from CA in case of Urban Land Ceiling Act,1976
 -- Reservations, in development plan on use of land
 -- date by which possession of the property to be
handed over
 -- full and true disclosure of all outgoings, including
ground rent, if any, municipal or other local taxes,
revenue assessment etc
 -- No prospectus/ advertisement offering for sale any
property to be issued-- unless advertisement
indicates place / time the documents are available
for inspection

 S 19- Every Allottee--to make payment at
proper time /place / price/ proportionate
share of municipal taxes/ water/
electricity/ground rent etc in accordance with
agreement of sale
 Any Allottee-- who, without reasonable excuse,
fails/ contravenes -- on conviction, be
punished with fine extending upto 1% of price
of apartment/ plot/ property,, or 1000
rupees, whichever is greater.
 S 20- Restriction on structure in a colony--
Every person, erecting/ re-erecting any
structure in a colony-- shall comply with
building bye-laws-- use of land, layout plan,
zoning regulations, site coverage, height , set
back lines, structural / sanitary requirements,
architectural control, design and material to be

CHAPTER III
REGISTRATION OF
PROMOTERS AND
ESTATE AGENTS

 21- Registration compulsory-- business of promoter/ estate
agent to be carried out as per conditions of certificate of
registration granted
 Registration to be obtained- based on application with fee made
to CA-who may enter applicant name in register as
promoter/estate agent and grant a certificate of registration
 22- conditions of Registration—In case of promoter- any
employee
 /applicant/partner/director – must possess prescribed
qualification
 --for Estate Agent- applicant should have the qualification
prescribed
 -Furnish a bank guarantee/security of prescribed amount-
except statutory body
 --Income tax clearance certificate from IT Authorities
 --not been convicted of an offence under this Act/any
law relating to construction/ use of premises/if convicted, a
period of five years has elapsed after that conviction
 ---Provided any authority created for development of land/
housing under any law exempted from these conditions-- and
granted a certificate of registration on application

 24. Qualifications for registration- Promoter/ Estate
agent.-
 (a) For Promoter
 -- applicant himself/ his employees /partners / directors
 -- should be Matriculate/ possess equivalent qualifications
 -- not less than eighteen years of age
 -- at least five years experience in development of colonies/
construction of buildings -whether as a construction
engineer/architect/a town planner / as a contractor
 --furnish a bank guarantee/ security of fifty thousand rupees
 (b) Estate agent,
 -- the applicant should be Matriculate
 --not less than eighteen years of age
 --should not be in employment of Government / State
undertaking/local authority
 -- Should not have been dismissed from service of Government
 -- have at least five years experience as an estate agent.
 --furnish a bank guarantee/ security of ten thousand rupees

 23-- Renewal of Registration- validity- five years
 -- renewed for another period of five years on an application
made- conditions of Sec 22 continue to be fulfilled --
application made at least 3 months before expiry of
registration.
 24. Refusal to grant/renew registration- only after opportunity
of being heard- by recording / communicating applicant.
 25-cancellation of Registration-- registration is liable to
cancelled, if the promoter /estate agent, -
(a) surrenders the certificate of registration as he does not wish
to continue carrying on the business ;
(b) applied to be adjudicated / adjudicated/ un-discharged
insolvent
(c) adjudicated to be of unsound mind by a competent court
(d) convicted of an offence under this Act/under any law
relating to construction or use of premises and a period of five
years has not elapsed after that conviction ;
(e) contravened terms or conditions of registration or any
provisions of this Act or the rules made there under.

 26-Notice before cancellation—Notice before cancellation to be
given-
 -consider the explanation given CA may pass an order
 -during the pendency – registration can be suspended
 27-Carrying out business after cancellation of Registration–
deemed to carryout business without registration
 28—Maintenanace of accounts and record– every registered
promoter to maintain record/register in prescribed manner
 --CA to maintain register for all licenses given/refused &
certificates of registration issued/refused- available for inspection
on demand
 29 Audit- All accounts of Promoter/EA to be audited by a chartered
Accountant annually with copy produced that amount collected has
been used for the specified purpose only
 30- Periodic Return—Prescribed returns filed by promoters/
estate agents
 31-Inspection—Competent Authority may inspect/cause to be
inspected accounts of promoters/ estate agents at any time during

CHAPTER IV--
MISCELLANEOUS
PROVISIONS

 32 Urban Development Fund—For all licensed
colonies-- promoter to make payment of service
charge @ Rs 1/psm of plotted area to be developed-
excluding the area for public use- in two equated
installments- first/second within 60 days/ 6 months of
grant of license- promoter to pass the same to allottee
 - Amount collected to constitute Urban Development
Fund
 -amount not paid to be recovered as arrears of land
revenue
 --Fund to be used for – benefit of allottees,
development of colonies, promote Research and
Development in T&CP, urban affairs
 State to publish annually report of activities financed
from the fund and statement of accounts

 29. Utilisation of fund.-
 The Punjab Urban Development Fund
 -- in addition to the purposes specified in sub-
section (4) of section 32, also be utilised for
(i) up-gradation and modernisation of
technology in town planning and urban affairs.
(ii) providing training facilities in urban
management and town and country planning;
and
(iii) organising seminars, workshops and
conferences on town and country planning
urban affairs and urban management.

 33- State Government to appoint an officer/
authority as-appellate Authority
 -- to hear appeals against the order of Competent
Authority
 - person aggrieved by the order of CA within 30 days
may appeal
 AA to hear both the parties and pass order in writing
 -- order of AA to be final unless revised by the state
Government
 34 Revision– State Government may
 -- suo moto/application made by aggrieved party within
60 days-
 -- review the order passed by the CA/AA- and
 -- after hearing both the parties Revise the orders
 - no further revision shall be made thereafter


 36– Offences by promoters/estate agents-
 -- for violations of sec 3,6,9-- on conviction, punished
with imprisonment upto three years/fine up to ten
thousand rupees/both.
 --sec 9- misuse of funds-- imprisonment for a term
not less than six months extended to five years/ with
fine not be less than two thousand rupees extendable
up to ten thousand rupees or amount in respect of
offence was committed, whichever is greater/ or both
 -- fails to comply with/contravenes, any other
provision of this Act/ rule/ does not pay penalty
imposed- imprisonment for a term which may extend
to one year, or with fine which may extend to ten
thousand rupees, or both
 In case of compounding of offence- no further action to
be taken and person released

 39- Illegal construction made to be
demolished- on a notice given /failure of
applicant to satisfy CA
 43- Over- riding effect of Law--
notwithstanding anything to contrary contained
in any other law/ or in any contract.
 44- Exemptions-- Subject to section 32- nothing
in this Act shall apply if promoter is,-
(a) a local authority /statutory body constituted
for development of land/ housing ;
(b) a company/body created for development of
land /housing/ promotion of industry wholly
owned /controlled by State/Central Govt
(2) In case of hardship- state may exempt- any
class of persons /areas -- from all/ any of
provisions of this Act -on such terms/ conditions
as it may impose.


45- Power to make Rules
-46– Repeal-- The Punjab
Regulation of Colonies Act, 1975
is hereby repealed.
(2) The repealing of the Act
shall not affect-- previous
operation of the Act so repealed
or anything duly done or
suffered thereunder

the Punjab
Apartment and
Property
Regulation Rules,
1995.

 ‘amenity’ includes-- roads, water supply,
street lighting, drainage, sewerage,
public parks, schools, hospitals, community
centres and other community
 buildings, horticulture, land-scaping and any
other public utility service

 10. Application for licence and documents to be used and
fee to be paid for grant of licence.-
a) demand draft @ rupees 500 / hec subject to a minimum
of 2000 as licence fee
(b) income tax clearance certificate;
(c) experience as promoter
(d) financial position of promoter;
(e) Plans and documents in triplicate, -
(i) copies of title deeds
(ii) Shajra Plan showing location of colony
(iii) a guide map
(iv) a survey plan of land under the proposed colony on
(v) layout plan of a colony
(vi) an explanatory note with salient features of colony--,
water supply arrangement / site for disposal / storm and
sullage water;

 vii) cross-sections of the proposed roads indicating
(ix) detailed specifications and designs of road works
 (vii) and estimated cost thereof;
(x) detailed specifications /designs of sewerage,
storm water, and water supply schemes with
estimated costs of each;
(xi) detailed specifications/ designs for disposal and
treatment of storm and sullage water/estimated
costs
(xii) specifications/ designs for electric supply
including street lighting.


 (i) colony, other than industrial colony-
 - land reserved for roads, open spaces, schools, public
and community buildings and other common uses-- shall
not be less than 45% of gross area of colony
 --Provided competent authority may reduce this
percentage, to 35% where, in its opinion
 -- planning requirements and size of colony so justify;
 For industrial colony—
 land reserved – for community buildings etc as
mentioned aforesaid - shall not be less 35% of gross
area of colony,
 -- Provided that CA may reduce this percentage to 25%
 -- where, in its opinion planning requirements and the
size of colony so justify

 11. Inquiry by competent authority .-
 CA to enquire into following matters--
(a) title to the land
(b) extent and situation of the land;
(c) financial /managerial capacity of
promoter
(d) layout plan of colony;
(e) development works to be executed
(f) conformity of development with
neighbouring areas and master plan

 12. Conditions required to the fulfilled by the
applicant.-
 (1) Applicant, found fit for licence shall be asked to;-
(a) furnish bank guarantee equal to 25% of estimated
cost of development work
(b) an undertaking for completion of development
works
(i) maintain a separate account in any Scheduled Bank
of all sums, taken by him from persons and utilize this
amount for meeting cost of development works ;
(ii) pay proportionate External development charges
 -- maintain all roads/ open spaces, public parks/ public
health services for a period of five years from issue of
completion certificate
 --construct /get constructed community buildings or
transfer land to State Government either free of
cost/payment of actual cost of development of land, as
decided by the State Government

 13. Grant of Licence.- CA shall grant a licence--
 -- after promoter furnished a bank guarantee of 25%
estimated cost of development works
 -- deposit service charges as provided under section
32.
14. Renewal of Licence.- (1) If promoter fails to
complete development works within a period of three
years
-- Apply for renewal of his licence at least thirty days
before the expiry accompanied by:-
(i) a demand draft @ fifty per cent of the fee
prescribed as renewal fee
(ii) income tax clearance certificate;
(iii) details of development works completed/in
progress/ to be undertaken;
(iv) reasons for non-completion of development works .
--CA shall on satisfaction renew licence for one year.

 21. Building Regulations.-
 -- In areas falling within municipality-- bye-laws of
municipality shall be applicable and
 -- in areas falling outside municipality, building rules
made under the Punjab Regional and Town Planning
and Development Act, 1995 shall be applicable.
 22. Release of Bank Guarantee.- After development
works in a colony get completed,
 -- completion certificate to be issued
 -- CA - on an application from Promoter,
 release within three months bank guarantee after
adjusting amount incurred under sub-section (13) of
section 5.
 Provided one-fifth of bank guarantee shall be kept
unreleased
 - to ensure up-keep /maintenance of the colony for a
period of five years

Thanks for
your patience
and time

The Punjab apartment and property regulation act, 1995

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The Punjab apartment and property regulation act, 1995