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Top Government Housing Schemes in India

july 07, 2025
Top Government Housing Schemes in India

Owning a home is a dream for many, but rising property prices can make it feel like a challenging goal, especially for lower and middle-income families. To help bridge this gap, the Government of India has introduced several housing schemes aimed at making homeownership more affordable and accessible.
These initiatives are designed to provide financial support, subsidies, and easier access to housing for a wide range of income groups.
This guide will take you through the top government housing schemes in India to help you understand your options.

1. Pradhan Mantri Awas Yojana (PMAY)

Launched in 2015, the PMAY is one of India’s most well-known affordable government housing schemes. It aims to provide “Housing for All” and supports eligible families in both urban and rural areas.
The scheme offers financial assistance through the Credit Linked Subsidy Scheme (CLSS). Depending on the income group – Economically Weaker Section (EWS), Low Income Group (LIG), or Middle Income Group (MIG) – homebuyers can get an interest subsidy of up to INR 1.8  lakh on their home loans.
PMAY also promotes women’s homeownership by encouraging registration of properties in the name of a female family member. Special considerations are given to senior citizens and persons with disabilities, especially in the allotment of ground-floor units.

2. Haryana Housing Board

The Haryana Housing Board (HHB) was set up under the Haryana Housing Board Act, 1971 , to provide affordable housing to people from lower-income groups. The Board’s goal is to ensure that even those with limited financial resources have a fair chance at homeownership.
Under this scheme, freehold residential and commercial plots are allotted via a transparent lottery system.
The application process is straightforward – eligible applicants can apply by paying a small registration fee. Selected applicants receive freehold plots at prices well below market value, often in developed townships with good infrastructure. Applicants unsuccessful in the draw are refunded the amount.

3. Kerala Housing Board Scheme

The Kerala State Housing Board (KSHB) offers a range of housing projects that cater to every segment – from EWS to higher-income groups. These schemes are especially popular for their strategic locations, thoughtful planning, and government-supported financing.
Apartments are offered at affordable rates with the option to apply for financial assistance or home loans. Each project is designed with a focus on safety, accessibility, and sustainability. The application process can be completed online through the official KSHB website.

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4. Maharashtra Housing and Area Development Authority (MHADA)

The Maharashtra Housing and Area Development Authority (MHADA) offers affordable housing units across major cities like Mumbai, Pune, Nagpur, and Nashik through a lottery-based system.
Each year, thousands of homes are offered to various income groups – such as EWS, LIG, MIG, and HIG – meeting specific income thresholds.
To be eligible, applicants must be Indian citizens aged 18 or above, possess a valid domicile certificate for Maharashtra, fall under the relevant income group, and have a PAN card.
The application and allotment process is fully digital, and detailed instructions are available on the official MHADA website.

5. Delhi Development Authority (DDA) Housing Scheme

The Delhi Development Authority (DDA) Housing Scheme is known for offering homes in prime locations such as Siraspur and Narela. Homes are allotted through a computerised draw and are available across various income categories.
The scheme also works in alignment with PMAY, allowing eligible applicants to avail CLSS benefits within the prescribed ranges across EWS, LIG, and MIG income groups.
Homes are also reserved for individuals from Scheduled Castes (SC) and Scheduled Tribes (ST), persons with disabilities, ex-servicemen, and war widows.

6. NTR Housing Scheme - Andhra Pradesh

The NTR Housing Scheme, named after ​Nandamuri Taraka Rama Rao, was launched in 2016 under the PMAY scheme. Similar to PMAY, the aim is to provide pucca houses to the economically disadvantaged in Andhra Pradesh.
Aimed at first-time home buyers, the scheme is open to individuals with an annual income between INR 3 lakhs and INR 18 lakhs . Applications can be made online or at designated local offices.

Conclusion

A home is more than just four walls – it symbolises stability, security, and a place to truly call your own. Thanks to India’s diverse range of government housing schemes, millions of families now have the opportunity to achieve this dream.
If you're looking for housing finance solutions, SMFG Grihashakti can support your journey. We offer home loans of up to 90%* of the property’s value at competitive interest rates and flexible loan tenures. Apply online today or visit your nearest branch for personalised guidance.

FAQ's

Which is the largest housing scheme in India?

The Pradhan Mantri Awas Yojana (PMAY) is the largest government housing scheme in India. Launched in 2015, it aims to provide affordable housing to the urban and rural poor under the “Housing for All” mission.

What are the major housing schemes started by the Government of India?

Major housing schemes by the Indian government include Pradhan Mantri Awas Yojana (Urban and Gramin), Rajiv Awas Yojana, Kerala Housing Board Scheme, and the Delhi Development Authority Housing scheme, each focused on affordable and accessible housing.

Who is eligible for Pradhan Mantri Awas Yojana (PMAY)?

Eligibility includes individuals from Economically Weaker Sections (EWS), Low Income Groups (LIG), and Middle Income Groups (MIG I & II), who do not own a pucca house and meet the income and family criteria set under PMAY guidelines.

Disclaimer: *Please note that this article is for your knowledge only. Loans are disbursed at the sole discretion of SMFG Grihashakti. Final approval, loan terms, disbursal process, foreclosure charges and foreclosure process will be subject to SMFG Grihashakti’s policy at the time of loan application. If you wish to know more about our products and services, please contact us.

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