Karnataka Housing Board Schemes 2024: latest updates and Eligibility, details

The Karnataka government, along with the central government’s Pradhan Mantri Awas Yojana (PMAY), offers various housing schemes to cater to the diverse needs of citizens across the state. This article provides a comprehensive overview of the major housing schemes available in the Karnataka housing board for both urban and rural areas in 2024.

Urban Housing Schemes:

1. Pradhan Mantri Awas Yojana (Urban) (PMAY-U): This central government initiative provides financial assistance for affordable housing to economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG) in urban areas. The scheme offers different subsidies based on the income category and property type.
2. Dr. B.R. Ambedkar Nivas Yojana (Urban): This state government scheme is targeted towards SC/ST communities residing in urban areas. It provides subsidies for constructing new houses or renovating existing ones.
3. Vajpayee Urban Housing Scheme Regular: This scheme caters to the middle-income category (MIG) in urban areas. It offers subsidies for purchasing pre-built flats or constructing houses on allotted plots.
4. Devraj Urs Housing Scheme (Urban): This scheme aims to provide affordable housing to Other Backward Classes (OBC) families residing in urban Karnataka. It offers subsidies for constructing new houses on designated plots.

Rural Housing Schemes:

1. Basava Housing Scheme: This flagship scheme of the Karnataka government focuses on providing financial assistance for constructing new pucca houses to rural families belonging to Below Poverty Line (BPL) and Scheduled Castes/Scheduled Tribes (SC/ST) communities.
2. Devaraj Urs Housing Scheme (Rural): Similar to its urban counterpart, this scheme targets OBC families residing in rural areas. It offers subsidies for constructing new pucca houses.
3. Pradhan Mantri Awas Yojana (Gramin) (PMAY-G): This central government initiative provides financial assistance to eligible rural households for constructing pucca houses with basic amenities.

Urban schemes

PMAY urban scheme

The Indian government launched the PMAY program in 2015 to help low-income families afford a home. Their goal was to build 20 million houses by March 2022. Here in Karnataka, over 7 lakh houses have been approved under PMAY since 2015. Out of those, over 3 lakh have been built and construction has begun on over 5.7 lakh more.

Till now in Karnataka, it was sanctioned for 25 Districts in 1723 villages and the total sanctioned amount was 19908.5 lacs

Key Features:

• Target Beneficiaries: The scheme caters to economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG) residing in urban areas of Karnataka.
• Subsidy Offered: The subsidy amount varies depending on the beneficiary’s income category and the type of property (flat or plot). It ranges from ₹1.5 lakh to ₹2.67 lakh.
• Application Process: You can apply online through the PMAY-U official website (https://web.umang.gov.in/landing/department/pmayg.html) or by visiting the local Common Service Centre (CSC)

If you think you might qualify for PMAY, you can apply online at their website or visit your local CSC center or the Karnataka Housing Board office.

To apply, you’ll need your Aadhaar card, proof of your income, bank account information, and some details about the property you’re interested in.

They’ll let you know about your application status by text message and email. If you get approved, the money will be automatically added to your loan account to help pay for the interest.

2. Dr. B.R. Ambedkar Nivas Yojana

The Dr. B.R. Ambedkar Nivas Yojana is a scheme implemented by the Karnataka Housing Board (KHB) specifically to aid members of the Scheduled Castes (SC) and Scheduled Tribes (ST) communities residing in urban areas of Karnataka. This program offers financial assistance to help them build their own homes or improve existing ones.

Benefits:

• Subsidy: Eligible beneficiaries can receive financial aid of up to ₹1.20 lakh for constructing a new house or expanding an existing one.
• Improved Living Conditions: The scheme empowers these communities to own pucca (permanent) houses, leading to better living standards and security.

Eligibility (as of June 7, 2024):

• Applicants must belong to the SC or ST community.
• They should be residents of an urban area in Karnataka.
• The applicant’s family should not own a pucca house in the state.
• Annual income limits might apply

Documents:

ID proof

proof of residence

caste and income certificate

property ownership documents

Devraj Urs Housing Scheme (Urban) for Karnataka in 2024

The Devraj Urs Housing Scheme (Urban) is a program implemented by the Karnataka Housing Board (KHB) to assist Other Backward Classes (OBC) families residing in urban areas of Karnataka. This initiative aims to make owning a home more affordable for eligible beneficiaries.

Benefits:

• Subsidy: The scheme offers financial assistance in the form of a subsidy to help beneficiaries construct new houses on designated plots of land.
• Affordable Housing: This program promotes homeownership among OBC families, contributing to a sense of security and stability.

Eligibility (as of June 7, 2024):

• Applicants must belong to the OBC category as recognized by the Government of Karnataka.
• They should be residents of an urban area in Karnataka.
• The applicant’s family should not own a pucca house in the state.
• Annual income limits might apply

Rural schemes

1. Basava Housing Scheme

1. The Basava Housing Scheme, spearheaded by the Karnataka government, is a flagship program aimed at providing affordable housing solutions for underprivileged families residing in rural areas of the state. Here’s a comprehensive breakdown of the scheme in 2024:
2. Beneficiaries:
3. The scheme targets families belonging to the Below Poverty Line (BPL) category and Scheduled Castes/Scheduled Tribes (SC/ST) communities in rural Karnataka.
4. Benefits:
5. Financial Assistance: The scheme offers substantial financial aid to eligible beneficiaries to construct new pucca (permanent) houses. This assistance can be in the form of a subsidy or subsidized building materials.
6. Improved Living Standards: By promoting ownership of pucca houses, the scheme aims to enhance the living conditions and well-being of rural families.
7. Eligibility (as of June 7, 2024):
8. Applicants must belong to the BPL category or SC/ST communities and reside in rural Karnataka.
9. The family should not own a pucca house in the state.
10. Land ownership or possession of a kutcha house where a pucca house can be built might be required.
11. Annual income limits might be applicable

2. Pradhan Mantri Awas Yojana – Gramin (PMAY-G):

This central government initiative, implemented through state agencies, offers financial assistance for rural housing construction across India, including Karnataka. It’s not exclusive to Bangalore but caters to eligible individuals in rural areas throughout the state.

Applying for PMAY-G in Karnataka:

• You can inquire about PMAY-G at your nearest Gram Panchayat office or the Department of Rural Development & Panchayat Raj

Services in Karnataka Housing Board:

Building plans Approval

Issuance sale deed

online payments

project applications in online

Frequently Asked Questions:

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