The Indian government introduced the Affordable Housing Scheme in several states such as Uttar Pradesh, Delhi and others to assist first time homebuyers in becoming homeowners. Thousands of families living in kutcha huts around the nation are given access to cheap housing choices by the government through this scheme. The aim of this scheme is to enable residents who have never owned a pucca home in the country to do so either alone or in collaboration, according to the government.
Affordable Housing Scheme List
The government has started housing programs to help the people who live in various regions of the nation in India. These schemes assist individuals from a variety of backgrounds in purchasing their own houses. The scheme’s primary goal is to improve the quality of life for those who are part of society’s Economically Weaker Section (EWS).
These housing policies are especially aimed to make home ownership easier and more affordable for those in the lower and middle income groups. These schemes offer qualified people paying interest home loan subsidies for the purchase or construction of a home equipped with utilities like electricity and water.
Keywords of the Affordable Housing Scheme
| Name of the scheme | Affordable Housing Scheme |
| Introduced By | Ministry of Housing & Urban Affairs |
| Managed by | Central Government of India |
| Year | 2025 |
| Beneficiaries | Urban & Rural Residents |
| Objective | To guarantee that this housing option is available to all homeless families |
| Total Benefits to Families | 1 Crore families |
| Eligible Communities | LIG, EWS, MIG |
| Application process | Online |
| Official website | _______ |
Objective of the Affordable Housing Scheme
The main objective of this scheme is to give Indian citizens access to a variety of cheap home alternatives through several government housing assistance programs. Through this scheme, the government gives thousands of families that are facing housing insecurity a chance by granting citizens a means of subsistence in the nation.
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 Central Government of India launched the Pradhan Mantri Awas Yojana Urban in 2016 with the goal of giving urban houses a place to call home by providing financial support for the building of pucca homes in urban areas. Over 93.19 lakh homes have already been built and given to recipients as of the moment. The government authorized 2,34,864 additional homes in nine states under this housing scheme. More than 1.25 lakh homes including those for widows and single women, have been granted for women only out of the homes approved today under PMAY-U 2.0, guaranteeing women’s empowerment.
Eligibility Criteria
- The applicant must live in India.
- The applicant must be from urban EWS, LIG, or MIG households.
- The applicants are not allowed to possess a home in the state.
- The applicant must come from a lower-middle-class background.
- Widows, single women, people with disabilities, elderly people, transgender people, SC/ST people, minorities and other vulnerable groups such as street sellers and construction workers, will be given priority.
Credit Linked Subsidy Scheme (CLSS)
A component of the Pradhan Mantri Awas Yojana (PMAY), the Credit Linked Subsidy Scheme (CLSS) targets the EWS, LIG and MIG segments of society. To worthy households, the government offers housing loans up to Rs 6 lakh under this scheme. The government’s goal in implementing this program is to lower housing costs by granting interest subsidies on house loans. The government wants to guarantee that every family in the nation has a safe and secure place to live with the aid of this scheme.
Eligibility Criteria
- The applicant must live in India.
- The applicant must be from the EWS, LIG or MIG social groups.
PM Gramin Awas Yojana-Rural
The Pradhan Mantri Gramin Awas Yojana-R or PGAY-R is a centrally supported program created by the Indian government for rural residents who are unable to build their own homes in their communities because of financial difficulties. Under this scheme, the government provides worthy applicants with financial assistance for the construction of homes. The government hopes that by providing this scheme, every rural resident will have a safe and secure place to live.
The scheme provides rural households from SC ST categories with a means of subsistence in the form of permanent homes in rural areas. By providing this scheme, the government hopes to give residents who are not eligible for the Pradhan Mantri Awas Yojana the chance to construct their own pucca home, allowing them to leave kutcha homes and live in their own custom-built homes.
Eligibility Criteria
- The applicant must live in India.
- The applicants are not allowed to possess a home in the state.
- The applicant must come from a lower-middle-class background.
- Members of minority groups, including SC, ST and others, are also eligible to apply.
- No assistance from government-related housing programs may be given to applicants.
- The applicant cannot own any real estate, land or other assets.
DDA Housing Scheme
The Delhi Development Authority Housing Scheme was launched the DDA Housing Scheme, a housing aid scheme. The government provides residents in various places with reasonably priced plots through this policy, regardless of their socioeconomic standing or income. The government wants to guarantee that every citizen has access to a home by providing the capital’s residents with inexpensive housing alternatives. The government provides apartments under this program in a number of areas and the cost of these apartments may differ depending on the kind, size and location of the flats.
Eligibility Criteria
- The applicant must live in India.
- The applicant must live in Delhi permanently.
- The applicant must fall into one of the LIG, MIG or EWS categories.
- The applicants with permits who operate auto rickshaws and taxis are also welcome to apply.
- Discounted apartments are available to applicants in the SC/ST category.
- Applications are open to women, war widows, ex-servicemen, holders of bravery awards and those with impairments.
UP Govt Housing Scheme
The Uttar Pradesh government is another kind of UP housing project that offers the people of the state a variety of housing options at reasonable prices, including homes, plots and flats. By focusing on various wage brackets, the government makes sure that everyone has access to safe and secure housing. Through this scheme, the government hopes to enhance the quality of life for thousands of people by encouraging both urban and rural growth throughout the state and giving secure living circumstances.
Eligibility Criteria
- The applicant must live in Uttar Pradesh state.
- The Urban Land Ceiling Act shall not be violated by applicants.
- At the time of application, the candidate must be older than eighteen.
- The applicant cannot apply if they are already enrolled in another UPAVP program.
YEIDA Housing Scheme
The famous Yamuna Expressway Industrial Development Authority (YEIDA) Housing Scheme is based on the idea of transforming the nation’s capital by giving its citizens access to reasonably priced housing alternatives at lower prices than the market previously offered. In order to provide land plots to worthy Delhi citizens, officials hold a draw under this planning procedure. Residents of Delhi can enter a random drawing to win a land plot using this lottery method.
The government hopes to empower Delhi’s citizens by giving them a way of life in the form of plots through the YEIDA Plot Scheme. This authority’s primary responsibilities include regulating the development of land infrastructure, promoting an inclusive society by providing a standard of living for its people and accelerating urbanization and economic growth in India’s capital.
Eligibility Criteria
- The applicant must live in Delhi state.
- The applicant must be in the EWS, LIG or MIG categories.
- The applicant needs to have an Aadhar card connected to their personal bank account.
- The applicant household must earn less than Rs.10 lakh annually from all sources.
Required Documents
- Passport-size photograph
- Aadhar card
- Bank details
- Birth certificate
- Caste certificate
- Resident proof
- Income certificate
- Mobile number
Online Application Process
- First you have to visit the Official Website of the scheme.
- The homepage will appear on your screen.
- Click on the Apply Online option.
- The application form will appear on your screen.
- Enter all the necessary details in the form.
- You have to upload all the necessary documents.
- Click on the submit button.
Contact Details
- _______
FAQs
Who launched this Affordable Housing Scheme?
The Affordable Housing Scheme was introduced by the Indian government.
Which benefits are included in the Affordable Housing Scheme?
The government provides lower-middle-class citizens in the state with inexpensive housing options so they can build their own homes.
Who is eligible to apply for the Affordable Housing Scheme?
Applications are open to members of tribal communities, widows, transgender persons, Dalits, disabled people, agricultural workers, sanitation workers and others.
What is the official website of the Affordable Housing Scheme?
The official website of the Affordable Housing Scheme is https://yamunaexpresswayauthority.com/