The Rajiv Gandhi Housing Scheme is one of India’s most popular affordable housing initiatives aimed at providing a safe and secure home to economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG). With the rising cost of real estate, this scheme offers much-needed relief by providing housing subsidies, low-interest loans, and government assistance to eligible families.
If you are planning to apply for the Rajiv Gandhi Housing Scheme online, this guide will walk you through everything—eligibility criteria, subsidy benefits, loan process, payment status check, and online application steps.
What is the Rajiv Gandhi Housing Scheme?
The Rajiv Gandhi Housing Scheme, launched by the Government of India, is designed to fulfill the dream of “Housing for All.” The program offers financial assistance, interest subsidies on home loans, and direct support for construction or purchase of houses.
The scheme primarily benefits:
- Economically Weaker Section (EWS) families
- Low-Income Group (LIG) households
- Middle-Income Group (MIG) families
It ensures that even those with limited financial capacity can own a home through government subsidies and affordable housing finance options.
Benefits of the Rajiv Gandhi Housing Scheme
Applying for the scheme comes with multiple financial and social benefits:
- Subsidy on Home Loans: Interest subsidies of up to 6.5% on housing loans for eligible applicants.
- Affordable EMI Payments: Reduced EMIs due to government subsidy support.
- Financial Assistance: Direct cash benefit for constructing or renovating houses.
- Secure Housing: Promotes safe and permanent housing for marginalized families.
- Tax Benefits: Additional tax deductions on interest paid towards housing loans under the scheme.
Rajiv Gandhi Housing Scheme Eligibility Criteria
Before applying online, ensure you meet the eligibility requirements:
- Income Limit:
- EWS: Annual income up to ₹3 lakh
- LIG: Annual income between ₹3–6 lakh
- MIG-I: Annual income between ₹6–12 lakh
- MIG-II: Annual income between ₹12–18 lakh
- Property Ownership: The applicant should not already own a permanent house in any part of India.
- Family Definition: The household should consist of a husband, wife, and unmarried children.
- Age Criteria: Applicant should be at least 18 years old.
- Women Ownership: For certain categories, women ownership of the property is mandatory to promote gender equality.
How to Apply for Rajiv Gandhi Housing Scheme Online
The government has made the application process fully digital to make it simple and transparent. Follow these steps:
- Visit the Official Portal
Go to the Rajiv Gandhi Housing Scheme official website or your state’s housing development board portal. - Register Online
- Create an account with your Aadhaar number, mobile number, and email ID.
- Verify using OTP.
- Fill the Application Form
- Provide personal details (name, DOB, income, family details).
- Upload required documents (Aadhaar, income certificate, domicile certificate, bank account details).
- Choose Loan/Subsidy Option
- Select whether you are applying for subsidy, loan, or direct benefit for construction.
- Submit Application
After filling in all details, click on “Submit” and take a printout of the acknowledgment slip for future reference.
Documents Required for Application
- Aadhaar Card of applicant and family members
- Income Certificate issued by competent authority
- Domicile/Residential Certificate
- Caste Certificate (if applicable)
- Passport-size photographs
- Bank Account details and passbook copy
- Property-related documents (if available)
How to Check Rajiv Gandhi Housing Scheme Payment Status
Applicants can easily check the payment or subsidy status online.
- Visit the official housing scheme portal.
- Click on “Beneficiary Status / Payment Status” tab.
- Enter your Application ID / Aadhaar Number / Registered Mobile Number.
- The screen will display the status of your application, subsidy approval, and payment release.
This online tracking ensures complete transparency in subsidy disbursal.
Loan and Subsidy Details Under the Scheme
The Rajiv Gandhi Housing Scheme provides interest subsidies up to 6.5% for a tenure of 20 years (depending on category).
- EWS & LIG: Eligible for 6.5% subsidy on home loan interest.
- MIG-I: Eligible for 4% subsidy on loan up to ₹9 lakh.
- MIG-II: Eligible for 3% subsidy on loan up to ₹12 lakh.
The subsidy amount is credited directly to the borrower’s loan account, thereby reducing the EMI burden.
Key Advantages of Applying Online
- No Middlemen – Apply directly via official portal.
- Quick Approval – Digital verification of documents.
- Transparency – Real-time status tracking.
- Wider Reach – Available across states through central and state housing boards.
Final Thoughts
Owning a home is a dream for millions of Indian families, and the Rajiv Gandhi Housing Scheme makes this dream achievable. With interest subsidies, easy loan access, and online application, the scheme provides affordable housing opportunities to those who need it most.
If you are eligible, don’t delay—apply online today and secure your family’s future with a safe and permanent home.
FAQs on Rajiv Gandhi Housing Scheme
1. Who can apply for the Rajiv Gandhi Housing Scheme?
Any Indian citizen belonging to EWS, LIG, or MIG income groups, and not owning a pucca house, can apply.
2. What is the subsidy amount under the scheme?
The subsidy ranges from 3% to 6.5% depending on the applicant’s income category.
3. Is it mandatory for women to be co-owners of the property?
Yes, in certain categories, at least one female member of the family must be the property co-owner.
4. How can I check the status of my application?
You can check status online using your Application ID, Aadhaar Number, or Mobile Number on the official portal.
5. Can I apply if I already own a house?
No, the scheme is only for first-time homeowners who do not own a permanent house anywhere in India.
6. Are tax benefits available under the scheme?
Yes, applicants can also claim tax benefits on home loan repayment under sections 80C and 24(b) of the Income Tax Act.
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