TNHB - Tamil Nadu Housing Board Scheme

In 1961, the Chennai City Improvement Trust evolved into the Tamil Nadu Housing Board (TNHB). This change created a focused entity for addressing the state's housing needs. TNHB was established in response to the growing housing demand, due to rapid urban development across Tamil Nadu. Their head office stands on Anna Salai in Nandanam, Chennai.

 

The Board functions under the Housing & Urban Development Department's oversight. They develop distinct housing solutions for different economic brackets. Their schemes serve four main categories: Economically Weaker Section (EWS), Lower Income Groups (LIG), Middle Income Groups (MIG), and High Income Groups (HIG). 

The Tamil Nadu Housing Board has several sub-schemes for different parts of the state. You can opt for schemes that suit you best depending on your home buying requirements. 

• Besant Nagar Division

TNHB provides flats in different parts of Indra Nagar and Sholinganallur by drawing lots. If you wish to apply, you have to first pay 5% of the unit cost as a fee. The amount depends on the income group you fall under. Individuals who qualify for the flat are picked at random, and if you aren’t selected, the entire application fee gets refunded. As a selected beneficiary, you are required to pay another 5% towards the provisional allotment order and the remaining 90% is to be paid within 30 days. 

• Thanjavur Housing Division

The Thanjavur Housing division of the TNHB scheme offers its own set of schemes such as the Pattukottai Self Finance Scheme, Tamil University Campus Self Finance Scheme, Tamil University Campus NH Scheme, and Thanjavur Scheme. All of the above-mentioned schemes have their own specifications but are divided into different segments under the TNHB scheme. 

• Trichy Housing Division

The Trichy Housing Division caters to the housing needs of Tamil Nadu residents in places like Pudukottai, Navalpattu, Valavanthankottai and more. This scheme offers land for shops, commercial units, and service enterprises. These plots are allotted via an open auction, and can also be used for establishing educational centres like playschools. To apply for the scheme, you need to pay 15% of the total price to secure your plot. 

• TNHB J.J. Nagar Division Scheme

The J.J Nagar Housing Division allocates properties located in Nolambur Phase-1, Ambattur (DUNLOP), Ambattur Ph-I & II, Mogappair Eri to its members. Note that once a beneficiary receives the allotment letter, the individual will have to pay the total project cost within 30 days of receiving it. 

• TNHB Hosur Housing Unit Scheme

Under the TNHB Hosur Housing Unit Scheme, people belonging to the Economically Weaker Sections (EWS), Lower Income Groups (LIG), Middle Income Groups (MIG) and the High Income Groups (HIG) can purchase unsold flats situated in the Hosur area. Note that these houses are given to residents on a first come first serve basis and also must be purchased outright. 

• TNHB Coimbatore Housing Unit Scheme

This scheme is only open to people belonging to the High Income Groups (HIG) and the Middle Income Group (MIG) categories. Members of this group can apply for the construction of houses and must adhere to the self-finance mode of payment. 

 

To qualify for any of the schemes under the Tamil Nadu Housing Board, you must meet the following eligibility criteria:

• You should be a native of Tamil Nadu.

• You should be at least 21 years old.

• You must not own any property under other government housing schemes. 

• You should be a salaried employee qualifying under any one of the income categories.

Here’s a quick overview of the income categories associated with TNHB scheme: 

In case you have also applied for the PMAY Scheme, check your name in the PMAY List.

You will have to provide the following documents to support your application for any Tamil Nadu Housing Board (TNHB) scheme: 

• Proof of Identity: A government-issued ID, like your Aadhaar card, PAN card, or passport

• Proof of Address: Your electricity bill, ration card, or rent agreement as proof of your residence

• Income Certificate: Any certificate issued by a competent authority to verify your income eligibility

• Age Proof: Birth certificate or other relevant documents to prove your age as per a scheme’s eligibility

• Photographs: Recent passport-sized photographs

• No Property Ownership Certificate: A declaration or certificate stating that you do not own any other property under government schemes

• Application Form: Duly filled application form purchased from the TNHB office or downloaded online

• Payment Receipt: Proof of payment of the initial deposit or application fee as specified by TNHB

Applying online for the TNHB scheme is straightforward and convenient. Follow these steps:

• Step 1: Visit the official Tamil Nadu Housing Board website. 

• Step 2: Find and go to the ‘Housing Schemes’ section. 

• Step 3: Browse available schemes and check eligibility criteria carefully. 

• Step 4: Download the application form for whichever scheme you want to apply. 

• Step 5: Fill the form with your correct personal and financial details. 

• Step 6: Upload scanned copies of the required documents, like proof of identity and income. 

• Step 7: Pay the application fee online via net banking, credit/debit card, etc. 

• Step 8: Submit the form along with the documents through the portal. 

• Step 9: Write down the application number for quick tracking and future reference. 

Don’t forget to track your application status regularly on the TNHB website.

Applying online for the TNHB scheme is straightforward and convenient. Follow these steps:

• Step 1: Visit the official Tamil Nadu Housing Board website. 

• Step 2: Find and go to the ‘Housing Schemes’ section. 

• Step 3: Browse available schemes and check eligibility criteria carefully. 

• Step 4: Download the application form for whichever scheme you want to apply. 

• Step 5: Fill the form with your correct personal and financial details. 

• Step 6: Upload scanned copies of the required documents, like proof of identity and income. 

• Step 7: Pay the application fee online via net banking, credit/debit card, etc. 

• Step 8: Submit the form along with the documents through the portal. 

• Step 9: Write down the application number for quick tracking and future reference. 

Don’t forget to track your application status regularly on the TNHB website.

If you prefer offline application, follow these simple steps to apply for the TNHB scheme:

• Step 1: Locate the nearest TNHB office or authorised application centre.

• Step 2: Purchase the application form for the desired housing scheme from the office.

• Step 3: Fill in the application form with all required details carefully. 

• Step 4: Attach copies of all necessary documents, such as ID proof and income certificate. 

• Step 5: Submit the completed form and documents at the TNHB office counter. 

• Step 6: Pay the application fee in cash or via demand draft as instructed. 

• Step 7: Collect the receipt or acknowledgement slip for your application. 

Remember to follow up with the TNHB office for updates on your application status. 

An allotment committee, composed of members from the state revenue authority, TNHB, and others, oversee and conduct the entire process. For residential units, the allotment committee conducts a lottery draw for every reserved category. Commercial units are allotted via a tender-cum-open auction procedure. However, as per a recent announcement, the TNHB is planning to migrate the allotment procedure to a first-come, first-served method. This will be applicable to residential units. 

 

The TNHB housing scheme is a cost-effective way to own a home in Tamil Nadu. Once you’re allotted a plot under the scheme, you can get an affordable home loan to pay for its full cost. 

 

The Home Loan available on Bajaj Markets can work in your favour as you can get a high loan amount at flexible tenures and nominal interest rates. With a home loan, you can get up to ₹15 Crores and use the funds to either buy, build or renovate your home. 

TNHB offers various types of houses to cater to different income groups and preferences. Here are the common types available: 

• Residential Plots: These are plots of land offered for building houses later.

• Flats: Multi-storey apartments are available in various sizes and configurations.

• Houses: Individual or row houses are also provided in some schemes.

• Commercial Units: Shops and shopping sites come under TNHB developments as well.

• Other Sites: Schools and other institutional plots, land for religious and public purposes, etc. are also available. 

TNHB offers multiple payment methods to ease the financial process for applicants: 

• Hire Purchase Mode:

Allottees need to make a down payment of around 40% of the project's total cost within 21 days of receiving the allocation letter. After that, they can pay the remaining amount in Equated Monthly Installments (EMIs) over a tenure of 5 to 14 years. 

• Outright Purchase Mode:

The allottee pays the entire cost of the unit within 30 days of receiving the allotment letter for the assigned unit. 

• Self-Finance Mode:

The allottee needs to pay the entire cost of the building to TNHB in installments, before the project is completed and ready to be handed over. 

TNHB schemes offer numerous benefits to applicants looking for affordable housing in the state of Tamil Nadu:

• Affordable Pricing: Houses are priced reasonably to suit various income groups, especially EWS and LIG.

• Government Backing: Being a government initiative, TNHB schemes provide transparency and trustworthiness.

• Amenities Included: Many projects include schools, parks, and commercial complexes for residents’ convenience.

• Flexible Payment Options: Instalment plans and multiple payment methods ease financial burden.

• Wide Reach: TNHB offers housing options across urban and semi-urban areas of Tamil Nadu.

• Priority to Special Groups: Government employees and defence personnel receive reserved quotas in certain schemes.

• Legal Protection: Allotments and transactions are governed by clear rules, reducing risks of fraud.

• Support Services: TNHB offices provide assistance and grievance redressal for applicants.