Rajiv Gandhi Housing Scheme 2025: Online Application, Eligibility, Subsidy & Benefits Explained

Introduction

Owning a house is still a dream for millions of families in India. To support this mission, the Rajiv Gandhi Housing Scheme 2025 has been introduced to provide affordable housing for low-income and middle-income families. This government-backed scheme focuses on offering financial assistance, housing subsidies, and simplified loan facilities to ensure every Indian has access to a safe and secure home.

In this article, we will cover everything you need to know about the Rajiv Gandhi Housing Scheme 2025, including eligibility criteria, online application process, subsidy details, and major benefits.

What is the Rajiv Gandhi Housing Scheme 2025?

The Rajiv Gandhi Housing Scheme (RGHS) 2025 is a government initiative designed to promote affordable housing for the economically weaker section (EWS), low-income groups (LIG), and middle-income groups (MIG). The scheme aims to:

• Provide subsidized housing loans for home construction or purchase.
• Ensure access to urban and rural housing with modern facilities.
• Support the government’s “Housing for All by 2030” mission.

Key Features of the Rajiv Gandhi Housing Scheme 2025

The scheme comes with several features that make it one of the most popular housing assistance programs in India:

• Interest Subsidy: Eligible beneficiaries can avail interest subsidy on home loans.
• Affordable Housing Units: The scheme promotes the construction of budget-friendly houses in both urban and semi-urban areas.
• Priority to Women & Marginalized Groups: Female applicants, SC/ST, OBC, and differently-abled persons are given preference.
• Eco-Friendly Homes: Many housing projects under this scheme promote sustainable and eco-friendly construction.

Eligibility Criteria for Rajiv Gandhi Housing Scheme 2025

To apply for the Rajiv Gandhi Housing Scheme, applicants must meet certain requirements:

1. Income Criteria

• EWS (Economically Weaker Section): Annual household income up to ₹3,00,000.
• LIG (Low-Income Group): Annual household income between ₹3,00,001 and ₹6,00,000.
• MIG-I & MIG-II (Middle-Income Groups): Annual income between ₹6,00,001 and ₹18,00,000.

2. Other Eligibility Conditions

• The applicant or their family must not own a pucca house anywhere in India.
• The applicant must be an Indian citizen above 18 years of age.
• Priority is given to women applicants and families with senior citizens.

Online Application Process for Rajiv Gandhi Housing Scheme 2025

Applying for the scheme is simple and can be done online. Follow these steps:

1. Visit the Official Portal – Official Link Go to the state government or housing department’s official website.
2. Register as a New User – Enter your name, Aadhaar number, mobile number, and email ID.
3. Fill the Application Form – Provide personal details, income proof, and housing requirements.
4. Upload Documents – Submit Aadhaar card, income certificate, domicile proof, bank details, and recent passport-size photograph.
5. Submit Application – After verification, a unique application ID will be generated for tracking.
6. Selection & Allotment – Eligible applicants will be shortlisted, and houses will be allotted based on availability.

Documents Required

• Aadhaar Card
• Voter ID or PAN Card
• Domicile Certificate
• Income Certificate
• Bank Account Details
• Recent Passport Size Photograph

Subsidy & Financial Benefits

One of the biggest advantages of the Rajiv Gandhi Housing Scheme 2025 is the Credit-Linked Subsidy (CLSS) on housing loans.

• EWS/LIG: Interest subsidy up to 6.5% for loans up to ₹6 lakh.
• MIG-I: Interest subsidy of 4% for loans up to ₹9 lakh.
• MIG-II: Interest subsidy of 3% for loans up to ₹12 lakh.

This significantly reduces the EMI burden for homebuyers, making home ownership more affordable.

Major Benefits of the Rajiv Gandhi Housing Scheme 2025

1. Affordable Housing: Subsidized loans and reduced EMIs make home ownership easier.
2. Support for Women Applicants: Encourages women to apply as homeowners.
3. Focus on Rural & Urban Development: Covers both urban and semi-urban regions.
4. Financial Inclusion: Promotes access to institutional housing finance for weaker sections.
5. Eco-Friendly Construction: Many projects emphasize sustainable development.

How to Check Application Status

• Visit the official housing scheme website.
• Click on “Application Status”.
• Enter your Application ID/Aadhaar number.
• The system will display your current status (Approved, Pending, or Under Verification).

FAQs on Rajiv Gandhi Housing Scheme 2025

1. Who can apply for the Rajiv Gandhi Housing Scheme 2025?

Any Indian citizen from EWS, LIG, or MIG categories who does not own a pucca house can apply.

2. What is the maximum subsidy available under this scheme?

Eligible applicants can avail subsidy of up to ₹2.67 lakh depending on their income group.

3. Can women apply individually for this scheme?

Yes, women applicants are given priority and can apply individually or jointly.

4. Is there any age limit to apply?

Applicants must be above 18 years of age. There is no upper age limit, but the loan tenure may depend on age.

5. How can I track my application?

You can track your application using the application ID or Aadhaar number on the official portal.

6. Are government employees eligible?

Yes, government employees can also apply if they fall under the prescribed income categories.

Final Words

The Rajiv Gandhi Housing Scheme 2025 is a life-changing initiative for families aspiring to own a home. With subsidized loans, easy eligibility, and financial support, the scheme is designed to empower economically weaker and middle-income households. By applying online with the required documents, families can take a big step toward securing a safe, affordable, and permanent house for their future.

If you are planning to buy or construct a house in 2025, this scheme can help you save lakhs and fulfill your dream of homeownership.