The Chennai City Improvement Trust was revamped to form the Tamil Nadu Housing Board (TNHB) in 1961. This authority constructs and auctions shelters for the various economic groups in Tamil Nadu. While Tamil Nadu Government housing schemes do share similarities with housing schemes of other states, they stand out by providing citizens with plots for commercial use, building educational institutions and offering other basic amenities as well as constructing affordable plots for potential homeowners. These plots are priced based on the locality and the income group that you as a beneficiary fall under. Furthermore, the authority also has reserved plots for categories such as SC/ST, government servants, defence personnel and more.
Keep in mind that the TNHB also constructs homes under PMAY and offers the PMAY subsidy as part of making home loans more affordable and homeownership easier for you. Due to the size of the state, the Tamil Nadu Housing Board also has several sub-schemes that cater to different parts of the state. Depending on your home buying needs, ensure to apply for the option that best suits you.
Tamil Nadu Housing Board (TNHB): Quick facts 2026
Refer to the table below for some quick facts about the Tamil Nadu Housing Board (TNHB).
Specifics |
Information |
Launched by |
Government of Tamil Nadu |
Scheme name |
Tamil Nadu Housing Board Scheme (TNHB) 2024 |
Objective |
Provide home to all Tamil Nadu residents |
Advantages |
|
Eligibility requirement |
Tamil Nadu residents |
Application method |
Offline |
Here are the important offerings under the Tamil Nadu Housing Board scheme (TNHB) that you can use to your advantage to buy a home.
Besant Nagar Division
This division of the Tamil Nadu Housing Board offers flats in various parts of Sholinganallur and Indra Nagar by drawing lots. To apply, you need to pay 5% of the unit cost as a fee. This fee depends on the income group you fall under as your income dictates what type of unit you qualify for. According to recent reports, there are 60 mid-income group flats in Indra Nagar while Sholinganallur has 280 units. The allottees are picked at random, and if you aren’t selected, the entire application fee will be refunded to you. If you are selected as a beneficiary, you are required to pay another 5% toward the provisional allotment order and the remaining 90% within 30 days. You can avail the various home loan schemes available in order to finance this cost.
Trichy Housing Division
This division of the TNHB caters to various needs of Tamil Nadu residents in areas such as Pudukkottai, Navalpattu, Valavanthankottai and more. Through this scheme, you get commercial land to put up shops, commercial units and other services enterprises. You can also get a plot to start educational centres such as nursery schools. These plots are allotted via an open auction. To apply, you need to pay 15% of the total price to secure your plot.
Thanjavur Housing Division
The Thanjavur Housing division of the TNHB offers its own set of housing schemes. These include the Pattukottai Self Finance Scheme, the Tamil University Campus Self Finance Scheme, the Tamil University Campus NH Scheme and the Thanjavur Scheme. All of these schemes have their own specifications but are ultimately segmented under the TNHB housing scheme.
Tamil Nadu Government housing schemes eligibility criteria
Now that you’re aware of the various Tamil Nadu Government housing schemes, you’re ready to make an informed decision. However, before you go ahead with the application, ensure to meet the eligibility criteria. While every scheme may have specific criteria, these are the general qualifications you need to meet:
- You must be over the age of 21 to apply
- You must be a native of Tamil Nadu
- You must not own property or plots through any prior Tamil Nadu Government housing schemes
- You must meet be salaried to qualify for an income category
Income criteria to apply for Tamil Nadu Housing Board Schemes
Different categories of flats in Tamil Nadu have different criteria, depending on income category, as the table below shows.
Flat category |
Income criteria |
EWS flats |
Rs. 12,000 per month |
LIG flats |
Rs. 12,001 to Rs. 18,000 per month |
MIG flats |
Rs. 18,001 to Rs. 37,000 per month |
HIG flats |
Rs. 37,001 to Rs. 62000 per month |
How to make the deposit for the Tamil Nadu Government housing schemes
To successful apply, you must pay the deposit amount via demand draft at the time of application. This can be done by visiting the city-specific division branch or Mofussil unit.
Now that you know about the various ways you can own property in the state, choose the right housing scheme in Tamil Nadu to become a homeowner more affordably. While you can access cost-effective homes or subsidies via these schemes, also pay a thought to availing an affordable home loan. The Bajaj Housing Finance Limited Home Loan, for instance, can work in your favour as it offers an incredibly high sanction at a flexible tenor and a nominal interest rate.
With this Home Loan, you can get up to Rs. 15 Crore* as a sanction and use the funding to either buy, build or renovate your allotted home or property. This sanction, coupled with a flexible tenor that can go up to 32 years enables you to comfortably repay the loan and become a homeowner with ease. You can even get started on the application online, but first, check your pre-approved offer for a customised deal. This allows you to benefit from a deal tailored to your profile and also expedites the loan sanction.
How to make the deposit for the Tamil Nadu Government housing schemes
To successful apply, you must pay the deposit amount via demand draft at the time of application. This can be done by visiting the city-specific division branch or Mofussil unit.
Now that you know about the various ways you can own property in the state, choose the right housing scheme in Tamil Nadu to become a homeowner more affordably. While you can access cost-effective homes or subsidies via these schemes, also pay a thought to availing an affordable home loan. The Bajaj Housing Finance Limited Home Loan, for instance, can work in your favour as it offers an incredibly high sanction at a flexible tenor and a nominal interest rate.
With this Home Loan, you can get up to Rs. 15 Crore* as a sanction and use the funding to either buy, build or renovate your allotted home or property. This sanction, coupled with a flexible tenor that can go up to 32 years enables you to comfortably repay the loan and become a homeowner with ease. You can even get started on the application online, but first, check your pre-approved offer for a customised deal. This allows you to benefit from a deal tailored to your profile and also expedites the loan sanction.
Helpful resources and tips for home loan borrowers |
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How to check TNHB projects and flats for sale
If you want to explore available flats or housing projects listed by the Tamil Nadu Housing Board (TNHB), you can easily do so online by following a few simple steps:
Step 1: Open your web browser and visit the official TNHB website at tnhb.tn.gov.in.
Step 2: Once the homepage loads, look at the left-hand side menu. You will find options such as:
- Flats for Sale
- View All Projects
Step 3: Click on the “Flats for Sale” option. This will allow you to open or download a PDF file that lists currently available flats. The document usually contains important details like:
- Location
- Price (in Rs.)
- Unit configuration
- Contact details
- QR code for more information
Step 4: If you select “View All Projects,” you will be redirected to a page showing a complete list of TNHB projects. Here, you can browse through different developments along with their key features and updates.
Tamil Nadu Housing Board: Divisions / Zones
The Tamil Nadu Housing Board (TNHB) is known for developing well-planned and sustainable housing across the state. Over the years, it has gained strong expertise in building residential complexes, commercial spaces, and even high-rise structures. The board continues to focus on eco-friendly construction and modern housing solutions.
TNHB manages several ongoing and upcoming projects, including residential units, office spaces, and community facilities. It also plans to take up redevelopment work in key urban areas to improve existing housing infrastructure and meet growing demand.
To handle allotment and administrative work efficiently, TNHB operates through 12 divisions or zones. These are:
- Anna Nagar Division
- Besant Nagar Division
- Foreshore Estate Division
- J.J. Nagar Division
- K.K. Nagar Division
- Nandanam Division
- Special Project I Division
- Special Project II Division
- Vellore Housing Unit
- Villupuram Housing Unit
- Wood Working Unit Division
- South Asian Federation Games Village Division
Allotment process of the Tamil Nadu Housing Board
Tamil Nadu Housing Board schemes are broadly divided into two categories:
- Residential
- Commercial
For residential units, TNHB invites applications from the public through advertisements in leading newspapers. These ads are published widely to reach eligible applicants. The board follows a reservation system based on different categories, and allotment is finalised through a lottery system conducted by an official committee.
The allotment committee includes representatives from TNHB, state revenue departments, and other government bodies. For commercial properties, TNHB follows a sealed tender combined with an open auction method. These opportunities are also announced in major Tamil and English newspapers.
The types of units offered under each category are as follows:
- Residential units
- Developed plots
- Individual houses
- Flats
- MSB units
- Commercial units
- Religious purpose sites
- Institutional sites
- Commercial plots or shops
- Public purpose sites
- School sites
How to apply for Tamil Nadu housing scheme in the offline mode?
If you prefer applying offline for a TNHB housing scheme, the process is straightforward and can be completed by visiting the relevant office.
- Step 1: Purchase the application form for your chosen category from the Tamil Nadu Housing Board office.
- Step 2: Fill in the required details and submit the form along with the initial deposit amount (in Rs.).
- Step 3: Application forms are usually available at the office of the Executive Engineer and Administrative Officer, J.J. Nagar Division, Chennai.
TNHB housing scheme for workers in urban areas
The Tamil Nadu Housing Board has introduced a special housing scheme aimed at sanitary workers living in urban regions. Under this plan, around 30,000 homes are expected to be built and allotted to eligible workers. The government intends to complete and distribute these houses within a period of three years.
Only sanitation workers who do not already own a house under any government housing scheme can apply. Applicants must be residents of Tamil Nadu and should be at least 21 years old. This scheme is exclusively designed for this group, so others are not eligible.
The construction work will be carried out jointly by TNHB and the Tamil Nadu Urban Habitat Development Board. In addition, the Sanitation Workers Welfare Board will assist in implementing the project effectively.
Priority will be given to applicants who are currently living in rural areas under the Kalaignar Kanavu Illam scheme, ensuring that those with greater need receive support first.
Tamil Nadu Housing Board schemes: Modes of payment
Applicants can pay for TNHB housing schemes through different payment options. The applicable mode is usually specified at the time the scheme is announced.
The main payment methods include:
- Hire purchase mode: In this option, the allottee must pay about 40% of the total cost (in Rs.) as an initial amount within 21 days from receiving the allotment letter. The remaining amount is paid through monthly instalments (EMIs) over a period ranging from 5 to 14 years.
- Self-finance mode: Here, the allottee is required to pay the full cost of the property in stages before the construction is completed. Payments are made in instalments as the project progresses.
- Outright purchase mode: Under this method, the buyer must pay the entire cost of the unit (in Rs.) within 30 days from the date of the allotment letter. This option is suitable for those who can make a full payment upfront.
GPMS-TNHB mobile app
The GPMS-TNHB app is a third-party mobile application that helps users access information about Tamil Nadu Housing Board schemes, budgets, and projects in one place. It is designed to offer quick updates and easy navigation for users looking for housing-related details.
Although the app is not officially managed by the Tamil Nadu government, it is connected to the TNHB online portal. This allows users to view updated information about available schemes and project developments.
Since the app is developed by a third party, users should be careful while using it. It is advisable not to share sensitive or personal information while checking details on the platform.
Post-allotment issues in Tamil Nadu Housing Board schemes
After getting a property through TNHB, many allottees expect a hassle-free experience. However, certain challenges may arise after possession, affecting daily living and administrative processes.
Common issues faced by residents include:
- Delay in possession: In some cases, buyers have to wait longer than expected as construction work may not be fully completed.
- Lack of basic infrastructure: Facilities such as roads, drainage systems, and streetlights may not be ready at the time of handover.
- Construction quality concerns: Problems like cracks in walls or faulty plumbing and wiring can occur.
- Slow response to complaints: Resolving issues may take time, and reaching the correct department can be difficult.
- Unexpected maintenance charges: Residents may face additional costs without clear details on usage.
- Delay in documentation: Important documents like completion certificates may not be issued on time.
- Issues with ownership transfer: Transferring property ownership can involve repeated visits and delays.
- Limited communication: Residents may not receive regular updates about maintenance or policy changes.
Conclusion
If you meet the eligibility requirements set by the Tamil Nadu Housing Board and are planning to apply, it is best to visit the official website for complete and updated details. The board offers a range of housing options across different cities and towns in the state.
These schemes are designed to suit various income groups, making home ownership more accessible. With a strong focus on affordability and organised development, TNHB continues to play an important role in expanding housing opportunities.
We hope this guide helps you understand the process better and supports you in taking a confident step towards owning your ideal home.
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