Indian Real Estate

Major Housing Schemes in Karnataka


17, January 2026

The Government of Karnataka has taken an effective method to provide housing scheme facilities for underprivileged people.

Housing schemes in India are one of the evergreen developmental features of its economic plans because there are hundreds still who do not own a home of their own.

These housing schemes are created to provide housing facilities for both urban and rural people by fueling the economic development of the states.

It has a great impact on necessitous areas for their welfare, thus enabling them to lead a blissful life.

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Come let's look at the significance of these schemes in Karnataka.

DR. B.R Ambedkar and Vajpayee Urban Housing Schemes

Under this scheme, people residing in Mysuru City Corporation (MCC) are limited to constructing houses. Women are highly prioritized whether they are married or widows and the eligible beneficiaries have to provide copies of their BPL Ration Card, Voter's ID, Aadhaar Card, Caste Certificate, Income Certificate, and Photos.

The SC community is permitted to construct 51 houses, and the ST community can construct 21 houses under this scheme.

Benefits

  • Its mission is to provide houses for economically weaker sections at an affordable price.

  • These beneficiaries will receive the incentive from the government to construct their own house.

  • These programs replace dangerous and filthy homes with well-built structures that contain sufficient sanitation facilities and basic infrastructure, considerably enhancing the quality of life for residents.

  • Owning a home provides more than just shelter; it also promotes a strong sense of security and stability. This enables people and families, particularly those from marginalized groups, to shape a better future. Homeownership provides a solid foundation for financial security and the freedom to personalize their living environment, encouraging a sense of control and belonging.

  • The Vajpayee Urban Housing Scheme serves as a stepping stone for Middle-Income Groups (MIGs) to become homeowners. Offering financial assistance for purchasing or building a home greatly decreases the financial strain and makes the dream of home ownership closer to reality for MIG families.

  • Subsidies under the Vajpayee Urban Housing Scheme serve as a bridge, thereby narrowing the huge difference between the current market price of a property and the budget of a middle-income household. This allows them to fully explore homeownership, which would otherwise be too expensive.

  • These programs encourage growth by financing the construction of affordable apartments, hence boosting access to decent housing options in urban areas.

Eligibility

  • This scheme is applicable only to the permanent residents of Karnataka and not to the migrants.

  • If you're applying for this scheme, your family's yearly income should not surpass Rs.32,000.

Under the Vajpayee Urban Housing Scheme, the General Category people will be permitted to construct 198 houses, whereas Minority community people can construct 30 houses, and the yearly income of the beneficiary should be Rs. 32,000.

To provide the housing facility, DR. B.R Ambedkar Nivas Yojana has been implemented in both rural as well as in urban locales.

The beneficiary income limit in rural areas should be Rs.32,000 and in Urban areas Rs.87600 and should not exceed more than that as per the scheme.

Documents to be submitted by the applicants

  • Income certificate

  • Aadhaar card

  • Birth certificate

  • Voter ID

  • Address Proof

  • Passport size photos

Devraj Urs Housing Scheme

This scheme was implemented for special category people, namely nomadic tribes, Physically handicapped people, Safai Karmacharies, widows, transgender, and many others. In this scheme, the district committee headed by the Deputy Commissioner will be responsible for selecting the beneficiaries.

Namma Mane (our house) scheme

The state announced this scheme to provide affordable houses to middle-class people. There are three types of houses under this scheme and they are 'Bhagya,' 'Sampada,' and 'Yashas.'

Let me briefly describe three houses, i.e. 'Bhagya' houses will consist of 325 sq ft with 1 bedroom, 'Sampada' houses will have 375 sq ft area with a bedroom and study room and 'Yashas' consist of 450 sq ft area that has two bedrooms.

Pradhana Mantri Awas Yojana

To acquire a new house, PMAY will provide you with a loan for converting your 'kutcha house' into 'pucca house.' The main focus of the government is to construct several houses for the economically weaker sections throughout the state.

The mandatory clause in PMAY is that women will be provided the ownership of the property.

Eligibility Criteria

  • "Pucca" houses should not be owned by the applicant in any part of the country.

  • The ground floor will be provided for senior citizens and specially-challenged beneficiaries.

  • The subsidy amount shall be decided based on the applicant's yearly income and the category to which he/she belongs.

Here's some recent updates on the topic:

  • Funding Focus and Project Completion: Recent news highlights the government's commitment to complete ongoing projects. In February 2024, the Chief Minister requested proposals for immediate funding to expedite the construction of more than 52,000 houses under the Rajiv Gandhi Rural Housing Corporation Limited (RGRHCL) scheme. This demonstrates a proactive approach to addressing housing backlogs.

  • Township Development and New Opportunities: The Karnataka Housing Board (KHB) continues to be innovating. A recent update revealed plans for a new integrated township near Bangalore's Kempegowda International Airport. This project, which is expected to include both residential and commercial spaces, has the potential to provide exciting housing options as well as job opportunities.

  • Evolving Eligibility and Transparency: It is important to note that the eligibility criteria for some schemes are subject to change. Stay informed by visiting official government websites like the Department of Housing in Karnataka. These websites frequently include application details, FAQs, and contact information for additional assistance. Transparency is crucial, and these resources will help you determine your eligibility and navigate the application process efficiently.

  • Beyond Government Initiatives: Keep in mind that government schemes might not be the only option. Explore websites like Udyogaprabha, which compile information on various free housing schemes offered by the government or even community organizations. Remember, conducting thorough research is crucial to identify the program that best suits your needs.

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To conclude,

These schemes play a vital role in providing shelter to underprivileged and middle-class people by satisfying their basic needs and thus contribute to the good fare of the state as well. So we hope that you found our blog on Housing schemes in Karnataka interesting.

Related Blogs:

Affordable Housing Schemes

Government Schemes in India

Government Schemes For Women

Government schemes FAQ

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Most Frequently Asked Questions?

What are the different types of houses under the 'Namma Mane' scheme, and their specifications?

The Bhagya, Sampada, and Yashas homes come in different sizes, offering various bedrooms and spaces to suit different families' needs.

What are the different types of houses under the 'Namma Mane' scheme, and their specifications?

The Bhagya, Sampada, and Yashas homes come in different sizes, offering various bedrooms and spaces to suit different families' needs.

What are the different types of houses under the 'Namma Mane' scheme, and their specifications?

The Bhagya, Sampada, and Yashas homes come in different sizes, offering various bedrooms and spaces to suit different families' needs.

What importance do these housing schemes hold in Karnataka?

These schemes aim to fulfill the basic housing needs of people in need and individuals from the working class, thereby contributing to their welfare and the state's development.

What are the eligibility criteria for these housing schemes?

Eligibility involves living in Karnataka, having a family income below a certain amount (e.g., Rs.32,000 per year), and following particular housing guidelines based on community criteria in the scheme.

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