The Tamil Nadu Housing Board, known as the City Improvement Trust of Chennai before 1961, is a body that caters to the housing needs of the economically weaker sections of society and the lower-income group. Under the TN Housing Board scheme, this authority constructs affordable residential and commercial spaces for people falling under various incomes groups and auctions them off.

The salient features of this scheme include the availability of various amenities like commercial complexes and schools nearby. This is one of the most beneficial housing schemes. The properties are priced according to the locality you are eligible for, and certain plots are also reserved for defence personnel and government servants.

TN Housing Board ongoing sub-schemes

Various sub-schemes, as mentioned below, are ongoing under the TNHB within different parts of the state. Beneficiaries who get selected after the draw of lots can avail of home loans.

Thanjavur Housing Division:

This unit offers multiple units under various housing schemes. These include Tamil University Campus Self Finance Scheme, Thanjavur Scheme, Pattukottai Self Finance Scheme, and more.

Besant Nagar, Chennai:

Under this division, the scheme offers flats by a drawing of lots. The localities include Indra Nagar and Sholinganallur, where 60 and 280 units are available respectively.

Trichy Housing Division:

Dedicated to offering shops and commercial units, the plots under this scheme are open for auction in Valavanthankottai, Navalpattu and Pudukottai.

Additional Read: Best Real Estate Projects for Investment in Chennai

TN Housing Schemes eligibility

Many lenders offer a home loan eligibility calculatoron their websites, using which you can check your eligibility in advance and make better financial decisions. The eligibility criteria for the TNHB schemes are as follows:

  • Applicants must be more than 21 years old.
  • The applicants must be salaried individuals and have a stable income.
  • The applicants must be natives of Tamil Nadu.
  • The applicants must not be the owner of any other property under any other government scheme.

Apart from this, make sure that you also fulfil the home loan eligibility before applying for a loan.

Additional Read: Top Properties in Chennai with Minimum Maintenance Charges

How to apply

To apply for a house under this scheme, you must buy the application form and submit it with the demand draft before the due date. To purchase and deposit the form, you can visit the city division or Mofussil unit. Next, you may choose to finance the purchase by availing of a loan. You can use the home loan EMI calculator on your lender’s website to be aware of the EMIs in advance.


Before taking a loan, make sure to check the home loan EMI rates. You can do so by visiting the Tata Capital website and entering your loan details to get an exact estimate of the EMIs payable.

Are you looking to avail of the special TN Housing Scheme and purchase a home? Then, Tata Capital is here to relieve your financial stress with our affordable home loan interest rates, starting at 6.90%.  Reach out to us and avail of the most competitive offers, interest rates, and added benefits like the home loan calculator for utmost transparency.

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