The Maharashtra Housing and Area Development Authority, also known as MHADA, provides schemes giving residents of Maharashtra access to affordable residential property. Mumbai’s MHADA scheme offers over 1,300 low-cost houses via a lottery system. The winning applicants are segregated based on their income.
The cost of these houses or flats ranges from Rs. 14.6 lakh to Rs. 5.8 crore and varies depending on the income group. As per the authorities, in 2019, 63 flats were to be allotted to the economically weaker section (EWS), 126 to low-income group (LIG), 201 to middle-income group (MIG) and 194 units to high-income group (HIG) applicants.
Latest updates 2025
MHADA lottery 2025: 5,000 affordable homes set to go on sale in Mumbai this Diwali, says Maharashtra Housing Authority
The Maharashtra Housing and Area Development Authority (MHADA) is expected to announce its next housing lottery around September–October 2025. According to Sanjeev Jaiswal, MHADA’s Vice President and CEO, nearly 5,200 affordable flats are likely to be included in this upcoming draw. These homes will be spread across various parts of Mumbai, though final details like price, schedule, and exact locations are still being worked out. In 2024, more than 2,000 homes priced between Rs. 29 lakh and Rs. 6.82 crore were available. These were in areas like Juhu, Goregaon, Andheri, and Tardeo, including premium ready-to-move properties.
Now that you know the basics about MHADA full form and the affordable housing schemes it offers, here’s more information you should be aware of before applying for the MHADA lottery scheme.
What is MHADA Lottery scheme?
The MHADA Lottery Scheme is a government-backed initiative launched by the Maharashtra government to provide affordable housing to residents from various income brackets. The process is carried out online to ensure it remains fair and transparent. Those who wish to buy a home through MHADA must first apply and then wait for the results of a random draw.
The flats are distributed under four income-based categories:
Economically Weaker Section (EWS)
Lower Income Group (LIG)
Middle Income Group (MIG)
High Income Group (HIG)
This system allows eligible applicants to own a home at subsidised rates in well-developed areas of the state. Over the years, MHADA has built homes in cities like Mumbai, Pune, Nagpur, and Nashik to help more people own property.
What are the various MHADA Boards in Maharashtra?
MHADA works through several regional boards to carry out its housing and development programmes across different parts of Maharashtra. Each board oversees specific areas and manages lotteries, construction, and administration for its zone. These boards are:
Mumbai Housing and Area Development Board (MHADB)
Konkan Housing and Area Development Board (KHADB)
Pune Housing and Area Development Board (PHADB)
Nagpur Housing and Area Development Board (NHADB)
Nashik Housing and Area Development Board (NHADB)
Chhatrapati Sambhajinagar Housing and Area Development Board (AHADB)
These boards ensure that housing development is balanced and accessible across urban and semi-urban regions.
Types of MHADA Lottery Schemes
MHADA provides several different schemes to suit the needs of various homebuyers across the state. These are designed to make housing accessible and inclusive:
General Lottery – Open to all who meet the eligibility criteria.
Pradhan Mantri Awas Yojana (PMAY) – Focused on homes for economically weaker sections.
First Come, First Serve (FCFS) – Homes are allotted based on the order of applications.
E-Auction – Bidders can compete for commercial units and plots.
Comprehensive Housing Schemes – Customised for government employees, widows, and disadvantaged groups.
Each scheme has its own eligibility requirements and processes, but all aim to support the government’s mission of affordable housing for all.
What is MHADA lottery scheme eligibility criteria?
Category |
Annual family income (Mumbai, Pune, Nagpur) |
Annual family income (Rest of Maharashtra) |
Carpet area |
EWS |
Up to Rs. 6 lakh |
Up to Rs. 4.5 lakh |
30 sqm |
LIG |
Up to Rs. 9 lakh |
Up to Rs. 7.5 lakh |
60 sqm |
MIG |
Up to Rs. 12 lakh |
Up to Rs. 12 lakh |
160 sqm |
HIG |
Above Rs. 12 lakh |
Above Rs. 12 lakh |
200 sqm |
- You must be over the age of 18 years
- You must have a domicile certificate that proves you’re a resident of Maharashtra
- You must have a PAN card
- You must be a salaried professional
Note that you can’t apply on behalf of your children or if you’re already a beneficiary of another MHADA lottery scheme.
Moreover, you can apply for a home loan based on your monthly income. Take a look at the eligibility criteria with regards to this.
- If your monthly income is between Rs. 25,001 and Rs. 50,000, you can apply for LIG flats
- If your monthly income is between Rs. 50,001 and Rs. 75,000, you can apply for MIG flats
- If your monthly income is over Rs. 75,000, you can apply for HIG flats
What are the documents required for MHADA lottery?
Here are the documents you will need to provide when applying for the MHADA housing scheme to prove your eligibility.
- Aadhaar card
- PAN card
- Domicile certificate
- Passport
- Voter’s ID
- Birth certificate
- Driver’s license
- School leaving certificate
MHADA Lottery refund policy 2025
If an applicant is not selected in the MHADA lottery draw, their Earnest Money Deposit (EMD) will be refunded within 7 working days. However, the application processing fee and applicable GST charges are not refundable under any circumstances.
Pricing of MHADA houses lottery scheme in Mumbai
The authority in charge of the scheme has set fixed prices for the units available under the MHADA lottery housing scheme. They are as follows.
- Units available to EWS applicants are priced under Rs. 20 lakh
- Units for LIG applicants retail between Rs. 20 lakh and Rs. 30 lakh
- Units earmarked for MIG applicants cost between Rs. 35 lakh and Rs. 60 lakh
- Units for sale to HIG applicants will set you back by Rs. 60 lakh and Rs. 5.8 crore
What is the application process for MHADA lottery scheme?
Now that you are familiar with the nitty-gritty of the scheme, let’s walk you through the easy application process.
- Log on to MHADA’s official website and register by creating an account
- Then click here to apply for the MHADA Pune scheme or the MHADA Mumbai scheme.
- Fill out the MHADA online form for the city of your choice with basic information
- As per your income group, select the lottery and scheme you wish to participate in
- Print your application acknowledgement for future reference
- Use any of the available online payment methods to make your payment and complete the process
MHADA Lottery: First Come, First Serve (FCFS) Scheme
The First Come, First Serve scheme allows applicants to book a home without waiting for a draw. Units are allotted in the order of applications received. This option is mainly available for homes under the EWS and LIG categories, offering quicker access to affordable housing.
Can you sell your MHADA flat?
MHADA flats come with a five-year lock-in period, during which the buyer cannot sell the property. After this period, the owner is free to sell the flat legally. Some people try to bypass this rule using a Power of Attorney instead of a registered sale deed. This method is illegal and risky — if MHADA conducts a check and finds such a deal, the buyer may lose possession of the property. Always follow proper legal procedures when dealing with MHADA properties.
MHADA E-Auction 2025
MHADA holds online e-auctions for shops and plots across different regions in Maharashtra. Interested buyers can register and participate through the MHADA e-auction website. This is a transparent bidding system open to eligible participants.
Conclusion
Housing schemes are a great way to reduce the cost of becoming a homeowner. Moreover, these units are newly developed and hence may offer better amenities compared to other apartments. However, a 2018 report highlighted that of the 9,000 houses listed under the MHADA lottery scheme, over 10% were lying vacant. This is because most of these units are earmarked for the Pradhan Mantri Awas Yojana (PMAY), and there aren’t enough applicants available. Thus, it’s a good idea to consider applying through PMAY so that you can enjoy a hefty interest subsidy to the tune of Rs. 2.67 lakh. Bajaj Housing Finance Limited Home Loan is one option that facilitates application via PMAY.
Through Bajaj Finserv, you can get a home loan of up to Rs. 15 crore* as a sanction to buy, build or renovate your home. Additionally, you benefit from a nominal interest rate and a flexible tenor of up to 32 years. You can also expedite the application process by applying online. But first, check your pre-approved offer as you can apply using a personalised offering that suits your financial profile.
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Who can get MHADA flats?
MHADA flats are available to residents of Maharashtra who fall within specific income categories: Economically Weaker Section (EWS), Low-Income Group (LIG), Middle-Income Group (MIG), and High-Income Group (HIG). Eligibility criteria include income limits, residency proof, and adherence to scheme guidelines.
Beyond MHADA eligibility criteria, having a pre-approved home loan can significantly improve your chances in any housing scheme and provide backup options if lottery results don't work in your favour. Bajaj Finserv serves applicants across all income categories with CIBIL Scores of 725 and above. Check your eligibility for comprehensive home financing solutions. You may already be eligible, find out by entering your mobile number and OTP.
How does the MHADA lottery system work?
The MHADA lottery system works by inviting applications from eligible individuals. After the application process closes, a random computerised lottery is conducted. The winners are then allotted flats based on their income category and preferences, ensuring transparency and fairness in the distribution process.
While waiting for MHADA lottery results, it's wise to explore alternative financing options to ensure you're prepared for any outcome. Home loan from Bajaj Finserv offers 5,000+ approved projects and balance transfer facilities, giving you flexibility in your home buying journey. Check your loan offers to stay prepared for various housing opportunities. You may already be eligible, find out by entering your mobile number and OTP.
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