Kerala State Housing Board: Overview & Key Functions
Kerala State Housing Board is a Kerala government agency that directs and plans housing initiatives. Under the Kerala State Housing Board Act (Act 19 of 1971), the Kerala Housing Department has the key purpose of executing further housing development and loan projects to address the housing requirements of people from all walks of life.
The Kerala Housing Board was established after the authorities in Kerala launched numerous programs to boost the state’s economy. As the state’s economy improved, so did Kerala’s contribution to society’s welfare. The headquarters of the Kerala Housing Board is based in Thiruvananthapuram. The Housing Board gives loans to those who are financially deprived.
Kerala Housing Board Loan Eligibility Criteria
- Applicants must be Kerala state residents.
- Identity documents, such as an Aadhaar Card, must be provided.
- Must have a bank account and present passbook statements.
- Applicants must have ration cards that list the BPL/APL categories.
- Applicants must not possess any land or property inside the boundaries of Kerala.
Benefits of Kerala Housing Board Housing Scheme
- The Kerala authority would provide financial support to houseless families with acreage to construct contemporary houses.
- Under this scheme, low and middle-income families could buy properties at subsidised costs with subsidised home loan interest rates.
- People who desire to build their endemic homes in Kerala would have no trouble getting a loan.
- This idea will bring together modern company offices, retail stores, industries, and other amenities.
- Furthermore, the plan will help build modern urban towns with roads, water, electricity, and savage services.
तसेच, वाचा: केरळमध्ये स्टँप ड्युटी
Kerala Government Housing Schemes: Grihasree, Suraksha & More
Kerala Home Department’s major goal is to undertake further housing development and lending programmes to meet the housing requirements of people from all walks of life. In the housing sector, the department serves as a nodal department. Kerala Housing Board and Kerala State Nirmithi Kendra are two of the department’s primary businesses.
- Laksham Veedu Padhathi: The department provides financial aid to entities to reconstruct damaged twin and single residences. An entity in general, SC and ST categories are eligible for an endowment of seventy-five thousand and Rs.1.75 lakh, respectively, from the authority. The Kerala State Housing Board contributes 50% of the total, with the remaining funds coming from local authority departments.
- Inventive Housing Program: Under the creative Government Housing Scheme in Kerala, it was recommended that residential tenements be assembled on authority acreage for displaced workers in the urban region who fall into the economically unsteady part. In the authority acreage accessible in Poojappura and Thrikkakara, 212 tenements have been assembled to date.
- त्सुनामी पुनर्बांधणी कार्यक्रम: बोर्डाने या कार्यक्रमाअंतर्गत (सीएचआरपी) किनारपट्टी गृहनिर्माण आणि पुनर्वसन कार्यक्रमांची अंमलबजावणी करण्यासाठी नोडल विभाग म्हणून काम करणे आवश्यक आहे. कार्यक्रमाचा भाग म्हणून, त्रिवेंद्रम, मलप्पुरम, कोळीकोड, कन्नूर आणि कासरगोड यासारख्या जिल्ह्यांमध्ये घरे एकत्रित करण्यात आली आहेत.
- सिक्युरिटीज हाऊसिंग स्कीम: हा प्रोग्राम समाजातील आर्थिकदृष्ट्या वंचित सदस्यांना फायनान्शियल सहाय्य प्रदान करतो. या सहाय्यतेसाठी पात्र असलेल्यांना निवडले जाते आणि जर त्यांच्याकडे किमान 2 सेंट जमीन असेल तर घर बांधण्यासाठी फायनान्शियल सहाय्य प्रदान केले जाते. प्रत्येक घराची किंमत ₹30000 आहे. बोर्डाने नवीन सिक्युरिटीज कार्यक्रमाची शिफारस केली आहे, प्रत्येक निवास खर्च ₹100,000 आहे. बोर्डचा पुढच्या वर्षी या योजनेंतर्गत सुमारे 2000 निवास निर्माण करण्याचा हेतू आहे.
तसेच, वाचा: गव्हर्नमेंट हाऊसिंग स्कीमसाठी अप्लाय कसे करावे?
केरळ हाऊसिंग बोर्ड लोन प्रकार: EWS, एलआयजी आणि MIG स्कीम
केरळ हाऊसिंग बोर्ड कर्जदारांना होम लोन ऑफर करते. यामध्ये बोर्डद्वारे परिभाषित EWS, एलआयजी आणि MIG कॅटेगरीचा समावेश होतो आणि वार्षिक उत्पन्न मर्यादेवर आधारित नियमितपणे सुधारित केले जाते. हे प्रधानमंत्री आवास योजना (PMAY) अंतर्गत करण्यात आले आहे. आम्ही त्यांना खाली विभागले आहे:
1. EWS: हाऊसिंग बोर्ड आर्थिकदृष्ट्या कमकुवत सेक्शन (EWS) इन्कम कॅटेगरीमध्ये असलेल्यांसाठी होम लोन इन्सेंटिव्ह प्रदान करते. राज्यातील किफायतशीर घरांना सहाय्य करण्यासाठी हे केले गेले आहे.
2. कमी उत्पन्न गट (LIG) : पुढील श्रेणी अशी आहे जे कमी उत्पन्न गटात येतात, जे किंचित जास्त उत्पन्न असलेल्या कुटुंबांना सेवा देतात.
3. मध्यम इन्कम गट (MIG): ही कॅटेगरी कुटुंब सामान्यपणे मोठ्या लोन रक्कम आणि घर तसेच दीर्घ रिपेमेंट कालावधी शोधणाऱ्या मध्यम इन्कम असलेल्या कुटुंबांना सेवा देतात.
PMAY स्कीम अंतर्गत, नवीन बांधकामासाठी ₹3 लाख पर्यंत हाऊसिंग अनुदान EWS कुटुंबांसाठी ऑफर केले जातात. विद्यमान घरांच्या नूतनीकरणासाठी तसेच होम लोनवरील व्याज अनुदानासाठी ₹1.5 लाख रुपये देखील दिले जातात.
विद्यमान केरळ हाऊसिंग बोर्ड कर्जदारांसाठी टॉप-अप लोन पर्याय
केरळ हाऊसिंग बोर्डचे होम लोन सामान्यपणे EWS, एलआयजी किंवा MIG कॅटेगरीतील व्यक्तींना प्रदान केले जातात. These loans can be used for home improvements, additions, repairs, or other related home expenses. Eligibility for housing board home loans varies. Generally, applicants must be residents of Kerala, and priority is often given to families with more dependents. Similarly, differently-abled individuals and widows may also get priority.
In some cases, families seeking loans or additional financing may be required to demonstrate their ability to repay. Put simply, they need to show creditworthiness by making timely EMI repayments, providing their overall income profile, and more.
It is also important to note that interest rates on top-up loans are typically slightly higher than the original home loan rate but remain lower than those on unsecured options such as personal loans. Repayment tenure may also be aligned with the existing loan or structured separately. For more information regarding home loan top-ups, contact the Kerala Housing Board.
तसेच, वाचा: पात्र होण्यासाठी परवडणारे हाऊसिंग निकष काय आहेत?
Tax Benefits on Kerala Housing Board Home Loans
To encourage home ownership, the Income Tax Act, 1961, provides multiple tax benefits for individuals purchasing or constructing a house, particularly when financing it through a home loan. These provisions help reduce the financial burden and make long-term repayment more manageable.
For example, under Section 80C, borrowers can claim a deduction on the principal portion of their home loan repayment. These can go up to ₹1.5 lakh per financial year and may include associated expenses, such as stamp duty and registration charges.
Additionally, Section 24(b) allows a deduction of up to ₹2 lakh annually on interest paid on home loans for self-occupied properties. For rented properties, the entire interest component may be claimed, subject to overall income tax rules.
First-time homebuyers can also benefit from Section 80EE, which provides an additional deduction on interest paid, further reducing the effective cost of borrowing. By leveraging these deductions, borrowers can help reduce the financial burden of owning a home, making it more affordable and sustainable over the long term.
Kerala Housing Board home loans may qualify for certain standard income tax benefits. For further clarification, remember to contact the Kerala Housing Board.
तसेच, वाचा: भारतातील विधवांसाठी होम लोन योजना
Step-by-Step Application Process for Kerala Housing Board Loans
The Kerala Housing Board home loan application process is reasonably straightforward. We break it down below:
- Visit the official Kerala Housing Board website to begin the application process for the Grihasree Housing Scheme.
- Navigate to the section dedicated to Grihasree Housing Projects and select the relevant project link.
- Carefully review the project details, including location, eligibility criteria, housing type, and cost structure.
- Access the online form provided on the page.
- Provide all required details accurately, including personal information, income, and housing requirements.
- Upload the mandatory supporting documents, including proof of identity, income certificates, and address details, as specified.
- Recheck the form and documents to ensure there are no errors or missing information.
- Submit the completed application through the portal or as directed by the scheme guidelines.
- Once submitted, the application is forwarded to the concerned authority office for verification and further processing.
Once your application has been submitted, it will be reviewed by the Housing Board, and all documents will be verified.
तसेच, वाचा: PMAY ग्रामीण आणि PMAY शहरी दरम्यान फरक
Documents Required for Kerala Housing Board Loan Application
To apply for a housing board home loan in Kerala, the following documents will be required:
- Identity Proofs: Aadhaar card, PAN card, and recent passport-size photographs.
- Address Proof: Utility bills, rental agreement, or other government-issued documents; bank statements may also be needed.
- Income Documents: Latest salary slips, Form 16, and employment details (for salaried individuals); Income tax returns, business registration proof, and financial statements (for self-employed individuals). A family income certificate may also be necessary.
- Additional Documents: Depending on the scheme type or applicant category. For example, you may need to provide your Ration card to confirm your APL or BPL category.
Keeping these documents ready and in order when applying for a Kerala Housing Board home loan can improve your chances of approval. Maintaining a good credit score, a strong repayment history, and other factors can help you secure better interest rates and subsidies. Income and salary slips may help determine which income category you fall into, thereby determining the subsidies you are eligible to receive.
सामान्य प्रश्न
केरळ स्टेट हाऊसिंग बोर्ड, संक्षिप्त स्वरुपात KSHB म्हणून ओळखले जात आहे, पूर्वीच्या सिटी इम्प्रुव्हमेंट ट्रस्टसह विलीनीकरण केल्यानंतर मार्च 5, 1971 रोजी स्थापित करण्यात आले.
त्रिवेंद्रम मध्ये केरळमधील काही उल्लेखनीय योगदानाचे माहेरघर आहे. देशाची राजधानी कोट्टायम हा सर्वात शांत आणि वेगाने वाढणाऱ्या रिअल इस्टेट गुंतवणूक पर्यायांपैकी एक आहे.
उपलब्ध एकर वाढत नसल्याने प्रॉपर्टीची नेहमीच प्रशंसा केली जाते; प्रॉपर्टी विकली जाऊ शकते, भाड्याने दिली जाऊ शकते किंवा ताब्यात दिली जाऊ शकते आणि तुम्ही तुमच्या योगदानावर उत्कृष्ट रिटर्न देऊ शकता.
केरळ हाऊसिंग बोर्ड फायनान्स लिमिटेडने सवलतीच्या व्याज रेट्ससह कमी इन्कम असलेल्या व्यक्तींसाठी सोपे हाऊस लोन तयार केले आहे. ग्रामीण आणि शहरी भागातील लोक आता या होम लोन टेक्नॉलॉजीचा वापर करून त्यांचे स्वत:चे घर बांधू शकतात.
हाऊसिंग बोर्ड होम लोन ॲप्लिकेशन प्रोसेससाठी सामान्यपणे काही आठवडे लागतात. ते डॉक्युमेंट व्हेरिफिकेशन, पात्रता तपासणी आणि निवडलेल्या हाऊसिंग प्रोजेक्ट किंवा स्कीमद्वारे प्रभावित होते.
केरळ हाऊसिंग बोर्ड होम लोन सामान्यपणे समाजातील आर्थिकदृष्ट्या कमकुवत घटकांसाठी आहेत. त्यामुळे, स्वत:ची प्रॉपर्टी यापूर्वीच विशिष्ट KHB स्कीम अंतर्गत होम लोनसाठी तुमच्या पात्रतेवर परिणाम करू शकते.
कमाल हाऊसिंग बोर्ड होम लोन रक्कम केरळ हाऊसिंग बोर्डद्वारे सेट केलेल्या तुमच्या इन्कम कॅटेगरी, प्रॉपर्टी खर्च आणि स्कीम-विशिष्ट मर्यादेवर अवलंबून असेल.
अनेक हाऊसिंग लोन्स कमी किंवा कोणत्याही दंडाशिवाय आंशिक किंवा पूर्ण प्रीपेमेंटला अनुमती देतात. तथापि, प्रीपेमेंट संदर्भात अधिक माहितीसाठी केरळ हाऊसिंग बोर्डशी संपर्क साधणे महत्त्वाचे आहे.
You can track your housing board home loan application status by visiting the official Kerala Housing Board website. You can also contact the relevant housing board office.
02 जुलै 2026
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