karnataka housing board schemes . all schemes

The Karnataka government, along with the central government’s Pradhan Mantri Awas Yojana (PMAY), offers various housing schemes to cater to the diverse needs of citizens across the state. This article provides a comprehensive overview of the major housing schemes available in the Karnataka housing board for both urban and rural areas in 2024.

1. TheKarnatakagovernment,alongwiththecentralgovernment’s
PradhanMantriAwasYojana(PMAY),offersvarioushousingschemes
tocatertothediverseneedsofcitizensacrossthestate.Thisarticle
providesacomprehensiveoverviewofthemajorhousingschemes
availableintheKarnatakahousingboardforbothurbanandrural
areasin2024.

2. UrbanHousingSchemes:
1.PradhanMantriAwasYojana(Urban)(PMAY-U):
Thiscentralgovernmentinitiativeprovidesfinancial
assistanceforaffordablehousingtoeconomicallyweaker
sections(EWS),low-incomegroups(LIG),and
middle-incomegroups(MIG)inurbanareas.Thescheme
offersdifferentsubsidiesbasedontheincomecategoryand
propertytype.
2.Dr.B.R.AmbedkarNivasYojana(Urban):Thisstate
governmentschemeistargetedtowardsSC/STcommunities
residinginurbanareas.Itprovidessubsidiesforconstructing
newhousesorrenovatingexistingones.
3.VajpayeeUrbanHousingSchemeRegular:This
schemecaterstothemiddle-incomecategory(MIG)inurban
areas.Itofferssubsidiesforpurchasingpre-builtflatsor
constructinghousesonallottedplots.

3. 4.DevrajUrsHousingScheme(Urban):Thisscheme
aimstoprovideaffordablehousingtoOtherBackward
Classes(OBC)familiesresidinginurbanKarnataka.Itoffers
subsidiesforconstructingnewhousesondesignatedplots.
RuralHousingSchemes:
1.BasavaHousingScheme:Thisflagshipschemeofthe
Karnatakagovernmentfocusesonprovidingfinancial
assistanceforconstructingnewpuccahousestoruralfamilies
belongingtoBelowPovertyLine(BPL)andScheduled
Castes/ScheduledTribes(SC/ST)communities.
2.DevarajUrsHousingScheme(Rural):Similartoits
urbancounterpart,thisschemetargetsOBCfamiliesresiding
inruralareas.Itofferssubsidiesforconstructingnewpucca
houses.
3.PradhanMantriAwasYojana(Gramin)(PMAY-G):
Thiscentralgovernmentinitiativeprovidesfinancial

4. assistancetoeligibleruralhouseholdsforconstructingpucca
houseswithbasicamenities.
Urbanschemes
PMAYurbanscheme
TheIndiangovernmentlaunchedthePMAYprogramin2015to
helplow-incomefamiliesaffordahome.Theirgoalwastobuild20
millionhousesbyMarch2022.HereinKarnataka,over7lakhhouses
havebeenapprovedunderPMAYsince2015.Outofthose,over3lakh
havebeenbuiltandconstructionhasbegunonover5.7lakhmore.
TillnowinKarnataka,itwassanctionedfor25Districtsin1723
villagesandthetotalsanctionedamountwas19908.5lacs
KeyFeatures:

5. ●TargetBeneficiaries:Theschemecaterstoeconomically
weakersections(EWS),low-incomegroups(LIG),and
middle-incomegroups(MIG)residinginurbanareasof
Karnataka.
●SubsidyOffered:Thesubsidyamountvariesdependingon
thebeneficiary’sincomecategoryandthetypeofproperty
(flatorplot).Itrangesfrom₹1.5lakhto₹2.67lakh.
●ApplicationProcess:Youcanapplyonlinethroughthe
PMAY-Uofficialwebsite
(https://web.umang.gov.in/landing/department/pmayg.html
)orbyvisitingthelocalCommonServiceCentre(CSC)
IfyouthinkyoumightqualifyforPMAY,youcanapplyonlineattheir
websiteorvisityourlocalCSCcenterortheKarnatakaHousingBoard
office.

6. Toapply,you’llneedyourAadhaarcard,proofofyourincome,bank
accountinformation,andsomedetailsaboutthepropertyyou’re
interestedin.
They’llletyouknowaboutyourapplicationstatusbytextmessageand
email.Ifyougetapproved,themoneywillbeautomaticallyaddedto
yourloanaccounttohelppayfortheinterest.
2.Dr.B.R.AmbedkarNivasYojana
TheDr.B.R.AmbedkarNivasYojanaisaschemeimplemented
bytheKarnatakaHousingBoard(KHB)specificallytoaidmembersof
theScheduledCastes(SC)andScheduledTribes(ST)communities
residinginurbanareasofKarnataka.Thisprogramoffersfinancial
assistancetohelpthembuildtheirownhomesorimproveexisting
ones.
Benefits:

7. ●Subsidy:Eligiblebeneficiariescanreceivefinancialaidofup
to₹1.20lakhforconstructinganewhouseorexpandingan
existingone.
●ImprovedLivingConditions:Theschemeempowers
thesecommunitiestoownpucca(permanent)houses,
leadingtobetterlivingstandardsandsecurity.
Eligibility(asofJune7,2024):
●ApplicantsmustbelongtotheSCorSTcommunity.
●TheyshouldberesidentsofanurbanareainKarnataka.
●Theapplicant’sfamilyshouldnotownapuccahouseinthe
state.
●Annualincomelimitsmightapply
Documents:
IDproof

8. proofofresidence
casteandincomecertificate
propertyownershipdocuments
DevrajUrsHousingScheme(Urban)forKarnatakain2024
TheDevrajUrsHousingScheme(Urban)isaprogram
implementedbytheKarnatakaHousingBoard(KHB)toassistOther
BackwardClasses(OBC)familiesresidinginurbanareasof
Karnataka.Thisinitiativeaimstomakeowningahomemore
affordableforeligiblebeneficiaries.
Benefits:

9. ●Subsidy:Theschemeoffersfinancialassistanceintheform
ofasubsidytohelpbeneficiariesconstructnewhouseson
designatedplotsofland.
●AffordableHousing:Thisprogrampromotes
homeownershipamongOBCfamilies,contributingtoasense
ofsecurityandstability.
Eligibility(asofJune7,2024):
●ApplicantsmustbelongtotheOBCcategoryasrecognizedby
theGovernmentofKarnataka.
●TheyshouldberesidentsofanurbanareainKarnataka.
●Theapplicant’sfamilyshouldnotownapuccahouseinthe
state.
●Annualincomelimitsmightapply
Ruralschemes

10. 1.BasavaHousingScheme
1.TheBasavaHousingScheme,spearheadedbythe
Karnatakagovernment,isaflagshipprogramaimedat
providingaffordablehousingsolutionsforunderprivileged
familiesresidinginruralareasofthestate.Here’sa
comprehensivebreakdownoftheschemein2024:
2.Beneficiaries:
3.TheschemetargetsfamiliesbelongingtotheBelowPoverty
Line(BPL)categoryandScheduledCastes/ScheduledTribes
(SC/ST)communitiesinruralKarnataka.
4.Benefits:
5.FinancialAssistance:Theschemeofferssubstantial
financialaidtoeligiblebeneficiariestoconstructnewpucca
(permanent)houses.Thisassistancecanbeintheformofa
subsidyorsubsidizedbuildingmaterials.
6.ImprovedLivingStandards:Bypromotingownershipof
puccahouses,theschemeaimstoenhancetheliving
conditionsandwell-beingofruralfamilies.

11. 7.Eligibility(asofJune7,2024):
8.ApplicantsmustbelongtotheBPLcategoryorSC/ST
communitiesandresideinruralKarnataka.
9.Thefamilyshouldnotownapuccahouseinthestate.
10.Landownershiporpossessionofakutchahousewherea
puccahousecanbebuiltmightberequired.
11.Annualincomelimitsmightbeapplicable
2.PradhanMantriAwasYojana—Gramin(PMAY-G):
Thiscentralgovernmentinitiative,implementedthroughstate
agencies,offersfinancialassistanceforruralhousingconstruction
acrossIndia,includingKarnataka.It’snotexclusivetoBangalorebut
caterstoeligibleindividualsinruralareasthroughoutthestate.
ApplyingforPMAY-GinKarnataka:

12. ●YoucaninquireaboutPMAY-GatyournearestGram
PanchayatofficeortheDepartmentofRuralDevelopment&
PanchayatRaj
ServicesinKarnatakaHousingBoard:
BuildingplansApproval
Issuancesaledeed
onlinepayments
projectapplicationsinonline
FrequentlyAskedQuestions:
1.WhoiseligiblefortheBasavaHousingScheme?

13. TheBasavaHousingSchemetargetsfamiliesbelongingtotheBelow
PovertyLine(BPL)categoryandScheduledCastes/ScheduledTribes
(SC/ST)communitiesresidinginruralareasofKarnataka
2.WherecanIfindthelatestupdatesonKarnatakahousing
schemes?
Youcanfindthelatestinformationonvarioushousingschemesby
visitingtheofficialwebsitesoftheKarnatakaHousingBoard
(https://khb.karnataka.gov.in/english)andthePradhanMantriAwas
Yojana—Gramin(PMAY-G)
(https://dashboard.rural.nic.in/dashboardnew/pmayg.aspx).
3.HowcanIfindoutifI’meligibleforaKHBscheme?
Eachschemehasspecificeligibilitycriteriabasedonfactorslike
income,location,andcaste(forsomeschemes).Youcanfinddetailed
informationabouteligibilityrequirementsontheKHBwebsite

14. (https://khb.karnataka.gov.in/english)orbycontactingyourlocal
KHBoffice.