The Maharashtra Housing and Area Development Authority (MHADA) offers an affordable housing scheme for low and middle-income groups across the state. For the year 2019, MHADA offered 217 flats in Mumbai, priced between Rs. 31-39 lakhs, on an average. For these properties, it received more than 60,000 applications.

Interested in purchasing a house in Mumbai as part of the MHADA scheme? Here’s a step-by-step guide on how one can apply.

Eligibility Criteria

  1. The applicant must be over 18 years of age. The scheme cannot be availed in a child’s name.
  2. You can apply for Lower Income Group (LIG) flats if you have a monthly income between Rs. 25,001 and Rs. 50,000.
  3. You can apply for Middle Income Group (MIG) flats if you have a monthly income between Rs. 50,001 and Rs. 75,000.
  4. You can apply for High Income Group (HIG) flats if you have a monthly income above Rs. 75,000.
  5. You must not own a house under MHADA already, and neither should your spouses or children.
  6. You must have been a resident for Maharashtra for at least 15 years.
  7. You must own requisite identity proofs and documents.

Documents Required

  1. Aadhar card
  2. PAN card
  3. Domicile certificate
  4. School leaving certificate
  5. Driving license
  6. Voter ID card
  7. Passport
  8. Birth certificate

Additional Read: What is MHADA Scheme in Mumbai? How Does it Benefit Home Buyers?

House Prices

The price of a flat depends on the category it belongs to. EWS houses cost under Rs. 20 lakhs, LIG houses cost between Rs. 20-30 lakhs, MIG houses range from Rs. 35-60 lakhs, and HIG flats go from Rs. 60 lakhs to a few crores.

Applying for Mumbai MHADA Online

Step 1: Visit the official website of MHADA, where you can find the online application form.

Step 2: Register by creating a username and filling out your details.

Step 3: Verify your mobile number by entering the code you receive.

Step 4: Once your number is verified, log into the online portal.

Step 5: Select the scheme you want to apply for and fill in your details like income, applicant type, scheme code, etc.

Step 6: Pay the application fee by demand draft, debit or credit card, or net banking.

Step 7: Check the winners of the lottery once they are announced on the official MHADA website.

Step 8: If you are not selected, you will have your money refunded to your bank account.

Additional Read: Buying a House? Make Sure to Follow this Home Buying Guide!

Because the MHADA scheme is essentially a lottery that attracts an incredibly high number of applicants, there is only a slim chance of winning a flat. Even if you are not selected under MHADA, you can still buy a house with affordable housing finance options.

Tata Capital’s home loans offer the most flexible home loan eligibility criteria and repayment options. Our home loan interest rates start at just 9.25% and the home loan amount goes from Rs. 2 lakhs right up to Rs. 5 crores. With a Tata Capital home loan, you never have to wait to own your dream house – apply for one today!