Chandigarh Housing Board

• Established: 1976, under the Chandigarh Housing Board Act, 1976
• Official portal: chbonline.in
• Allotment method: Computerised draw of lots for fresh schemes; e-auction for unsold and resale inventory
• Income categories: EWS (up to Rs. 3 lakh/year), LIG (Rs. 3-6 lakh), MIG (Rs. 6-18 lakh), HIG (above Rs. 18 lakh)
• CHB properties are widely accepted as loan collateral by banks and housing finance companies once allotment is complete
• Bajaj Finance offers home loans from 7.25% p.a.* p.a.* with amounts up to Rs. Rs. 15 Crore*, usable to finance both a fresh CHB allotment and a resale CHB property once restrictions on transfer lapse.

The Chandigarh Housing Board was constituted under the Chandigarh Housing Board Act, 1976, with a mandate to provide planned housing below market rates to residents of India's first fully planned city.

Chandigarh's status as a compact Union Territory, with development strictly governed by the city's original master plan, means land supply is limited and tightly controlled — making CHB one of the few structured, legitimate channels through which residents can access housing at below-market prices.

CHB is distinct from housing boards in most other Indian cities in one specific respect: because Chandigarh's master plan restricts private developer activity far more tightly than in most metros, CHB's schemes represent a disproportionately large share of the city's available housing stock relative to private, open-market supply. This scarcity is also why CHB-allotted properties have historically commanded a meaningful premium in the resale market once the standard transfer restriction period lapses.

CHB operates as one board covering the entire Union Territory, unlike some larger cities that split housing development across multiple parallel agencies. This single-board structure means every scheme, sector, and allotment across Chandigarh routes through the same application and verification process, which makes CHB's own portal the single reliable source to track for a resident scanning the city for their next housing opportunity, rather than having to monitor several separate agency websites.

Bajaj Finance holds no role in CHB's allotment process; this page exists to help a prospective applicant or buyer understand how CHB works and where home loan financing fits in.

CHB allots properties across four income-based categories, with eligibility and unit size varying by scheme.

Beyond income, common eligibility conditions include Chandigarh residency (or meeting the domicile criteria specified for a given scheme) and, for some schemes, not already owning residential property in Chandigarh. EWS and LIG allottees under certain schemes are also linked to PMAY-U beneficiary selection, giving them access to the Credit-Linked Subsidy Scheme interest subsidy on a home loan taken against their CHB allotment.

Income limits and unit-size bands are periodically revised by CHB, so treat the figures above as an indicative reference and confirm the exact current limits against the specific scheme notification you are applying under, since a scheme launched this year may carry slightly different thresholds than one launched several years earlier.

CHB uses two distinct allotment mechanisms depending on whether a scheme is a fresh launch or involves existing unsold or resale inventory.

Computerised draw of lots, used for new scheme launches:

1. CHB announces a new housing scheme, specifying category-wise unit count, pricing, and location
2. Eligible applicants register and pay the registration amount online through the CHB portal
3. Applications are verified against the scheme's eligibility criteria
4. A computerised draw allocates specific units to successful applicants
5. Selected applicants complete payment as per the scheme's payment plan — lump sum with a rebate, or an instalment schedule

E-auction, used increasingly for unsold inventory and specific site categories:

1. CHB lists available residential, commercial, or plotted sites on its e-auction portal
2. Interested bidders register and submit bids within the specified window
3. The top qualifying bid, subject to any reserve price, wins the allotment
4. The successful bidder completes payment formalities within the stipulated timeline

A prospective applicant should check the current scheme notification carefully, since CHB specifies which mechanism applies to each individual scheme rather than using one method uniformly across all its inventory.

Applying for any CHB scheme requires a standard document set, though specific schemes may ask for additional category-specific proof:

1. Proof of identity: Aadhaar card, passport, or voter ID
2. Proof of residence: Recent utility bills or a residence certificate establishing Chandigarh domicile where required
3. Income proof: Salary certificate, Income Tax Returns, or a self-employment income certificate, to confirm your category eligibility
4. PAN card: For financial verification and payment processing
5. Passport-sized photographs: Recent photographs as specified in the application form
6. Category-specific certificates: Where a scheme reserves units for specific groups (differently-abled applicants, ex-servicemen, or similar), the relevant supporting certificate

Incomplete documentation is the most common reason applications face delay or rejection at the verification stage, so cross-check the specific scheme's document checklist on the CHB portal before submitting.

For applicants relying on a home loan to fund part of the purchase, it is worth gathering income and identity documents in a form that satisfies both CHB's application requirements and a lender's separate loan-eligibility documentation upfront, since the two processes run in parallel rather than one after the other, and duplicate document requests late in the process are a common source of avoidable delay.

When applying for Chandigarh Housing Board schemes, you will typically need the following documents:

1. Proof of identity: Aadhaar Card, passport, or voter ID.
2. Proof of residence: Utility bills or residence certificate.
3. Income certificate: To verify your income eligibility.
4. PAN card: For financial verification.
5. Passport-sized photographs: Recent passport-sized photographs of the applicant.
6. Duly filled application form: Ensure you complete the application form correctly.

Consider Simran, a 31-year-old government employee in Chandigarh earning Rs. 78,000 a month (Rs. 9.36 lakh a year, placing her in the MIG category), with a CIBIL score of 742. Simran is allotted a flat under a CHB MIG scheme priced at Rs. 48 lakh, payable through CHB's instalment plan.

Because CHB is a government housing body with an established, transparent allotment process, lenders process title and eligibility verification for CHB properties without the additional legal complexity that can arise with private resale transactions, since CHB's own records already establish clear allotment and payment history.

Check your Home Loan Eligibility before applying for a CHB scheme, so you know your financing capacity ahead of committing to a specific unit and payment plan.