Kerala State Housing Board Scheme

The Kerala State Housing Board (KSHB), established on March 5, 1971, provides affordable and accessible housing solutions for residents across various income groups in Kerala. It offers initiatives tailored to Economically Weaker Sections (EWS), Low-income Groups (LIG), Middle-income Groups (MIG), and High-income Groups (HIG).

 

Notable projects include the Tsunami Housing Project, which constructed 1,204 houses for families affected by the 2004 tsunami, and slum clearance programmes aimed at urban development. The board also offers housing loans to eligible applicants, facilitating homeownership for diverse income segments.

 

Through its comprehensive housing schemes, KSHB focuses on improving living conditions, rehabilitating dilapidated homes, and ensuring disaster-resilient housing solutions. By promoting urban development and providing essential infrastructure, the board continues its mission of enhancing the quality of life for Kerala's residents.

The Kerala State Housing Board addresses housing challenges across various income groups in Kerala, focusing on accessibility and affordability. Here are its primary objectives:

• Provide affordable housing for Economically Weaker Sections, Low-income Groups, Middle-income Groups, and High-income Groups

• Improve living standards by ensuring access to safe, secure, and well-constructed homes

• Rehabilitate dilapidated housing and provide disaster-resilient housing solutions, including projects like the Tsunami Housing Project

• Promote urban development through slum clearance projects and the creation of modern housing complexes

• Offer financial assistance, including housing loans, to individuals for constructing or purchasing homes

• Support sustainable urban growth through the development of housing and commercial complexes, such as revenue towers and office spaces

The Kerala State Housing Board has set clear eligibility criteria to ensure its schemes benefit the right applicants. Here are the primary requirements:

• Applicants must be permanent residents of Kerala

• Valid identity proof, such as an Aadhaar Card, is required

• Applicants must maintain an active bank account and provide passbook statements

• A ration card indicating BPL or APL status is mandatory

• Applicants must not own any land or property within Kerala's boundaries

The Kerala State Housing Board requires specific documents to ensure applicants meet the scheme's eligibility. Here are the essential documents needed for application:

• Identity proof such as Aadhaar Card, PAN Card, or Passport

• Address proof like Voter ID, electricity bill, or ration card

• Income certificate for BPL or APL categories

• Recent bank statements or passbook copies as proof of financial activity

• Copy of the ration card to confirm the income group

• Recent passport-sized photographs with the application

• Property ownership documents, if applicable

Applying for the Kerala State Housing Board Scheme is a straightforward process designed to make housing accessible to all. Here are the steps to apply:

 

1.Visit the official Kerala State Housing Board website (https://kshb.kerala.gov.in/) or the nearest KSHB office

 

 

 2.Download the application form online or collect it in person

 

3.Fill out the form with accurate personal, financial, and residential details

 

4.Attach all required documents, such as identity proof, income certificate, and bank statements

 

5.Pay the application fee through the specified online or offline methods

 

6.Submit the completed application form and documents online or at the KSHB office

 

7.Track the status of your application using the acknowledgment receipt or online portal

The Kerala government offers various housing schemes and programmes to address the diverse housing needs of its residents. Here are some of the key initiatives aimed at providing affordable and inclusive housing solutions:

M.N. Laksham Veedu Punarnirmana Padhathi

This scheme targets the reconstruction of old and dilapidated houses initially built under the Laksham Veedu Housing Scheme. It aims to provide structurally improved and better-designed houses for economically weaker sections, enhancing their living conditions.

Innovative Housing Scheme

The scheme focuses on developing cost-effective housing solutions using innovative construction techniques and sustainable materials. It encourages environmentally friendly practices while ensuring affordability for various income groups.

Tsunami Rehabilitation Programme

Implemented for families affected by the 2004 tsunami, this programme provides disaster-resilient housing units. It ensures that rehabilitated communities have access to safe and well-constructed homes, along with basic infrastructure.

Suraksha Housing Scheme

This scheme provides financial assistance and subsidies to eligible low-income families for constructing or purchasing houses. It focuses on creating affordable housing solutions and includes provisions for essential amenities.

New Suraksha Housing Scheme

An extension of the original Suraksha scheme, it offers enhanced subsidies and broader eligibility criteria to include more beneficiaries. This scheme is designed to make homeownership more accessible for lower-income families.