MHADA - Maharashtra Housing and Area Development Authority Scheme

MHADA- Maharashtra Housing & Area Development Authority Scheme was established by the Maharashtra Housing and Area Development Act, 1976. MHADA schemes offer residents of Maharashtra affordable housing, the scheme offers over 1,300 low-cost houses via a lottery system. The applicants of the scheme are segregated into groups based on their monthly income.

MHADA Scheme 2019

The following are the number of flats allotted under the scheme in the year 2019

  • Economically weaker section (EWS) applicants were allotted 63 flats
  • 126 flats to low-income group (LIG) applicants
  • 201 apartments to middle-income group (MIG) applicants
  • 194 units to high-income group (HIG) applicants.

MHADA Scheme 2020

Individuals that find it difficult in financing a home purchase can apply for the MHADA lottery 2020. Houses built under the scheme are newly developed and may offer better amenities compared to other options available in the market. A report highlighted that out of  9,000 homes listed under the MHADA scheme, 10% of flats were lying vacant. As many units are set aside for the Pradhan Mantri Awas Yojana (PMAY), but the number of applicants availing the scheme is very low. Hence, it is a good idea to apply through Pradhan Mantri Awas Yojana (PMAY) to avail hefty interest subsidy.

Eligibility for MHADA Lottery 2020

The authority governing the MHADA scheme has set a specific eligibility criterion that needs to be fulfilled to identify qualified beneficiaries.

  • The applicant must be 18 years of age or above; any application in the name of a minor will not be considered valid.
  • A domicile certificate of 15 years of the applicant in any part of Maharashtra.
  • For Lower Income Group (LIG) applicant’s monthly income should range between Rs 25,001 and Rs 50,000.
  • For a Middle Income Group (MIG) applicant’s monthly income should be between Rs 50,001 and Rs 75,000.
  • For Higher Income Group (HIG) applicants must have a monthly income over Rs 75,000 per month.
  • The MHADA applicant must have a PAN Card in his/her name.

Documents Required for MHADA Lottery 2020

The following are the documents required to apply for the MHADA lottery 2020 scheme:

  • Aadhaar card
  • PAN card
  • Domicile certificate
  • Voter ID card
  • Passport
  • Birth certificate
  • School leaving certificate
  • Driving license

Registration Process for MHADA Lottery Scheme

Applicants who are willing to apply for MHADA housing scheme 2020 can apply by themselves on the MHADA official site. Here is the step-by-step guide for MHADA registration.

Step 1: 

Go to the official website at https://lottery.mhada.gov.in/


Step 2:

Select the scheme board available and create a User Account for MHADA Lottery/login if you already have a username registered


Step 3:

Enter all the required details and submit the details. Fill in the OTP that you have received via SMS/EMAIL on your registered mobile number/email. Fill in your monthly income, PAN card number, contact, bank details and upload a scanned copy of your pan card along with passport size photographs 


Step 4:

Submit and confirm the MHADA scheme application and now proceed to pay the application fee.


Step 5:

The payment for the application fee can be done through DD (Demand Draft) or through debit card, credit card or NEFT/RTGS. For online payment, log in to your account and select the payment options. Finally, select the scheme you applied for and proceed with the payment.

 

Pricing of Houses under the MHADA Scheme

The government recently announced the results for MHADA lottery scheme 2020 to allow as many as 3,894 flats to be constructed. As per the latest information, MHADA will offer the residential property to the winners of the scheme in different configurations at different prices, ranging from Rs 15 lakh to Rs 6 crore. The government has set fixed costs for the units available under the MHADA lottery scheme. These are as follows.

Category

Prices

Economically weaker section (EWS)

Rs 15-20 lakhs.

Low Income Group (LIG)

Rs 20-35 lakhs.

Middle Income Group (MIG)

Rs 35-80 lakhs.

High Income Group (HIG)

Rs 80 lakh-5.8 crores.

The MHADA lottery scheme has been created primarily to provide a roof over head to the people and families of weaker sections of the society and all eligible applicants will be given the opportunity to get accommodation at affordable rates. Apart from government schemes, another great option is to apply for a Home Loan, you can get a loan of up to Rs.3.5 crore as a sanction to purchase, or build the house of your dreams. The online process for home loans is quick and easy with minimal paperwork requirements. You get nominal interest rate and a flexible tenor of up to 240 months and get access to additional benefits such as additional Home Loan Top Up of up to 50% of your sanctioned loan amount. Alongside the loan a financial health check report is also provided to keep track of your financial health, you also get a complementary health card that entails a host of offers and benefits.

FAQs on MHADA

  • ✔️Are MHADA flats worth buying?

    MHADA homes are much affordable than the ones sold by builders in the real estate market. If you get selected for the MHADA scheme you will be paying less and get home in Mumbai in a good area with all the facilities.

  • ✔️Can MHADA flats be resold?

    MHADA flats owners are allowed to sell their units only after five years from the date of purchase. Usually, sellers offer the power of attorney of the property and not a registered deed. It is illegal for the power of attorney to sell the house and you are liable to be evicted.

  • ✔️How to check MHADA lottery refund status?

    Applicants that were not able to win the lottery scheme can ask for a refund. The process to check with the MHADA scheme refund status is simple.

    Step 1: The applicants are required to log on to MHADA official site - http://postlottery.mhada.gov.in/login.do

    Step 2: Start by filling in the application number and year of a lottery scheme.

    Step 3: After submitting the information, you will be redirected to a page.

    Step 4: Once you get a link click on it and check your refund status.

  • ✔️What if your MHADA application money is not refunded?

    The authority governing the scheme will initiate the refund process within seven working days of the draw date. If you do not receive the refundable amount within 7 days then you can contact the customer care department of MHADA 2020 Lottery.

  • ✔️How many houses are there under EWS category?

    The MHADA lottery 2020 has 4455 homes located in Mira Road, Blakum (Thane), Shirdone (Kalyan), Khoni (Kalyan), Kole (Kalyan), and Umbarli (Ambernath), Antarli (Kalyan), Khoni Hedutane (Kalyan). These include the 3937, PMAY homes for Economically Weaker Section (EWS) category.

  • ✔️How many houses are there for the Lower Income Group category?

    There are 4341 homes located in Virar Bolinj, Khoni (Kalyan), Mira Road, Kavesar (Thane), Vengural, (Sindhudurg), Antarli (Kalyan), and Umbarli (Ambernath) Khoni  Hedutane (Kalyan), Kole (Kalyan) for the Lower Income Group (LIG) category 

  • ✔️How many houses are there for the Middle Income Group category?

    The MHADA lottery scheme 2020 will allot 215 units located in Balkum (Thane), Vengurla (Sindhudurg), Mira Road, Kunwar Bav (Ratnagiri) and Virar Bolinj areas for the Middle Income Group (MIG) category.

  • ✔️How many houses are there for the High Income Group category?

    Only seven units are made available in Mira Road, Vengurla (Sindhudurg) and Kunwar Bav (Ratnagiri) or the High Income Group (HIG) category.

  • ✔️Maximum monthly income to apply for homes under EWS category?

    The monthly income of an individual in the EWS category including the spouse income shouldn't be above Rs 25,000.

  • ✔️Maximum monthly income to apply for homes under LIG category?

    The monthly salary of a person from the LIG category including that of a spouse shouldn't be above Rs 50,000.

  • ✔️Maximum monthly income to apply for homes under the MIG category?

    The maximum monthly income for MIG category to apply for homes for MIG is Rs 75,000 per month.

  • ✔️Maximum monthly income to apply for homes under HIG category?

    The maximum monthly income for HIG category to apply for homes should be above Rs 75,001 per month.

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