2 min read
25 May 2021

What is DDA housing scheme?

The Delhi Development Authority (DDA) Housing Scheme is a government initiative in India aimed at providing affordable housing options to the residents of Delhi. It is a comprehensive program that includes the development and sale of residential units, primarily flats and apartments, at affordable prices. The scheme is designed to cater to individuals across different income groups and offers a mix of housing options to meet diverse needs.

The Delhi Development Authority (DDA), in collaboration with the Government of India, is offering 18,000 new flats to the residents of Delhi this year via the DDA housing scheme. This scheme is linked to the CLSS scheme under the Pradhan Mantri Awas Yojana (PMAY), which offers a credit linked subsidy of up to Rs. 2.67 lakh to three categories of applicants divided by income.

Based on the sheer number of applicants for the DDA housing scheme of 2017 and DDA housing scheme of 2018, the authority has upped the number of flats it is offering in 2019. Reports say that the DDA is offering 7,700 flats for the economically weaker sections, 8,330 flats for the low income group, 1,550 flats for the middle income group and 450 flats for the high income group. In order to avail this affordable housing scheme in Delhi, you are required to pay a fee, which depends on the income group that you fall under. These new flats for the 2019 iteration of the scheme are located in Delhi’s Vasant Kunj and Narela locality.

Here is a look at all you need to know to register for the DDA housing scheme so that you can buy an affordable home in Delhi. 

DDA Housing Scheme eligibility criteria

In order to enjoy the benefits of this affordable housing scheme in Delhi, you are required to meet the eligibility criteria of DDA flat scheme. They are as follows:

  • You must be a citizen of India and over the age of 18 at the time of application
  • You must have a PAN card
  • You must not own, either fully or in part, any residential property having carpet area exceeding 67 meters in Delhi
  • If you have any prior allotments under the Delhi awas yojana, you are ineligible for the scheme

Documentation required to apply for the DDA Housing Scheme

The required documents are an important part of your application process as they attest to your eligibility. They are as follows:

  • Affidavit for non-ownership of property in Delhi
  • Affidavit declaring the relationship with your spouse. (This applies for joint applications.)
  • Identity and address proof documents, which include self-attested copies of PAN card, Aadhaar card or Voter’s ID
  • Self-attested copy of the passbook relating to the bank account mentioned in the application
  • Copy of NOC from the mortgage issuer attested by a notary

Online application method for the DDA Housing Scheme

As per a recent change, the DDA housing scheme 2019 is only accepting online applications. Here are the steps to follow.

  • Visit the official DDA website
  • Click the button that says ‘Online application form’
  • Navigate the page for the application form and fill it up
  • Upload your latest photograph and signature before submitting the application
  • Make the payment using the online payment gateway. The amount you’ll have to pay depends on the category you’ve chosen. If you have picked more than one, you will have to pay the fee for the higher category

You can also apply for the DDA flat scheme by visiting the websites of banks including SBI, HDFC, ICICI Bank, Kotak Mahindra and Yes Bank.

This affordable housing scheme in Delhi is of prime importance if you wish to own a home in 2019 and meet the criteria. However, you can also become a homeowner via the Delhi Awas Yojana, which offers 300 units to applicants who will be chosen on the basis of lots under the Master Plan Delhi 2021. No matter which scheme you choose, keep in mind that property, especially in the capital, comes at a steep price and it is wise to opt for a home loan to ease the strain on your finances. Home loans come in handy as you can use the funds to either buy, build or renovate your home, all the while enjoying tax benefits. You can get up to Rs. 1.5 lakh as a deduction on the principal loan amount and Rs. 2 lakh deduction on interest payments.

All you are tasked with now is finding a suitable loan offer, and the Bajaj Finance Home Loan is an incredible option to consider. You can get up to Rs. 15 crore* as a sanction at a nominal interest rate for a flexible tenor of up to 40 years, which translates to affordable EMIs. Furthermore, you get access to other value-added features like the property dossier and doorstep services for pick-up of your important documents. You can enjoy all these benefits and more by simply applying for this loan online. To get started, check your pre-approved offer and get access to a customised home loan offering.

DDA Housing Scheme features

The DDA Housing Scheme aims to provide affordable housing to Delhi residents with various features:

  1. Affordability: The scheme offers budget-friendly housing options.
  2. Inclusivity: Diverse housing choices cater to different preferences.
  3. Online application: Streamlined process through the official DDA website.
  4. Eligibility: Varies based on income and housing type.
  5. Reservation categories: EWS, LIG, MIG, and HIG categories with specific criteria.
  6. Random draw system: Transparent allocation through a randomised draw.
  7. Developed infrastructure: Well-planned projects with essential amenities.
  8. Financing options: Collaborations with banks for competitive home loans.
  9. Allotment and possession: Successful applicants receive allotment letters and possession.
  10. Resale and transfer: Permitted in certain cases for flexibility.
  11. Regular updates: Information communicated through official channels.
  12. Regulatory compliance: Adherence to building codes and safety standards.
  13. Sustainable practices: Emphasis on environmentally friendly initiatives.
  14. Customer support: Dedicated support for applicant queries and concerns.

The DDA Housing Scheme strives to ensure housing aspirations are met efficiently and transparently.

Benefits of the DDA Housing Scheme under PMAY

The DDA Housing Scheme under Pradhan Mantri Awas Yojana (PMAY) offers numerous benefits:

  1. Affordable housing: Provides cost-effective housing solutions for diverse income groups.
  2. Inclusive housing options: Caters to EWS, LIG, MIG, and HIG, ensuring inclusivity.
  3. Subsidised interest rates: Eligible individuals may benefit from subsidised interest rates on home loans.
  4. Financial assistance: Offers financial assistance and subsidies, particularly for EWS and LIG categories.
  5. Online application process: Streamlined online application process for convenience.
  6. Transparent allotment process: Ensures fairness through a transparent allotment process, often using a random draw.
  7. Developed infrastructure: Projects include well-developed infrastructure and amenities.
  8. Environmental sustainability: Emphasises eco-friendly practices and sustainability.
  9. Reduced slum dependence: Contributes to reducing dependence on slums and informal settlements.
  10. Facilitates urban development: Supports planned urban development with access to essential services.
  11. Opportunity for homeownership: Enables individuals to realize the dream of homeownership.
  12. Boost to real estate sector: Stimulates economic growth by encouraging construction activities.
  13. Resale and transfer options: Provides flexibility with options for resale and transfer of housing units.

The DDA Housing Scheme under PMAY stands as a comprehensive initiative, aligning with the government's commitment to affordable housing for all.

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