Indian Real Estate

An Overview on HIG Flats in India


17, January 2026

As the demand for residential projects in India skyrockets, providing housing options has become a key concern of the country!

As diverse strata of society exist in India, the choices of residential projects become more varied. For example, homebuyers of the high-income group prefer owning a more luxurious and spacious home and when it comes to the homebuyers of the lower-income group, all they need is a home that would occupy the whole family and offer the minimal of amenities.

Today, we are going to discuss the classification of flats in terms of income group. LIG Flats, MIG Flats, and HIG Flats are the different types of flats in India, offered in accordance with the income group categories.

Dealing with the biggest challenge of poverty in India, several affordable housing schemes are offered by the government, aiming at the objective of housing for all!

In this article, we will be exploring about HIF flats in India. Come, let's dive into it then!

so,

What is HIG Flats?

HIG flats or High Income Group flats are meant for households, whose gross annual income is above 18 lakhs. Thus, under several government housing schemes, flats are offered to high-income groups.

Compared to LIG flats and MIG flats, HIG flats usually offer spacious and come with better amenities and facilities.

Key Features of HIG Flats

As mentioned above, HIG flats over more features and specifications compared to the other. Some of the major features that HIF flats offer are:

  • FIG flats offer large layouts, generally having multiple bedrooms, bathrooms, a living room, a dining area, and a kitchen. Certain flats may also offer a study room and even a balcony, just like a luxury apartment offers.

  • They also don't go down on the amenities offered. FIG flats are mostly occupied with modern amenities, including a modular kitchen and high-quality fixtures and fittings. The housing complex even offers a secure community living with swimming pools, gyms, landscaped gardens, clubhouses, and sports facilities.

  • HIG flats will mostly be located in prime locations. With strategic positioning, high-income group flats ensure excellent connectivity and transit facilities, as well as offer proximity to several public amenities, such as - educational institutes, hospitals, and other entertainment hubs.

  • When it comes to pricing, HIF flats are more expensive compared to LIG flats and MIG flats, as they offer larger layouts and better amenities.

  • The most targeted audience for HIG flats is most homebuyers with high-income levels.

  • HIG flats most often offer far superior quality construction and design perspectives compared to LIG flats and MIG flats in India.

GR Sitara - Hosa Road Bangalore

Government Housing Schemes Offering HIG Flats in India

The several affordable housing schemes in India that offer HIG flats for those who come under the eligibility criteria. Most of the cities' urban development authorities are behind the establishment of HIG flats for homebuyers under higher income levels.

Coming to the point, some of the major HIG housing schemes in India are:

1. Pradhan Mantri Awas Yojana (PMAY) - Urban

PMAY, the Pradhan Mantri Awas Yojana launched by PM Narendra Modi mostly specialized in offering LIG flats for people of lower income levels. Yet, this, one of the top government schemes in India, also offers sub-schemes for HIG flats in India. These flats are received through the Credit Linked Subsidy Scheme(CLSS) component.

2. DDA Housing Scheme

Delhi Development Authority(DDA) housing scheme, is yet another housing scheme under PMAY, offering affordable housing for lower-income groups in Delhi. This also offers HIG flat choices for those who prefer.

3. MHADA Housing Scheme

Maharashtra Housing and Area Development Authority(MHADA), the urban planning authority of Maharashtra is also offering a housing scheme. In order to be eligible for receiving HIG flats under the scheme, the person should be above 18 years old and should have a monthly income and PAN card. The monthly household income must be above Rs 75,000 for you to be eligible for the HIG flat under the scheme.

4. BDA Housing Scheme

Bangalore Development Authority(BDA), the urban planning authority of Bangalore also offers housing schemes aiming to offer housing for lower-income groups. It also offers choices for HIG flats under the scheme.

5. West Bengal Housing Board(WBHB) Schemes

If the monthly income of your household is above Rs 40,000, you are eligible to receive the FIG flat under the WBHB housing scheme. West Bengal Housing Board housing scheme offers affordable housing for households falling under the lower income group. They are also offering HIG flats under the scheme.

6. Tamil Nadu Housing Board (TNHB) Schemes

TNHB is also offering housing schemes for lower-income groups. Under this scheme, the authority is also offering options for HIG flats for households falling under the high-income level.

As we summarize,

These housing schemes offer housing loan amounts for the higher income group. In order to be eligible for the housing scheme, households must follow certain criteria. Apart from government schemes, the categorizing of LIG, MIG, and HIG flats is also implemented by private real estate developers. These classifications are based on the income levels of the buyers and the corresponding size and price of the flats.

That's all, folks. These are all you need to know about HIG flats in India. Let us know your thoughts on the matter in the comment section below!

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Most Frequently Asked Questions?

What are the types of flats in terms of income levels?

In terms of income group categories, flats are divided into LIG, MIG and HIG flats.

What is HIG flat?

HIG flats are designed for person and family falling under the high income group, offering large layout with modern amenities.

What is LIG flat?

LIG flat is designed for person and family coming under lower income group, offering small layout and minimalistic amenities.

What is MIG flat?

MIG flat is designed for persons and families that come under the middle income group, offering layout with average size and amenities, ensuring a middle-class living.

How many rooms does HIG flats offer?

Under HIG flats, you can enjoy large layouts with a list of modern amenities. HIG flats offers multiple bedrooms, bathrooms, living room, kitchen, dining room and even balcony.

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