Government Support Schemes for House-Buyers in India

The Government of India has always been favorable in terms of affordable housing for everyone. Time and again, we see certain schemes as well as measures through which housing is made more affordable and reachable to the masses. Some of the schemes by the central and state governments that have been benefitting people from various income groups are –

Pradhan Mantri Awas Yojna

This is a scheme by the government of India. The main aim of this scheme is to provide affordable housing to Economically Weaker Sections. This scheme offers an interest saving of up to Rs. 2.67 Lakhs depending upon the economic category of the buyer. Based on the family’s annual income, as a beneficiary, you can be in EWS, LIG, MIG 1, or MIG2 category. Taking a home loan is necessary under this scheme as most benefits of this scheme are in the form of interest subsidies.

According to the economic category, the loan amount and the size of the property you can buy, are determined. Special preference is given to Women and Senior citizens under this scheme. Senior citizens are only allotted houses on the ground floor.

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Haryana Housing Board Housing Scheme

The Haryana Housing Board came into existence in 1971. It has always been a priority of HHB to construct and allot homes to socially and economically weaker sections of society.

A new scheme has been started by the HHB called Haryana Urban Development Scheme or HUDA, which offers freehold residential and commercial plots. It is a lottery scheme only for people having an annual income of lesser than 3 Lakhs.

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Kerala Housing Board Housing Scheme

Just like the Haryana Housing Board, Kerala Housing Board was also founded in 1971, and since then, it has always worked upon providing affordable residential spaces to economically weaker sections of the society. KHB has time and again brought schemes that have benefitted people and have made them homeowners. Some of these schemes are Kowdiar Heights, Haritham Apartments, Griha Sree Housing Scheme, etc.

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Maharashtra Housing and Area Development Authority Scheme

MHADA has a number of schemes under which a certain number of houses are constructed and reserved for people under this scheme. The houses are then allotted following a lottery procedure depending upon the category of the beneficiary.

Only the residents of Maharashtra with a domicile certificate can apply under this scheme. This scheme has houses ranging from Rs. 14.6 Lakhs to Rs. 5.8 Crores, across LIG, MIG, and HIG economic sections.

You can also apply for MHADA schemes through PMAY and avail of extra benefits on interest on housing loans.

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Delhi Development Authority Housing Scheme

This scheme is associated with PMAY and provides affordable housing to people depending upon their income groups, pretty much similar to that of MHADA.  The DDA housing scheme offers flats ranging from Rs. 10 Lakhs to Rs. 1.73 Crores across EWS, LIG, MIG, and HIG economic sections.

To be eligible for this scheme, you must be an Indian resident over 18 years of age, and fall in EWS, LIG, MIG, or HIG. Also, you or your spouse or dependent children should not own a plot or a flat with a built-up area of 67 sq. m. or more.

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NTR Urban Housing Scheme

Introduced in 2016, the Nandamuri Taraka Rama Rao (NTR) Housing Scheme aims to provide affordable housing to Andhra Pradesh’s underprivileged citizens. By the end of 2016, a total of 73,041 houses were allotted to EWS category people. The cost per house was Rs. 3.5 Lakhs and government subsidies were Rs. 2.5 Lakhs(Rs 1.5 Lakhs from Central Government and Rs. 1 Lakh from State Government).

Any citizen of Andhra Pradesh who is not already a beneficiary of any state housing scheme and has a BPL/White Ration Card can apply for a house under this scheme.

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Tamil Nadu Housing Board Scheme

Very similar to DDA and MHADA, the Tamil Nadu Housing Board also constructs and reserves houses to be provided under this scheme. However, unlike the lottery system in DDA and MHADA, TNHB uses an auction system to provide houses to people belonging to any of the five categories i.e. – EWS, LIG, MIG, HIG, and Super HIG.

To apply for a house under TNHB Scheme, you must be a resident of Tamil Nadu, be 21 years of age, and do not own any property under the TNHB scheme(applies to the spouse, as well as dependent children.)

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In addition to these schemes, post-pandemic, the government has brought in some measures through which housing has been made more easily affordable. For example, interest rates on housing loans are at an all-time low, stamp duties have been reduced, and multiple offers from public and private housing boards are going on. The importance of owning a home has been realized by more and more people, as well as the government in the past two years. And as a result, the government wants more and more people to own a house and more and more people want to own a house. It is a pretty ideal scenario to buy a house and/or invest in real estate.


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Ashiana, Ashiana Housing build homes. Homes surrounded by vast green spaces and fresh breeze. Homes cocooned in secured gated complexes. Homes where futures are forged and there are opportunities to grow. And Homes in environments brimming with healthy activity, trust and respect. At heart, we build communities with care.

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