Karnataka Housing Board (KHB) Scheme – Eligibility, Application, and Benefits 2026

The Karnataka Housing Board has been a significant provider of affordable housing across Bangalore and other Karnataka cities for decades, offering plots and constructed units at prices meaningfully below private market rates. Understanding the eligibility criteria, application process, and lottery-based allotment system helps prospective buyers navigate this genuinely valuable but competitive opportunity.

This page covers:

• What the Karnataka Housing Board is and its mandate
• Types of schemes offered by KHB
• Eligibility criteria for KHB schemes
• Income category classifications
• Step-by-step application process
• Documents required
• How the lottery allotment system works
• How to check application status

The Karnataka Housing Board (KHB) is a statutory body established by the Government of Karnataka to plan, develop, and provide affordable housing solutions across the state. Since its establishment, KHB has developed numerous residential layouts, offering both developed plots and constructed housing units at prices significantly more affordable than private real estate developments.

KHB schemes are particularly popular in Bangalore and other rapidly growing Karnataka cities, where private property prices have risen substantially, making government-backed affordable housing an attractive option for middle and lower-income families.

• Residential plots: Developed plots of land in planned layouts, where buyers can construct homes according to their preferences and building regulations.
• Constructed houses/ flats: Ready-to-move-in housing units across various configurations, catering to different income groups and family sizes.
• Commercial sites: Some KHB layouts also include commercial plots, supporting mixed-use development within the community.

• Must be a permanent resident of Karnataka
• Minimum age of 18 years
• Should not already own a residential property (plot, house, or flat) in Karnataka in their name or a family member's name
• Should not have previously availed benefits under any other KHB or government housing scheme
• Must meet the income criteria for the specific scheme category applied for

Different KHB schemes and layouts are typically designed for specific income categories, with plot sizes, pricing, and amenities varying accordingly.

1. Visit the official Karnataka Housing Board portal
2. Register for a new account using your mobile number and email ID
3. Browse available schemes and select the layout/scheme you wish to apply for
4. Fill in the application form with personal, income, and family details
5. Upload required documents (identity proof, income proof, address proof)
6. Pay the application/registration fee online
7. Submit the application and note your application reference number
8. Track your application status through the portal

• Aadhaar card
• PAN card
• Income certificate or salary slips/ ITR
• Address proof
• Passport-size photographs
• Caste certificate (if applying under reserved category)
• Domicile/ residence proof confirming Karnataka residency
• Bank account details

For high-demand schemes where applications significantly exceed available units, KHB conducts a transparent lottery draw to ensure fair allotment. The process typically involves:

1. Application window closes on the specified deadline
2. All eligible applications are compiled and verified
3. A public lottery draw is conducted, often in the presence of officials and sometimes applicant representatives, to ensure transparency
4. Successful applicants are notified and required to complete payment and documentation formalities within a specified timeframe
5. Unsuccessful applicants typically receive a refund of their application deposit within a defined period

1. Visit the official KHB portal
2. Navigate to the 'Application Status' or 'Track Application' section
3. Enter your application reference number or registered mobile number
4. View your current application status — under review, shortlisted, allotted, or rejected

While KHB schemes offer significantly reduced base pricing compared to private developments, many buyers still require financing to complete their purchase, particularly for MIG and HIG category properties. A home loan can help bridge this gap comfortably.

Bajaj Finance offers home loans from 7.25% p.a.* with amounts up to Rs. 15 Crore* and tenures up to 32 years for eligible applicants purchasing KHB or other Karnataka properties. Check eligibility today.

The consistent popularity of Karnataka Housing Board schemes stems from a combination of factors that private developers typically cannot match: government-subsidised land costs, well-planned layouts with dedicated infrastructure for roads, parks, and utilities, and pricing that remains substantially below market rates in comparable locations. For first-time homebuyers, particularly those in the LIG and MIG categories facing an increasingly expensive private real estate market in cities like Bangalore, KHB schemes represent one of the few remaining pathways to genuinely affordable homeownership within city limits or well-connected surrounding areas. This sustained demand also means competition for available units remains high, making early registration, complete documentation, and patience through the lottery process essential parts of successfully securing a KHB property.

The Karnataka Housing Board continues to provide a valuable, more affordable pathway to homeownership for Karnataka residents across income categories. Understanding the eligibility criteria, application process, and lottery system helps you navigate this opportunity with realistic expectations. Bajaj offers home loans from 7.25% p.a.* with amounts up to Rs. 15 Crore* and tenures up to 32 years. Check your eligibility today.