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Affordable Housing Schemes in India

The Indian government is encouraging affordable housing schemes with a focus on buyers belonging to different sections of society. The central government housing schemes are an ambitious plan offering people affordable housing under the Housing for All initiative, by the year 2022. These new housing schemes are as follows.
 

Pradhan Mantri Awas Yojana (PMAY)

Pradhan Mantri Awas Yojana, launched in 2015, aims to provide houses for the homeless. The government is offering this scheme to all UTs and states. It also offers interest subsidy for home loans for first-time buyers in urban areas.
 

Pradhan Mantri Gramin Awas Yojana

Pradhan Mantri Gramin Awas Yojana, earlier known as Indira Awas Yojana, is an affordable housing scheme focusing on homeless families and providing them with Pucca houses with basic amenities. This government housing scheme offers financial assistance and shares the cost of construction with the state.
 

Rajiv Awas Yojana


Rajiv Awas Yojana, launched in 2009, aims to bring all illegal constructions within a formal system to encourage a slum-free India. Under this affordable housing scheme, the centre approves the scheme as Affordable Housing in Partnership or AMP.

Apart from the Centre, new housing schemes are also available from the states. State-run schemes providing affordable housing for people include:
 

DDA Housing Scheme


Delhi Development Authority Housing Scheme is a new housing scheme launched in December 2018. DDA Housing Scheme will offer apartments for high income groups, middle income groups, and low-income groups, while there will be some reservations for the economically weaker sections of the society.
 

Tamil Nadu Housing Board Scheme


Tamil Nadu Housing Board Scheme, started in 1961, has now developed into a full-fledged organisation and offers shelter to people from various income groups. This scheme also has subsidiary schemes under it, such as the Sevvapet Phase III Scheme and Ambattur Housing Scheme.
 

Mhada Lottery Scheme


Maharashtra Housing and Area Development Authority is a lottery scheme launched every year. Mhada lottery scheme is meant for buyers from various income groups. A major portion of the units in the scheme will be reserved for the poorer sections.
 

NTR Housing Scheme


NTR Housing Scheme from the Andhra Pradesh government has a target of providing 19 lakh houses before the elections in 2019. The Centre will offer subsidy for homes linked with the PMAY scheme. In this scheme, the beneficiary will have to contribute only one-third amount of the principal.
 

Home Loan on Housing Schemes


Bajaj Finserv offers easy Home Loans in India. Whether you are booking a plot or buying a flat under various Housing Schemes, a Bajaj Finserv Home Loan will be a wise choice.