Housing is one of the fundamental needs of every individual, and the government of Chhattisgarh has made it a priority to provide affordable and quality housing to its residents. The Chhattisgarh Housing Board (CGHB) is the primary agency responsible for planning, developing, and implementing housing projects across the state.
This guide offers a detailed overview of CGHB, its objectives, key functions, major projects, and how you can apply or book a property online. We’ll also look into how a home loan can support you in this process.

What Is the Chhattisgarh Housing Board?

The CGHB is a government agency formed under the Chhattisgarh Housing Board Act of 1972 . It aims to provide affordable housing facilities to all sections of society, especially economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG). CGHB is tasked with the development of residential colonies, integrated townships, and allied infrastructure to foster planned urban growth and meet the rising demand for quality homes.
The board operates under the guidance and supervision of the state government, working closely with various stakeholders to ensure the effective implementation of housing policies.

Objectives and Vision of Chhattisgarh State Housing Board

The CG Housing Board is committed to shaping inclusive and sustainable communities by addressing the diverse housing needs of the state’s population. Its mission is guided by several key priorities:

• Expanding Access to Affordable Homes: CGHB is focused on delivering thoughtfully designed and cost-effective residential options tailored to lower- and middle-income families, ensuring equitable access to quality housing.
  
• Balanced Urban and Rural Growth: By developing integrated housing complexes, townships, and residential colonies, CGHB promotes planned development across both cities and rural regions, helping bridge the urban-rural divide.
  
• Transforming Informal Settlements: One of CGHB’s vital goals is to replace unorganised slum areas with structured, safe, and dignified housing, enhancing the standard of living for underprivileged communities.
  
• Encouraging Private Sector Collaboration: The Board actively engages with private developers and builders through Public-Private Partnerships (PPP) to scale housing infrastructure and stimulate local real estate markets.
  
• Promoting Eco-Conscious Living: With a strong focus on sustainability, CGHB integrates green building practices and environmentally responsible planning in its projects to reduce ecological impact and cultivate long-term livability.

Key Functions of the Chhattisgarh Housing Board

The CGHB plays a pivotal role in shaping the state's residential and urban landscape. Its work spans multiple sectors of housing and infrastructure, contributing significantly to inclusive and organised development. The main functions of CGHB include:

Land Procurement and Township Planning

CGHB is responsible for acquiring land from both government and private sources to develop residential and commercial infrastructure. It then converts these lands into organised townships and housing colonies designed to accommodate growing urban and semi-urban populations.

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Construction and Infrastructure Provision

Beyond building affordable homes for various income groups, CGHB ensures that its projects are equipped with essential amenities. These include green spaces, educational institutions, healthcare centres, and marketplaces, contributing to the creation of self-sustaining communities.

Financial Facilitation and Housing Allocation

To support homebuyers, CGHB partners with lending institutions to offer accessible financing solutions. The board also ensures a fair and transparent property distribution system, often utilising online registrations and lottery draws to allocate units.

Slum Upgrading and Resettlement

A major focus of CGHB is transforming informal settlements by relocating slum dwellers into structured housing projects. These new homes are designed to offer a better standard of living, complete with reliable electricity, clean drinking water, and sanitation services.

Execution of Government Housing Schemes

CGHB is the implementing agency for various state and central initiatives, including flagship programs like Pradhan Mantri Awas Yojana (PMAY) and Mukhyamantri Awas Yojana. These schemes aim to make housing more accessible and affordable for all segments of society.

Application Process for CGHB Housing

Applying for a housing unit through the CGHB is a straightforward process, designed to be convenient and accessible for all applicants. Here’s a step-by-step guide to help you navigate the application process:

1. Visit the Official CGHB Website

Start by going to the official portal of the Chhattisgarh Housing Board. This is the primary source for all project listings, application forms, and updates.

2. Select a Housing Project

Browse through the list of current and upcoming residential projects. Choose the one that best suits your location preference, budget, and housing needs.

3. Review Project Details

Before proceeding, carefully read through the project brochure, layout plans, and eligibility requirements. Understanding the terms, pricing, and amenities offered will help you make an informed decision.

4. Complete the Application Form

Fill out the online application form with accurate personal and contact information. Make sure you have an active mobile number and a valid email ID for communication and verification purposes.

5. Upload Supporting Documents

Prepare and upload the necessary documents, including ID proof, address proof, and income certificates. If you're applying jointly (e.g., with a spouse), ensure you include a joint photograph and documentation for both applicants.

6. Confirm and Submit

Read the terms and conditions carefully, check the details you’ve entered, and then submit your application online. Ensure all uploaded files are clear and legible to avoid processing delays.

7. Proceed to Booking

Once your application is successfully submitted, you’ll be directed to the next stage – booking. Follow the instructions provided to reserve your chosen unit and complete any required payments.

Major Housing Projects  By the Chhattisgarh Housing Board

CGHB has initiated numerous housing projects targeting different income groups and regions. These projects aim to provide affordable, quality homes with modern amenities. Some of the flagship projects include:

• Atal Vihar Yojana: Affordable flats and houses mainly for EWS and LIG families in urban and semi-urban areas.
  
• Integrated Townships: Large residential complexes offering a range of housing options along with schools, parks, commercial spaces, and healthcare facilities.
  
• Smart City Housing Initiatives: Part of urban renewal, these projects integrate smart technologies for water, power, and security management.
  
• Commercial and Mixed-use Developments: Besides residential, CGHB also develops commercial spaces to support urban economic growth.

Key cities served include Raipur, Bilaspur, Durg, and Korba, among others.

Key Projects and Ongoing Developments 

Here are some notable ongoing developments by CGHB:

• Rajiv Nagar Awas Yojna (Arang): This project offers independent houses ranging from 1 to 2 BHK, with built-up areas between 341.09 to 934.94 sq. ft. Prices start at INR 7.60 lakhs, and parking facilities are included.
  
• Kabir Nagar Phases III and IV, Raipur: These phases feature independent houses with 3 and 4 BHK options, built-up areas ranging from 1,274.84 to 2,573.36 sq. ft., and prices starting at INR 39.95 lakhs. Parking is available.
  
• Chitrakote Heights, Jagdalpur: This development includes 2 and 3 BHK apartments, with built-up areas between 923.97 to 1,263.47 sq. ft., starting at INR 34.10 lakhs. Parking facilities are provided.

If you're exploring external financing for any of these, use a home loan EMI calculator to estimate monthly repayments and plan your finances wisely.

How to Book a Property Online on CGHB

The CGHB's online booking system makes it easier to secure your dream home. Here’s how:

• Access the CGHB Portal or App: Visit the web portal or use the official CGHB mobile app.
  
• Browse Available Properties: Filter properties by city, project, and category.
  
• Register or Log In: Create a new account or log in to your existing account.
  
• Select Property and Submit Application: Fill the booking form, upload necessary documents, and proceed to payment.
  
• Pay the Booking Amount: Make payments online through secure gateways.
  
• Track Application Status: Monitor the allotment and booking progress via the portal.

This digital approach reduces physical paperwork and helps applicants stay updated throughout the process.

Conclusion

The Chhattisgarh Housing Board (CGHB) is a vital institution committed to transforming housing accessibility in the state. Through its well-structured housing projects and transparent processes, CGHB provides affordable and quality homes to diverse income groups.

If you are seeking financial support for your dream home, look no further than SMFG Grihashakti. We offer competitive home loan interest rates, flexible tenures of up to 30 years*, and straightforward home loan eligibility criteria for a smooth borrowing experience. Apply online today for financing of up to 90%* of the property’s value!