The Kerala State Housing Board (KSHB) plays an important role in housing people in Kerala, especially those from economically weaker backgrounds and middle-income groups. This scheme supports homeownership and contributes to the state’s broader social welfare goals. Whether you're a first-time homebuyer or someone looking for affordable housing options, understanding the benefits, eligibility, and documentation can help you make a more informed decision.

What Is the Kerala State Housing Board?

The KSHB was established in 1971 to improve the state’s housing system. It has its headquarters in Thiruvananthapuram and manages multiple housing projects and schemes that help people from various economic backgrounds. The primary objective of KSHB is to provide affordable and quality housing to all sections of society, especially low and middle-income families. Over the years, the board has developed a strong presence through planned townships, flats, and individual housing units. This contributes strongly to the state’s social development.

The Kerala State Housing Board housing schemes refer to a range of housing and development schemes initiated by the KSHB to provide affordable, accessible, and sustainable housing solutions to the residents of Kerala.

Benefits of Kerala State Housing Board Schemes

The housing schemes in Kerala are beneficial for financially disadvantaged families and people who face challenges in securing housing through regular means. These are some of the benefits:

Financial Support

This is one of the key objectives of the KSHB schemes, and it helps families that do not own houses or land. They provide subsidised housing projects and include government-backed initiatives, allowing families to secure permanent housing.

Subsidised Costs

KSHB offers housing units at subsidised costs and subsidised home loan interest rates. This makes homeownership more accessible to low and middle-income groups. The board also improves transparency in pricing, which reduces the risk of exploitation.

Easy Access to Housing Loans

Applicants under the Kerala housing scheme may get easier access to loans from financial institutions. This is because these schemes are government-recognised and improve their credibility.

Inclusive Development

These schemes help improve inclusive urban and rural development, ensuring housing for all sections of society, regardless of economic background, caste, or location.

Eligibility Criteria for KSHB Housing Schemes

To make sure that the benefits of its housing schemes reach the intended groups, the KSHB has set eligibility criteria. These may vary slightly depending on the specific scheme, but these are the general conditions:

1. Applicants must be permanent residents of Kerala.
2. Applicants will need to verify their identity using the required documents.
3. Applicants must not own any property or land outside the state.
4. Applicants generally need to be 18 years or older.

Documents Required for KSHB Housing Schemes

To apply for a Kerala housing scheme, applicants have to fulfil certain documentation requirements. The commonly requested documents include:

1. Identity Proof: Aadhaar card, passport, PAN card, and voter ID.
2. Proof of Residence: Aadhaar card, passport, or electricity or water bill.
3. Income Proof: Family income certificate, bank statements, or salary slips.
4. A ration card certifying BPL/APL is also typically required.

*Please refer to the official KSHB website for the most up-to-date information on the eligibility and documentation requirements.

Apply Now

Types  of Housing Schemes Offered by KSHB

There are various Kerala housing schemes, including:

Suraksha Housing Scheme

The Suraksha Scheme is for families who come from economically weaker sections. Under this scheme, eligible applicants receive financial assistance for constructing a house if they possess at least 2 cents of land.

Laksham Veedu Padhathi

This scheme provides financial aid for renovating broken down twin houses into single units, as well as the reconstruction of single houses.

Tsunami Reconstruction Program

This program aims to benefit people living in coastal districts, including Trivandrum, Malappuram, Kozhikode, Kannur, and Kasargod.

Conclusion

The KSHB has played a large role in improving Kerala’s housing system by offering inclusive and affordable housing solutions. With accessible financial support and simplified documentation, these schemes help families own or access secure homes.

Looking for your dream home in Kerala? SMFG Grihashakti supports you with home loans of up to INR 1 crore* with interest rates starting at just 10%* per annum. Check your eligibility and apply online today!