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Step-by-Step Guide of MHADA Registration Online for Mumbai 

Step-by-Step Guide of MHADA Registration Online for Mumbai 

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.

MHADA 2025 Eligibility Criteria: Income Groups & Requirements

MHADA eligibility rules are designed to ensure that affordable housing benefits reach genuine homebuyers. Income is assessed based on declared and verifiable sources, and category selection must align strictly with your income slab. Any mismatch in income declaration or residency proof can lead to rejection at the scrutiny stage.

Here are the criteria you should meet: 

  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.

Note that any mismatch between income declared and documents submitted can lead to rejection during scrutiny. Residency is also closely verified through domicile-related documents, so you should ensure all proofs are valid and up to date before applying.

Documents Required for MHADA Online Registration

MHADA requires applicants to submit documents that establish identity, income eligibility, and long-term residence in Maharashtra. 

  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

You are not required to upload all documents listed above. However, you must provide enough valid proofs to satisfy MHADA’s verification process.

It is important that details such as name, date of birth, and address match across documents. Any inconsistency can delay scrutiny or result in application rejection.

MHADA Flat Prices & Categories in Mumbai

MHADA flats are categorised based on income groups to keep housing accessible to different sections of buyers in Mumbai.

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.

These prices are generally lower than market rates because MHADA housing is subsidised and regulated. Actual prices may vary depending on the project location, connectivity, building age, and amenities offered. Flats in well-connected suburbs tend to attract higher demand.

Since supply is limited and demand is high, especially in Mumbai, allotment is done through a lottery rather than a first-come-first-served process.

Step-by-Step MHADA Online Application Process

The MHADA application process is fully online and aims to ensure transparency and ease of access for applicants. 

Here’s how you can apply: 

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.

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.

Applying for a MHADA flat requires careful attention at each step, as even small errors can affect your application status. You should double-check all personal, income, and scheme-related details before submission, and keep a copy of your application number and payment receipt for future reference.

MHADA Refund Policy & Application Fee Details

When you submit your application, you pay two components: a processing fee and an Earnest Money Deposit (EMD). As per MHADA application fee details, the application or processing fee (including GST) is non-refundable. However, the MHADA fee refund process ensures that your EMD is fully refunded if you are not selected in the lottery.

The EMD amount varies by income category, with lower amounts for EWS applicants. Refunds are credited automatically to your registered bank account, usually within a week of result declaration, following MHADA payment rules.

How to Check MHADA Registration Status Online?

Once you apply, tracking your MHADA registration status check is simple and fully online. Follow these steps:

1. Visit the official MHADA Integrated Housing Lottery Management System (IHLMS) website or app.

2. Log in using your PAN number and the password or OTP created during registration.

3. Go to the “My Applications” or “Application List” section.

4. View your MHADA online status, which shows verification progress and lets you check MHADA lottery status once results are announced.

Can I Apply for MHADA if I Already Own Property Elsewhere?

Under MHADA eligibility rules, property ownership plays a decisive role in whether you can apply. For most MHADA schemes, neither you, your spouse, nor your minor children should own any residential house, flat, or plot within the municipal limits of the area where the scheme is offered. This condition applies to both freehold and leasehold properties and forms a core part of MHADA application conditions.

The MHADA property ownership criteria are intended to prioritise first-time or genuinely needy homebuyers. As part of MHADA second property eligibility checks, you are required to submit a self-declaration confirming that you do not own property in the relevant jurisdiction. Any false declaration can lead to rejection or cancellation.

What is the Lock-In Period for MHADA Flats?

The MHADA lock-in period is a mandatory restriction placed on all flats allotted through the lottery system. You are not allowed to sell, transfer, or rent out the flat for a minimum of five years from the date of allotment or purchase. 

These MHADA resale rules exist to prevent speculative buying and misuse of subsidised housing. Attempting to bypass the MHADA ownership lock-in, including through informal arrangements or power of attorney, can result in cancellation of allotment and legal action.

Conclusion 

Tata Capital’s home loan 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 in Mumbai, you never have to wait to own your dream house – apply for one today!

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FAQs

How to apply for MHADA registration online in Mumbai?

 

You can apply by visiting the official MHADA website, registering on the online portal, filling the application form, uploading required documents, paying the application fee, and submitting it within the notified timeline.

What are the income criteria for MHADA EWS/LIG/MIG/HIG categories?

 

MHADA income limits are category-based: EWS up to ₹25,000 monthly, LIG ₹25,001-₹50,000, MIG ₹50,001-₹75,000, and HIG above ₹75,000, subject to scheme-specific notifications.

How long does MHADA take to process online applications?

 

MHADA typically takes several weeks to process applications, including document scrutiny, provisional lists, lottery draw, and final allotment, depending on the number of applicants and scheme timelines.

Is there a penalty for withdrawing a MHADA application after submission?

 

If you withdraw your MHADA application, the processing fee is usually non-refundable, while the Earnest Money Deposit may be refunded as per MHADA payment rules and refund policy.

Can NRIs apply for MHADA schemes in Maharashtra?

 

NRIs can apply for select MHADA schemes, subject to eligibility conditions, FEMA guidelines, and payment through approved NRE or NRO bank accounts, as specified in the scheme notification.

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