Yes, the Karnataka government offers housing subsidies to eligible individuals aiming to build their own homes, primarily through the Karnataka CM One Lakh Housing Scheme and the Pradhan Mantri Awas Yojana (PMAY). (Karnataka CM One Lakh Housing Scheme 2025: Eligibility … – Dwello)
🏠 Karnataka CM One Lakh Housing Scheme
This scheme provides financial assistance to economically weaker sections (EWS), Scheduled Castes (SC), Scheduled Tribes (ST), and minority communities for constructing homes. Beneficiaries receive subsidies ranging from ₹2.70 lakh to ₹3.50 lakh, depending on their category and location. (Karnataka CM 1 Lakh Housing Scheme 2025 – Basic Home Loan)
Eligibility Criteria:
- Annual household income should be less than ₹87,000.
- Applicant must be a permanent resident of Karnataka.
- Should not own a permanent house.
- Must have resided in Bengaluru for at least five years (for urban schemes). (Karnataka One Lakh Housing Scheme – Complete Guide & Details)
Application Process:
- Visit the official website: ashraya.karnataka.gov.in.
- Select the appropriate housing scheme (e.g., 1BHK or 2BHK).
- Fill in the required details, including personal and income information.
- Upload necessary documents such as Aadhaar card, income certificate, and residence proof.
- Pay the registration fee of ₹100.
- Submit the application and note the application number for future reference. (Karnataka One Lakh Housing Scheme – Eligibility …, Karnataka One Lakh Housing Scheme – Complete Guide & Details)
🏡 Pradhan Mantri Awas Yojana (PMAY)
Under PMAY, eligible beneficiaries can avail of an interest subsidy of up to ₹2.67 lakh on home loans for constructing or purchasing a house. This scheme caters to both urban and rural populations. (PMAY Home Loan Subsidy up to Rs. 2.67 Lakh: Eligibility & Benefits)
Eligibility Criteria:
- For EWS: Annual household income up to ₹3 lakh.
- For LIG: Annual household income between ₹3 lakh and ₹6 lakh.
- Applicant or any family member should not own a pucca house in India.
- The property should be in the name of the female head of the family or jointly with the male head. (PMAY Home Loan Subsidy up to Rs. 2.67 Lakh: Eligibility & Benefits, Karnataka One Lakh Housing Scheme – Complete Guide & Details)
Application Process:
- Visit the official PMAY website: pmaymis.gov.in.
- Click on the ‘Citizen Assessment’ tab and select the applicable category.
- Fill in the required details, including Aadhaar number, personal, income, and bank information.
- Submit the application and save the application number for tracking purposes. (PMAY Home Loan Subsidy up to Rs. 2.67 Lakh: Eligibility & Benefits, Karnataka Housing Board Schemes 2025 – Online Application)
📄ಇದನ್ನು ಓದಿ :
ಮನೆ ಕಟ್ಟಲು ಕೇಂದ್ರದಿಂದ 12ಲಕ್ಷ ಸಹಾಯ ಧನ ಅರ್ಜಿ ಸಲ್ಲಿಸಿ
Required Documents
- Aadhaar Card
- Income Certificate
- Residence Proof
- Caste Certificate (if applicable)
- Bank Account Details
- Passport-sized Photographs
- Voter ID or Ration Card (Pradhan Mantri Gramin Awas Yojana, RGRHCL, Karnataka One Lakh Housing Scheme – Complete Guide & Details, Karnataka CM 1 Lakh Housing Scheme 2025 – Basic Home Loan)
🔍 Additional Resources
- Karnataka Housing Board (KHB): Offers various housing schemes for different income groups. For more details, visit KHB Official Website. (KHB: Karnataka Housing Board Schemes 2025 Guide – OneNDF)
- Basava Vasati Yojana: Provides housing assistance to economically weaker sections.
✅ Apply now ✅
The Karnataka government, in collaboration with the central government, provides substantial subsidies to assist individuals in building their own homes. By leveraging schemes like the Karnataka CM One Lakh Housing Scheme and PMAY, eligible beneficiaries can significantly reduce the financial burden of constructing a house. It’s advisable to consult with local authorities or visit the official websites to get the most accurate and updated information tailored to your specific situation. (Karnataka CM 1 Lakh Housing Scheme 2025 – Basic Home Loan)