India’s state and central governments introduce housing schemes from time to time to provide affordable housing to the economically weaker sections (EWS) of society. The Andhra Pradesh State Housing Corporation Limited (APSHCL) initiates these house projects in association with the state government in rural and urban areas of Andhra Pradesh. This nodal agency also administers the completion of various state and centrally sponsored housing schemes under the Pradhan Mantri Awas Yojana (PMAY).
APSHCL gives real estate developers financial and technical aid to build quality houses for economically disadvantaged citizens. It also supplies quality housing construction materials (steel, cement, etc.) and other provisions (water and electricity) at discounted market rates to lower the construction costs of houses for the developers. The primary aim is to provide decent pucca homes with basic amenities to citizens below the poverty line in Andhra Pradesh.
What is the YSR Housing Scheme?
The YSR Housing Scheme is a flagship housing project initiated by the APSHCL in July 2019 for low-income groups. It is one of the most extensive centrally sponsored housing programs launched by the YS Jagan Mohan Reddy government as part of the election manifesto. YSR Illa Pattalu Scheme and YSR Pedalandariki Illu Housing Scheme are the projects covered under the YSR Housing Scheme.
The successful completion of the YSR Housing Scheme will give the state four new districts with new residential colonies housing nearly 1.2 crore citizens from 31 lakh financially disadvantaged families. It will create job opportunities for craftspeople under 30 categories, such as painters, plumbers, electricians, masons, and carpenters. The AP housing beneficiaries will be the eligible 1% of citizens in urban areas and 1.5% in rural areas.
In addition to quality construction, the Chief Minister has promised future residents high-standard infrastructure facilities for the best possible living conditions. He is keeping close track of the implementation and progress of the YSR project. The applicants can view the beneficiary status through the AP housing beneficiary search option available on the APSHCL official website.
Thus, YSR housing projects will increase the per capita income of Andhra Pradesh by generating employment and raising the standard of living of underprivileged citizens.
Also, read – Affordable Housing Eligibility in India
Details of YSR Jagan Housing Scheme
- YSR Housing is a 100% government-funded scheme. The AP government plans to spend Rs. 50,490 crore on the construction of houses for poverty-stricken citizens of the state.
- APSHCL aims to implement the housing scheme in two phases (Phase I and II). The estimated completion year of both phases was 2023.
- The target units for each phase are around 15 lakh houses in 8,798 housing colonies across thirteen districts of AP. The turnout of nearly 30 lakh houses is expected after the completion of both Phases, spanning 68.361 acres of land.
- Phase I – The AP government spent Rs. 28,800 crores in constructing 15.6 lakh houses in 175 state assembly constituencies.
- Phase II – The construction of 15.6 lakh houses commenced on June 3, 2021. The projected outlay is Rs 22,860 crores.
- The fund allocation for infrastructure development is nearly Rs 34,000 crores, which includes the costs of developing pothole-free roads, underground drainage, drinking water supply, electricity, security, lighting, hospitals, schools, etc.
- The square footage per unit is 340 sq. ft., and the cost of each house to the developer is Rs. 1.80 lakh.
- The CM wants the YSR Housing Scheme homes to look ultra-modern. The houses will be thermal technology-driven, energy-efficient, geo-tagged, and well-designed, with spacious bedrooms, living rooms, kitchens, verandahs, and bathrooms.
- Each house will get bulbs, tube lights, ceiling fans, and a water tank.
- The proximate facilities include an Anganwadi centre, a primary school, a digital library, and a park for each YSR housing colony.
- The developers have allocated a portion of the land to build multi-facility centers, such as warehouses and cold storage (Rythu Bharosa Kendras) for farmers and set up local markets (Janata Bazaars) for people.
- The applicants will start getting the housing scheme benefits within three months of filing the application form.
- As of late 2025, 3 lakh houses have been handed over to beneficiaries. Moving forward, there are plans to further complete and distribute hundreds of thousands of houses by early 2026.
- Chief Minister Chandrababu Naidu announced key targets to complete housing for the poor by 2029.
Also, read – Delhi Development Authority (DDA) Housing Scheme
Check your beneficiary status
Beneficiaries of the YSR Housing Scheme are economically weaker families in Andhra Pradesh who do not own a permanent house. The scheme supports Below Poverty Line (BPL) households, EWS families, and vulnerable groups such as SC, ST, BC, minorities, widows, senior citizens, and persons with disabilities. There is a preference for homeless families or those living in kutcha houses.
A key feature of the AP housing scheme is women-centric ownership, with houses usually registered in the name of a female family member. The scheme aims to provide safe, dignified housing with basic amenities and long-term security to the poor.
Also, read – How to Apply for a Government Housing Scheme?
YSR Housing Scheme eligibility criteria
The Jagananna House Scheme has clear eligibility conditions:
- The beneficiary must be a permanent resident of Andhra Pradesh with a valid domicile proof.
- The applicant must belong to the Economically Weaker Section (EWS) and have a relevant APL/BPL certificate.
- Families must not have a pucca house in their name anywhere in the state.
- The applicant must possess a valid Aadhaar Card and a ration card for identity verification.
- The applicant must have a caste certificate.
Also, read – Pradhan Mantri Awas Yojana for Existing Home Loan
Application for YSR EWS Housing Scheme
The application procedure is both offline and online.
- Offline application: You can submit offline applications to the village or ward secretariats. Carry all necessary documents and complete Aadhaar authentication. The secretariat staff will help you wherever required with the form submission process. Next, the applications are forwarded for approval under the housing schemes in AP.
- Online application: Eligible applicants can apply for a YSR house online through the official Andhra Pradesh housing or grievance portals. You will need to submit basic details, such as Aadhaar number, ration card, income information, and address proof. Once submitted, you can track the application and beneficiary status digitally. An online application supports status checks and grievance registration as local authorities verify primary enrollment.
Also, read – Home Loan Schemes for Widows in India
Documents required
- Below Poverty Line ration card
- Address Proof
- Aadhaar Card
- Recent passport-size photographs
- Bank account passbook or photocopy of bank statement with complete bank details
- Certificates to authenticate caste, domicile, and income
- Mobile Number (valid and operational)
Online application process
Step 1 – Register or log in to the official website of APSHCL.
Step 2 – Read the guidelines carefully, and fill in the application form with the required details.
Step 3 – Upload the supporting documents.
Step 4 – Submit the form.
Applicants must take a print of the filled application form, as they will need it for documentation and future reference.
AP Housing Beneficiary Search
APSHCL releases the YSR housing list of selected applicants and publishes it on its website.
To search for the name of the beneficiary of the YSR Housing Scheme –
- Visit the official website of APSHCL.
- Click on Beneficiary Search at the bottom of the homepage.
- Enter any of the following details –
- Beneficiary ID
- UID (Aadhar Number), or
- ration card number
- Click on Search to know the beneficiary status.
To view the name and application status on the sanction list –
- Visit the official website of APSHCL.
- Click on the Scheme option in YSR Navaratnalu.
- Choose the name of the YSR Housing Scheme. A sanction list gets displayed on the computer screen.
- Applicants can search for their names in the YSR housing list by entering their details and clicking Submit. Finding their name on the sanction list will assure the acceptance of their application.
Also, read – What are the Measures Taken by RBI for Affordable Housing in India?
Other YSR Housing Projects
PMAY YSR Housing Schemes
The state government, in collaboration with the Centre government, has launched two housing schemes in AP:
- PMAY – YSR Urban Housing Scheme
This AP housing scheme primarily focuses on the poor, low and middle-income groups. The objective is to provide concrete houses to the urban population of Andhra Pradesh.
Funds allocation:
By Centre Government – Rs. 5,000 crore
By State Government – Rs. 1,000 crore
- PMAY – YSR Gramin Housing Scheme
The AP government allots free construction land to the below-average income citizens under the PMAY housing scheme. Beneficiaries may ask for monetary compensation of Rs 1.8 lakhs to reconstruct their units per their requirements. The objective of this scheme is to progress the rural population of the state.
Jagananna House Scheme (or Jagan Housing Scheme)
It is a smart-town scheme initiated by the Government of Andhra Pradesh for the low and middle-income class citizens (having an annual income between Rs. 3 lakh to Rs. 18 lakh). The target is to provide 150 square yards to 240 square yards of plots within a 5 km range of the Municipal Corporation. Government employees are also eligible to apply under this scheme.
Plot eligibility for Jagananna House Scheme
- 3 lakh < Annual Income < 6 lakh – 150 square yard
- 6 lakh < Annual Income < 12 lakh – 200 square yard
- 12 lakh < Annual Income < 18 lakh – 240 square yard
Gunkalam Colony
It is the largest colony in the Jagananna house scheme, spread over 397 acres and constituting 12,301 plots. The government will rename this colony the Nagar Panchayat after the construction work is over.
Benefits of the YSR Housing Scheme
There are multiple YSR Housing Scheme benefits for the economically weaker sections in Andhra Pradesh. The most prominent advantages of the YSR scheme include:
- Free or highly subsidized housing facilities that reduce the financial burden on beneficiaries.
- Permanent (pucca) houses with strong construction standards.
- Basic amenities such as electricity, water supply, toilets, and internal roads.
- Women-centric ownership, with houses registered in the name of female family members.
- No repayment or EMI pressure, as the scheme is government-funded.
- Planned housing colonies with drainage, streetlights, and community facilities.
- Improved living standards and security, especially for low-income families and vulnerable groups like SC/ST and minorities.
How to apply for the YSR Housing Scheme?
The YSR housing registration process is simple because it is government-assisted. Here’s what you need to do:
- Visit your nearest village or ward secretariat in Andhra Pradesh.
- Meet the housing official and collect or initiate the application request.
- Submit Aadhaar, ration card, income proof, and residence details.
- Provide land ownership documents or consent if land is allotted by the government.
- Officials conduct field verification to check eligibility and living conditions.
- Your application is reviewed and approved by local authorities.
The names of the approved candidates are added to the beneficiary list. You can check if yours is included using the Beneficiary Search feature. The construction starts in phases as per the scheme guidelines.
Loan options for YSR housing beneficiaries
YSR Housing Scheme beneficiaries usually receive fully or largely subsidized houses. Thus, taking a home loan is not mandatory. However, you can avail a loan if you want to extend or enhance your home. The options of home loans for YSR beneficiaries include:
- Government-assisted construction funds: The YSR scheme offers up to Rs. 1.8 lakh in cash assistance toward construction, plus free sand and material discounts.
- Housing loans from banks: Financial institutions provide loans often at subsidized rates, with the government reimbursing part of the interest to reduce cost.
- Personal or top-up loans: Beneficiaries can approach banks or lenders for additional funds to support upgrades or extensions.
Loan approval depends on the borrower’s income, credit profile, and repayment capacity.
In a nutshell
YSR Jagan Housing Scheme is a housing project initiated by the Honorable Chief Minister of Andhra Pradesh, Shri YSR Jagan Mohan Reddy. The vision is to fulfill the dream of owning a house for the landless and homeless citizens of the state.
A financial services company within the Tata Group, Tata Capital provides financial and investment services to help people achieve their goals. Home loans are one of the offerings that provide easy and quick loans at attractive interest rates to purchase a new house.
If you are planning to buy or invest in a house under the YSR Housing Scheme and are short of funds, you can avail loans for homes from Tata Capital. We will help you fulfill your dream of owning a house and living rent-free all your life!
FAQs
You can apply for the YSR Housing Scheme through the village or ward secretariats in Andhra Pradesh. Officials will assist you in submitting details. They will also help with Aadhaar verification and completing land information. Local authorities assess the submitted applications, followed by field verification, before a final beneficiary approval is given under the YSR Housing Scheme.
You must submit your Aadhaar Card, ration card, income certificate, and caste certificate (if applicable). Besides, you must provide residence proof, bank account details, and land ownership or consent documents with the application. These documents help verify eligibility and income status.
Beneficiaries can check their status on the official Andhra Pradesh housing portal by entering their Aadhaar number or application ID. The portal displays approval status, construction stage, and payment details, helping applicants track progress without visiting government offices repeatedly.
Under the YSR Housing Scheme, you will get basic, livable houses. This includes bedrooms, kitchens, living rooms, bathrooms, a clean drinking water supply, and an electricity connection. The housing colonies are also planned with drainage, street lighting, and community infrastructure to ensure safe and hygienic living conditions for beneficiaries.
The YSR Housing Scheme is a fully subsidized government initiative, so beneficiaries usually do not require home loans. However, they are eligible for monetary assistance of up to Rs. 1.8 lakh for construction. Applicants can also avail housing loans or small bank loans separately to complete or upgrade construction, subject to eligibility and lender terms.
The YSR Housing Scheme’s coverage area includes both urban and rural areas across all districts of Andhra Pradesh. These include West Godavari, East Godavari, Visakhapatnam, Nellore, Anantapuramu, Krishna, Chittoor, Guntur, Kurnool, and Vizianagaram. The eligible beneficiaries will receive land free of cost (1.5 cents in rural areas and 1 cent in urban areas). Each unit’s size will be 340 square feet, costing Rs. 1.8 lakh to the developer.
02 January 2026
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