What are LIG and MIG in Flats/ House: Complete Guide 2026

LIG, MIG, and HIG classifications underpin virtually every government affordable housing scheme in India — understanding exactly which category you fall into determines what schemes you can access, what subsidy amounts apply, and what size of home you can expect. This classification framework is central to schemes like PMAY, MHADA, DDA, and various state housing boards.

This page covers:

What LIG means and its eligibility criteria

Schemes available under LIG

What MIG means and its eligibility criteria

Schemes available under MIG

What HIG means and its eligibility criteria

How different housing boards apply these categories

How to determine which category you fall into

LIG and MIG are terms used to describe categories of houses available in India. LIG stands for Low-Income Group, while MIG stands for Middle-Income Group. These categories identify different income groups and their eligibility criteria for house ownership schemes.

LIG in house stands for Low-Income Group. These houses are designed for individuals who fall within the low-income bracket. The houses under LIG are usually small, economical, and suitable for low-income families. The government of India has various schemes for LIG homes, including affordable housing schemes.
 

Eligibility criteria for LIG

1. Annual income must range between Rs. 3 lakh to Rs. 6 lakh
2. The person must not own a house in their name
3. The beneficiary should not have availed the benefit of any other housing scheme by the Government of India
    

Schemes under LIG

1. Pradhan Mantri Awas Yojana (PMAY)
2. Rajiv Awas Yojana (RAY)
3. Jawaharlal Nehru National Urban Renewal Mission (JNNURM)
4. Affordable Housing in Partnership (AHP)

MIG in house stands for Middle-Income Group. These houses are designed for individuals belonging to the middle-income bracket. MIG houses are moderately sized compared to LIG homes and come with more amenities and features — slightly more expensive but with many advantages and facilities.
 

Eligibility criteria for MIG

1. Annual income must range between Rs. 6 lakh to Rs. 18 lakh
2. The person must not own a house in their name
3. The beneficiary should not have availed the benefit of any other housing scheme by the Government of India
    

Schemes under MIG

1. Pradhan Mantri Awas Yojana (PMAY)
2. Credit Linked Subsidy Scheme (CLSS)

HIG in house stands for High-Income Group. These houses are designed for individuals belonging to the high-income bracket — luxurious, with many amenities, and usually larger, more spacious, with state-of-the-art facilities.

Eligibility criteria for HIG

1. Annual income must be above Rs. 18 lakh
2. The person must not own a house in their name

Schemes under HIG

1. Pradhan Mantri Awas Yojana (PMAY)

In India, multiple government-backed housing schemes serve different income groups. Popular schemes include:

• Pradhan Mantri Awas Yojana (PMAY) — for LIG households, providing interest subsidies under CLSS
• MHADA — caters to all three categories (LIG, MIG, HIG) based on income slabs, often through lottery systems
• DDA (Delhi Development Authority) — offers housing units across LIG, MIG, and HIG segments
• West Bengal Housing Board and Tamil Nadu Housing Board — offer similar segmented housing programmes
• Rajiv Awas Yojana — specifically targets LIG families to promote slum-free living with affordable housing options

Your income category determines both your eligibility for specific government schemes and the size/specification of housing units available to you. To determine your category, calculate your total annual household income from all sources (salary, business, rental, and other income combined), then compare against the thresholds:

Remember that specific schemes may apply slightly different income thresholds — always verify the exact criteria for the specific scheme you are interested in, as these can be periodically revised.

Regardless of which income category you fall into, a home loan can help bridge the gap between government scheme assistance and the total property cost, particularly for MIG and HIG buyers seeking larger or better-specified homes. Bajaj Finance offers home loans from 7.25% p.a.* p.a. with amounts up to Rs. 15 Crore* and tenures up to 32 years, complementing your PMAY or other scheme benefits.

Beyond simply determining scheme eligibility, understanding the LIG, MIG, and HIG framework helps homebuyers set realistic expectations about property size, location, and amenities available within their budget category. LIG housing, while more affordable, typically comes with basic finishes and smaller carpet areas — appropriate for first-time buyers prioritising ownership over space. MIG housing strikes a middle ground, often including amenities like dedicated parking, community spaces, and better construction quality, appealing to salaried professionals and growing families. HIG properties, while not covered by subsidy schemes in the same way, still benefit from PMAY's broader framework in certain contexts and represent the aspirational tier for many urban buyers. Whichever category applies to you, combining any available government scheme benefit with private financing options gives you the most flexibility in choosing a home that genuinely fits your family's needs and long-term goals.

Understanding the LIG, MIG, and HIG classification system is crucial for navigating India's affordable housing landscape — it determines which government schemes you can access and what type of housing you should expect. Bajaj Finance 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.