To make homeownership accessible for first- time home buyers, the Government of India launched an “Affordable Housing Scheme” in different states including Uttar Pradesh, Delhi, etc. Under this scheme, the government provides affordable housing options to thousands of families living in kutcha houses anywhere in the country. By offering this scheme the government aims to allow residents who have never owned a pucca house in the country, either independently or jointly with another person. If you’re a resident and wish to avail any one of the affordable housing scheme as per their preference or choice by applying for the same online so keep reading this article for knowing the complete process of online application.
Objective of Affordable Housing Scheme
The primary objective of the affordable housing scheme is to provide a hub of affordable housing options in the form of various government housing welfare schemes to residents of India. Under this scheme the government provides a chance to thousands of families who are struggling with housing insecurities by allowing residents with a means of living in the country. By offering this scheme the government aims to ensure that every homeless citizen has a safe and secure place for calling home.
Important Factors of Affordable Housing Scheme
| Name of the Scheme | Affordable Housing Scheme. |
| Introduced By | Ministry of Housing & Urban Affairs |
| Governing Body | Central Government of India. |
| Year of Approval | 2025-26 |
| Motto | Housing for All |
| Intention | To ensure that every homeless family receives this housing opportunity and reduce the ratio of homelessness in the country. |
| Total Families Benefitted | 1 Crore Families. |
| Benefits | Deserving residents receive affordable housing options |
| Eligible Communities | LIG, EWS, MIG, LIG. |
| Beneficiaries | Urban & Rural Residents. |
| Mode | Online |
| Official Website | – |
List of Affordable Housing Scheme
Here is a list of affordable housing schemes:-
- Pradhan Mantri Awas Yojana- Urban 2.0
- Credit Linked Subsidy Scheme (CLSS)
- PM Gramin Awas Yojana- Rural
- DDA Housing Scheme
- UP Govt Housing Scheme
- YEIDA Housing Scheme
Pradhan Mantri Awas Yojana- Urban 2.0
The ‘’Pradhan Mantri Awas Yojana- Urban’’ is a transformative initiative designed by the Central Government of India in 2016 aiming at providing an access to the urban residents to call a place to home by offering financial assistance for the construction of pucca houses in urban areas. As of now, more than 93.19 Lakh houses have already been constructed and delivered to beneficiaries. Under this housing scheme, the government approved a total of 2,34,864 new houses in nine States. Among the houses approved today under PMAY-U 2.0, more than 1.25 lakh houses have been sanctioned for the women alone, including single women and widows, ensuring empowerment of women. Meanwhile, 44 houses have been allotted to Transgenders. By offering this scheme the government aims to promote inclusiveness and social equity among different underprivileged groups with 42,400 houses allotted in name of for SC beneficiaries, 17,574 houses for ST beneficiaries and 1,13,414 for the OBC.
Eligibility Criteria
To be eligible for PMAY-U, applicant must have to meet the following eligibility criteria these are as mentioned below:-
- Applicants must be a permanent resident of India.
- Applicants must belong to EWS, LIG, and MIG families in urban areas.
- Applicants must not have their own house in the state.
- Applicants must be a member of a lower middle-class family.
- Priority will be given to widows, single women, persons with disabilities, senior citizens, transgenders, SC/ST individuals, minorities, and other vulnerable groups, including street vendors and construction workers.
- If a beneficiary’s parents received a pucca house from prior schemes, the beneficiary will only be considered after other eligible families.
Credit Linked Subsidy Scheme (CLSS)
The Credit Linked Subsidy Scheme (CLSS) is an element of Pradhan Mantri Awas Yojana (PMAY), that targets EWS, LIG and MIG segments of society. Under this scheme the government provides home loans up to Rs 6 lakh to deserving families. By offering this scheme the government aims to make housing more affordable by providing interest subsidies on home loans. With the help of this scheme the government aims to ensure that every family has a safe and secure place for their survival in the country.
Eligibility Criteria
To be eligible for (CLSS), applicant must have to meet the following eligibility criteria these are as mentioned below:-
- Applicants must be a permanent resident of India.
- Applicant must belong to EWS, LIG and MIG segments of society.
PM Gramin Awas Yojana- Rural
The PGAY-R translates to Pradhan Mantri Gramin Awas Yojana- Rural is a centrally-sponsored scheme designed by the Government of India for the rural citizens who are struggling with any type of financial problems and due to this are unable to construct their own house in the rural regions. Under this scheme the government offers financial support to deserving candidates for the development of houses. By offering this scheme the government aims to ensure that every rural citizen have a safe and secure place for living. Through the help of this scheme rural families from SC ST categories are able to receive a means of survival in the form of permanent houses in the rural regions. By offering this scheme, the government aims to ensure that those citizens who are deprived from Pradhan Mantri Awas Yojana can get an opportunity to build their own pucca house, through which they can move out of kutcha houses and live in their own maded pucca houses.
Eligibility Criteria
To be eligible for PMAY-G, applicant must have to meet the following eligibility criteria these are as mentioned below:-
- Applicants must be a permanent native of rural India.
- Applicants must not have their own house in the state.
- Applicants must be a member of a lower middle-class family.
- Applicants belonging to minority groups such as SC, ST, and Others can also apply.
- Applicants must not receive any aid from government related housing schemes.
- Applicants must not be an owner of any property, land, etc.
DDA Housing Scheme
The ‘’DDA Housing Scheme’’ is a housing welfare scheme introduced by the Delhi Development Authority Housing Scheme. Under this scheme the government offers affordable plots at affordable rates to the citizens at different locations irrespective of their income or socio-economic status. By offering affordable housing options to the citizens of the capital, the government aims to ensure that every citizen has access to their own house. Under this scheme the government offers flats at multiple locations and prices of these flats may vary based on category, size and location of the flats.
Eligibility Criteria
To be eligible for DDA Housing Scheme, applicant needs to fulfill the following eligibility criteria these are as mentioned below
- Applicants must be a permanent resident of Delhi.
- Applicants must belong to LIG,MIG,EWS, category.
- Applicants who are engaged in Auto-rickshaw (permit holders) and cab driver are also eligible to apply
- Applicants belonging to SC/ST Category are eligible to receive discounted flats.
- Women, war widows, ex- servicemen, gallantry award recipients and persons with disabilities are able to apply.
UP Govt Housing Scheme
The Uttar Pradesh government is another type of UP housing scheme that provides multiple housing schemes at affordable rates in the form of flats, plots and houses to the state’s residents. Under this scheme the government targets different income groups, ensuring that everyone has access to safe and secure places for living. By offering this scheme, the government aims to improve the lives of thousands of families by providing stable living conditions and promote urban and rural development across the state.
Eligibility Criteria
To be eligible for UP Govt Housing Scheme, applicant needs to clear the following eligibility criteria these are as follows:-
- Applicants must be a permanent resident of Uttar Pradesh.
- Applicants must not break the Urban Land Ceiling Act.
- Age of the applying applicant must be more than 18 years at the time of application.
- Applicant is already enrolled in any other UPAVP scheme then ineligible to apply.
YEIDA Housing Scheme
Yamuna Expressway Industrial Development Authority (YEIDA) Housing Scheme is a prestigious schem that works on the principle of transformation of the nation capital by allowing residents with affordable housing options at affordable rates than the market once. Under this plotting program authorities conduct a draw to allocate land plots to deserving residents of Delhi. Through this lottery system residents of Delhi get a chance to win a land plot through a random draw process. By offering this YEIDA Plot Scheme, the government aims to empower residents of Delhi by providing them with a means of living in the form of plots. This authority mainly works on controlling land infrastructure development, promoting an inclusive society by creating means of living for its citizens and boost economic growth and urban development in the capital of India.
Eligibility Criteria
To be eligible for YEIDA Housing Scheme, applicant needs to meet the following eligibility criteria these are as mentioned below:-
- Applicants must be a permanent resident of Delhi.
- Applicants must belong to the EWS, LIG, MIG category.
- Applicants must have their own bank account linked with an Aadhar card.
- Annual income of the applying family must be less than rupees 10 lakh per annum from all sources.
Required Documents
- Aadhar Card
- Bank Details
- Birth Certificate
- Caste Certificate
- Resident Proof
- Income Certificate
- Passport Sized Photograph
- Phone Number
Application Process
To apply online for Affordable Housing Scheme, applicant must have to follow some simple steps these are as mentioned below:
- Step 1: After clearing all the eligibility criteria’s applicant need to visit the YEIDA website.
- Step 2: Once the applicant reaches the home page of the official website, now needs to click on “Apply Online” option.
- Step 3: An application form will open on the screen
- Step 4: Now the applicant needs to enter all the asked details.
- Step 5: Once quickly review all the details carefully.
- Step 6: At last click on Submit to complete the process.
- In this way applicants can easily register themselves under the Affordable Housing Scheme Online.
Important Links
- Pradhan Mantri Awas Yojana- Urban 2.0
- Credit Linked Subsidy Scheme (CLSS)
- PM Gramin Awas Yojana- Rural
- DDA Housing Scheme
- UP Govt Housing Scheme
- YEIDA Housing Scheme
FAQs
Who launched this Affordable Housing Scheme?
Government of India, launched Affordable Housing Scheme.
Is it necessary to be a resident of India for the scheme?
Yes, it’s necessary to be a permanent resident of India for Affordable Housing Scheme
Can I apply Online for Affordable Housing Scheme?
Yes, you can apply online through official PMAY Urban 2.0 website.
What are the benefits covered under Affordable Housing Scheme?
Government offer affordable housing opions to lower middle-class residents of the state so that they are able to construct their own house.
Who can apply for Affordable Housing Scheme?
Disabled, agricultural laborers, sanitation workers, Dalits, widows, transgenders and people from tribal groups are able to apply.