Government Housing Scheme in India 2023

February 23, 2023


The Government of India has launched several housing schemes to provide affordable housing solutions to the economically weaker sections of society. These initiatives have been introduced to address the growing housing shortage and improve the standard of living for individuals and families in need of adequate housing.

The schemes offer a range of financial benefits and subsidies, making it easier for eligible citizens to purchase or construct a home. If you’re looking for a comprehensive overview of government housing schemes in India, read on to learn more.

Pradhan Mantri Awas Yojana 2023

The Pradhan Mantri Awas Yojana (PMAY) is a comprehensive housing scheme in India launched by the government to provide affordable housing to all citizens, particularly those from economically weaker sections and low-income groups. This initiative addresses the pressing need for affordable housing in the country and promotes financial stability among its citizens.

PMAY: Eligibility Criteria

  • Citizenship: Indian citizens are eligible to apply for the scheme.
  • Income: Applicants must belong to the Economically Weaker Section (EWS), Low-Income Group (LIG), Middle-Income Group I (MIG-I), or Middle-Income Group II (MIG-II) categories, as defined by the government.
  • Family: The scheme is available for nuclear and joint families, including married couples and individuals.
  • House Ownership: Applicants must not own a pucca house in any part of the country.
  • Location: Applicants must reside in an urban/ rural area as the government defines.
  • Loan: Both housing finance organizations and banks offer loans with subsidies, and the National Housing Bank and the Housing & Urban Development Corporation are the central organizations responsible for disbursing these loans.

PMAY: Schemes

  • PMAY (Urban): This housing scheme in India targets urban areas and provides financial assistance for constructing, renovating, or purchasing a house.
  • PMAY-Gramin (Rural): This housing scheme in India targets rural areas and provides financial assistance for constructing, renovating, or upgradation a house.
  • PMAY-Credit Linked Subsidy Scheme (CLSS): This scheme provides subsidies on home loans to economically weaker sections, low-income groups, and middle-income groups.
  • PMAY-Affordable Housing in Partnership (AHP): Another housing scheme in India provides financial assistance for constructing affordable housing projects in partnership with public and private sector organizations.

How to Apply for the PMAY Housing Scheme?

  • Navigate to the official website of PMAY.
  • Click ‘Benefits under three other components’ under the ‘Citizen Assessment’ tab.
  • Furnish your Aadhaar Number for verification and click on ‘submit.’
  • On successful verification, you will be redirected to the application form, here, fill in all the essential details following the requirements.
  • Next, enter the human verification captcha and click ‘submit.’

Delhi Development Authority Housing Scheme

The Delhi Development Authority (DDA) is a government organization that provides affordable housing solutions to residents of the National Capital Territory of Delhi, India. The DDA operates several housing schemes which aim to provide residents with access to safe and affordable housing.

DDA: Eligibility Criteria

  • Citizenship: The applicant must be a citizen of India.
  • Age: The applicant must have reached the age of 18 or older.
  • Property ownership: The applicant should not already own a residential plot larger than 67 sqm or a flat/build-up house with a carpet area exceeding 67 sqm in Delhi, New Delhi, or Delhi cantonment.
  • Joint application: Husband and wife can each apply for a flat individually, but if both are approved, only one will be allotted a flat, and the application fee of the other will be returned. Only one application can be submitted in one’s name or as a joint applicant.
  • Income criteria: Applicants applying for economically weaker section flats must have a combined or individual income of fewer than three lakhs per year and a household income of less than Rs 10 lakh per year. There are no income requirements for other categories.
  • Bank account information: Applicants must provide their bank account details on the application form.
  • Joint application for reserved categories: In the case of a joint application for the SC or St reserved category, the joint applicant must be a family member. In the case of a joint application for war widows, persons with disabilities, ex-servicemen, or other reserved categories, the applicant must belong to the respective category, and the joint applicant must be a family member.

DDA: Ongoing Scheme [First Come First Serve]

The Delhi Development Authority (DDA) initiated a housing scheme on September 12, 2022, that operates on a first-come, first-serve basis. This scheme aims to eliminate the previous issues of long waiting periods and rejection after allotment.

A total of 8,530 DDA flats are available, including those for the Low Income Group (LIG) and the Economically Weaker Section (EWS). During the first phase, 1,281 of these flats will be made available to the public until all have been sold. The number of flats may increase or decrease based on availability.

How to Apply for DDA Housing Schemes?

  • Go to DDA’s official website and register as a new user.
  • You must make an initial deposit while applying for the scheme, which will be adjusted in the flat cost.
  • Aspiring applicants can apply online for a specific flat, which will be allotted on a first-come, first-served basis.
  • After selecting a flat online, the applicant will be given a limited time frame of 30 minutes to complete the payment process. The flat will not be made available to other applicants during this time.
  • After receiving the payment, the flat will be reserved for the original applicant.

Haryana Housing Board Housing Scheme

The Haryana Housing Board housing scheme was launched by the Haryana Housing Board to provide affordable housing solutions to the state’s citizens. The scheme offers various categories of housing units, such as Low-Income Groups (LIG), Economically Weaker Sections (EWS), and others.

The scheme is open to all citizens of Haryana who meet the eligibility criteria, such as age, income, and property ownership. The application process is usually done through an online portal, and the allotment is done on a first-come-first-serve basis or through a lottery system.

Haryana Housing Board: Eligibility Criteria

  • They must be 18 or older and permanent residents of Haryana.
  • They should not currently own a residential home within the state of Haryana.
  • They should not have received any plot or house from the Housing Board Haryana in the past ten years.
  • The annual income criteria for different income groups are as follows.
  1. EWS: Up to INR 1 lakh per annum
  2. LIG: Between INR 1 lac to INR 2 lakhs per annum
  3. MIG: Between INR 2 lakhs to INR 4.5 lakhs per annum
  4. HIG: Above INR 4.5 lakhs per annum

How to Apply for Haryana Housing board Ongoing Schemes?

  • Navigate to the official website of the Haryana Housing Board
  • Explore the new schemes
  • You will be redirected to a new page by clicking the above link. Here, register yourself.
  • The registration form for the ongoing scheme will be displayed on the screen.
  • Furnish all the required details and submit the form.

Uttar Pradesh Housing Board

UPAVP is a leading housing agency in Uttar Pradesh established in 1966. It offers housing solutions, diversifies into urban development projects, handles district headquarters projects, and has expertise in resource mobilization.

With a strong financial base, UPAVP can execute turnkey projects of any magnitude and has developed 280,247 plots and houses suitable for different sections of society. UPAVP has 137 cities for its operations and has acquired 621.24 hectares of land in 78 cities for housing schemes.

Eligibility Criteria

  • No income limit for applying for a home through U.P Housing & Development Board
  • Minimum age requirement of 18 years old at the time of application
  • Cannot own more than the limit specified under the Urban Land Ceiling and Regulation Act-1976, including any property allotted by the Housing Board
  • The new registration will be canceled if the applicant or their family has already been allotted a property under a different scheme.
  • Cannot own any other property in the city where the house is allotted or own more than one property in the entire state
  • Previous registrants with the Housing Board who were not allotted a property can re-register by paying the balance amount, with interest earned on the last deposit settled in the final installment.

Uttar Pradesh Housing Board: Schemes

  • House Accommodation Scheme (Grihsthan Yojna): This scheme aims to provide affordable housing solutions to the residents of Uttar Pradesh.
  • Re-housing Scheme (Punarvas Yojna): This scheme is designed for people who require re-housing or want to upgrade their existing houses.
  • Slum Improvement and Clearance Scheme (Malin Basti Sudhar Aur Nipathan Yojna): This scheme aims to improve the living conditions of people living in slums in Uttar Pradesh. The main focus of this scheme is to provide basic amenities and facilities to the residents of the slums.
  • Street Scheme (Sarak Yojna): This housing scheme in India aims to improve the residents’ connectivity and transportation facilities.
  • Deferred Street Scheme (Bhavi Sarak Yojna): This scheme aims to improve the state’s infrastructure and provide better connectivity to the residents.
  • Land Development Scheme (Bhumi Vikas Yojna): This scheme aims to provide better land infrastructure to the residents and increase the land’s productivity.
  • Expansion Scheme (Prasar Yojna): This scheme aims to provide better housing solutions to the residents by expanding the existing projects.
  • Flood Scheme (Barh Yojna): This scheme aims to provide housing solutions to the people affected by floods in Uttar Pradesh. This scheme aims to provide basic amenities and facilities to the flood-affected people and help them rebuild their lives.

How to Apply for Uttar Pradesh Housing Board Scheme?

  • Fill out the application form and challan (4 copies) in the application booklet.
  • Submit the completed form and registration amount (in cash or bank draft) to the approved bank in the respective city before the deadline.
  • If depositing by post, send the letter, bank draft, and challan to the Indian Overseas Bank in Lucknow before the deadline by registered post only.
  • The 4th copy of the challan will be returned to the applicant by the bank and should be kept safely.
  • Only complete and late submissions will be accepted.

Kerala Housing Board

The Kerala Housing Board (KHB) is a state-owned housing board in the Indian state of Kerala. It was established in 1965 to provide affordable housing solutions to the state’s people. The KHB is responsible for constructing, developing, and maintaining residential and commercial properties in Kerala.

Over the years, the KHB has undertaken several housing projects, both for the economically weaker sections of society and for the general public. It has built several thousand houses, apartments, and other residential buildings and developed several commercial and industrial projects. The KHB collaborates closely with the government, financial institutions, and other stakeholders to achieve its goals.

KHB: Eligibility Criteria

  • Residency in Kerala state: Only residents of Kerala state are eligible to apply.
  • Identity verification: Provide identity documents such as Aadhaar Card.
  • Bank account: A bank account and passbook statements are required.
  • Ration card: Applicants must have a ration card that lists the BPL/APL categories.
  • Property ownership: Applicants must not own any land or property within the boundaries of Kerala.

KHB: Schemes

  • Laksham Veedu Padhathi provides financial aid for reconstructing damaged twin and single residences.
  • Inventive Housing Program focuses on providing residential tenements for displaced workers in the urban region.
  • Tsunami Reconstruction Program helps implement coastal housing and resettlement programs in districts such as Trivandrum, Malappuram, Kozhikode, Kannur, and Kasargod.
  • Suraksha Housing Scheme provides financial assistance to economically disadvantaged individuals to build a house with a cost of Rs 30000 (previous program) or Rs 100,000 (new program).

Tamil Nadu Housing Board

The Tamil Nadu Housing Board (TNHB) was established in 1961 as an expansion of the City Improvement Trust, which was created in 1947 to address the housing needs of Madras City. TNHB is committed to providing affordable, affordable housing to people of all income groups, including the Economically Weaker Section, Lower Income Group, Middle Income Group, and Higher Income Group.

The organization is known for its ability to develop self-contained, large neighborhood schemes and is a leading institution in India for providing shelter to various income groups. The objective of TNHB is to provide a home for everyone in need.

Tamil Nadu Housing Board: Eligibility Criteria

  • Applicants must be 21 years or older at the time of allotment.
  • No prior ownership of the house, flat, or plot by the applicant, spouse, or minor children in TNHB.
  • Must be a resident of Tamil Nadu.
  • Income eligibility:
    • EWS: Up to Rs.12,000 per month
    • LIG: Rs.12,001 to Rs.18,000 per month
    • MIG: Rs.18,001 to Rs.37,000 per month
    • HIG: Rs.37,001 to Rs.62,000 per month
    • Super HIG: Rs.62,001 or above per month.

Tamil Nadu Housing Board: Schemes Offered

The Tamil Nadu Housing Board (TNHB) offers several sub-schemes for different state regions, allowing individuals to choose the best scheme that best meets their needs.

  • The Besant Nagar Division offers TNHB flats in Sholinganallur and Indra Nagar, with eligibility determined by the applicant’s income group and type of unit.
  • The Thanjavur Housing Division has schemes, including the Tamil University Campus Self-Finance and Pattukottai Self-Finance schemes.
  • The Trichy Housing Division provides commercial land for shops and other services.
  • The J.J. Nagar Division Scheme provides affordable housing in Nolambur Phase-1 and Ambattur regions.
  • The Hosur Housing Unit Scheme and Erode Housing Unit Scheme offer housing options for residents in the Economically Weaker Sections, Lower Income Groups, Middle-Income Groups, and High-Income Groups, with the Erode scheme available for purchase through either the hire-purchase or outright method.
  • The Coimbatore Housing Unit Scheme is only open to Middle Income Group and High Income Group members, with the option to construct homes through the self-finance mode of payment.

How to Apply for Tamil Nadu Housing Board Schemes?

Step 1: Obtain an application form from the Tamil Nadu Housing Board. The cost is ₹225 for the Lower Income Group (LIG) and ₹560 for the Higher Income Group (HIG).

Step 2: Contact the designated City Division or Mofussil Unit listed in the advertisement to obtain the application form in person or by e-mail after paying the required fee.

Step 3: Fill out the application form using the instructions provided.

Step 4: Register the completed application form with the appropriate Division/Unit office before the deadline along with the registration fee, either in cash or through a Demand Draft.

Step 5: Submit the application form along with the initial payment specified.

Maharashtra Housing and Area Development Authority Scheme

MHADA, a government organization in Maharashtra, has a rich history in housing. Its goal is to improve the standard of living for the underprivileged. Over 70 years, it has provided affordable housing to nearly 7.5 lakh families across the state, 2.5 lakhs of which are in Mumbai. MHADA has faced challenges and changes in the housing sector but has remained adaptive.

It was formed in 1948 to address the housing shortage caused by urbanization and migration in the pre-independence era, including the Hindu refugee settlement in Mumbai after the partition of India.

Eligibility Criteria

  • Ensure that you are at least 18 years old.
  • Make sure you are a resident of Maharashtra and have a domicile certificate as proof.
  • Possess a valid PAN Card.

How to Apply?

Step 1: Navigate to the official MHADA website and either create a new account or log in to your existing one.

Step 2: Provide the required information, including your mobile number, and confirm it through an OTP.

Step 3: On the redirected page, fill out your personal and professional information and upload the necessary documents in JPEG format.

Step 4: Make your payment online to complete your application.

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What is the highest loan amount obtainable for government housing programs in India?

PMAY is the most extensive government housing scheme in India. The highest loan amount obtainable from PMAY is INR 12 lakhs.

What is the rate of interest for government housing programs in India?

The interest rate for government housing schemes in India ranges from 3.00% to 6.40%.

Is there a restriction on income for accessing government housing programs in India?

The applicant should have to qualify for the income eligibility criteria stated by the housing boards.

Can I apply for multiple government housing programs in India?

Applying for multiple government housing schemes in India is possible.


Srivalli is a literature aficionado and a connoisseur of aesthetics. As a finance professional, she is an avid reader by passion and a writer by profession. Her poetry reflects her admiration for art. She believes that art is integral to the evolution of life.

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