07 APRIL, 2023

Every Indian aspires to own a home of their own but increasing real estate costs makes this quite a task. To help individuals combat these financial issues, the government of India has introduced several schemes under the Pradhan Mantri Awas Yojna. This scheme, which tries to give affordable housing options to all, includes the Maharashtra Housing and Area Development Authority- MHADA lottery method.

What is the MHADA lottery scheme?

The Maharashtra Housing and Area Development Authority (MHADA) is responsible for building residential homes under various housing schemes for different social segments.

Maharashtra Housing and Area Development Authority was established in the year 1977 to benefit individuals with low-income levels. The scheme targets -

  • Economically Weaker Sections (EWS)
  • Lower Income Groups (LIG)
  • Middle-income Groups (MIG)
  • Higher Income Groups (HIG)

Prime objectives of introducing the MHADA lottery scheme:

The MHADA intends to offer affordable housing options; this lottery scheme offers over 1,300 low-cost housing units. MHADA's full form is Maharashtra Housing and Area Development Authority (MHADA); it is a big part of the housing industry.

Under MHADA, approximately 7.50 Lakh families in the state over the past seven decades, including 2.5 lakhs in Mumbai alone, got affordable homes.

Vision and mission of MHADA:

  • To build quality oriented and value-driven homes at reasonable costs
  • Housing for individuals in various economic brackets
  • To uplift people and commit to providing housing to all

How is Maharashtra Housing and Area Development Authority (MHADA) related to Pradhan Mantri Awas Yojana (PMAY):

The Pradhan Mantri Awas Yojana (PMAY) scheme targets a particular portion of Maharashtra Housing and Area Development Authority's (MHADA) residential units. Depending on the applicant's income group, the PMAY scheme allows them to receive an interest subsidy of up to Rs. 2.67 Lakh.

A limited number of people apply for the MHADA scheme through PMAY, leaving more units under the PMAY plan unoccupied in the MHADA home projects. This ensures the interest subsidy and possible chances of winning the lottery. By completing your application process through PMAY, you can save more money on your home purchase.

Areas covered under MHADA:

Only a few specific locations, including Andheri, Chandivali, Goregaon, Chembur, Borivali, Ghatkopar, Kandivali, Dahisar, Jogeshwari, Kurla, Korekalyan Santacruz, Malad, Mankhurd, Powan, Sion, Wadala, and Mulund, are subject to the Maharashtra Housing and Area Development Authority's scheme.

Who can avail MHADA?

Age criteria: The applicant should be an adult aged more than 18 years

Identity verification: A resident who has lived in Maharastra for more than 15 years and has never previously owned a home under the Maharashtra Housing and Area Development Authority may apply for the lottery scheme with legit identification proofs.

Income: The MHADA lottery's eligibility requirements are broken down by applicants' income levels.

  • If an applicant's income ranges between Rs. 25,001 and Rs. 50,000, they can apply for a Lower Income Group (LIG)
  • If an applicant's income ranges between Rs. 50,001 and Rs. 75,000, they can apply for Middle Income Group (MIG)
  • If an applicant's income ranges over Rs. 75,000, they can apply for a Higher Income Group (HIG)

Pricing of MHADA Flats:

According to the different income classes, there are set rates for all the residential units offered under the Maharashtra Housing and Area Development Authority. These prices are listed as follows:

  • A fixed price for Economically Weaker Sections (EWS) applicants: Up to Rs. 20 lakh
  • A fixed price for Lower Income Group (LIG) individuals: ranges between Rs. 20 lakh - Rs. 30 lakh
  • A fixed price for Middle Income Group (MIG) individuals: ranges between Rs. 35 lakh - Rs. 60 lakh
  • A fixed price for Higher Income Group (HIG) applicants: Between Rs. 60 lakh - Rs. 5.8 Crore


How Easy it is to apply MHADA & its process

Follow these instructions to register for the MHADA lottery and login if you're interested in owning your dream home from the MHADA lottery.

Step 1: Go to https://lottery.mhada.gov.in/ to access the MHADA Lottery website

Step 2: To register for the MHADA lottery, you must create your username and fill out the MHADA form with the necessary information

Step 3: Pay the application fee online using net banking, a debit or credit card or a demand draft (DD)

Step 4: Once the authority reveals the lottery winners, visit the MHADA website to confirm your winnings

Step 5: Your money will be reimbursed to your bank account if you are not chosen on the MHADA home lottery

Documentation required to apply for MHADA

The applicant will need to provide some of the following paperwork to apply for the lottery scheme: PAN card, Domicile certificate, Birth certificate, Aadhaar card, Driver's license, Passport, and Voter ID.

Can the common people rent a unit at MHADA? MHADA flat owners are allowed to rent out their apartment during the five years following the date of purchase, but they cannot sell it.

If you are looking to apply to the MHADA lottery, Here's your turn:

Registration for the Maharashtra Housing and Area Development Authority lottery in 2023 begins on January 5 at 11 am. The new MHADA lottery participation policy states that applicants only need MHADA registration once to participate in any MHADA board's lottery.

It is anticipated that the MHADA lottery will have around 4,000 units in 2023. If you are looking forward to applying for the MHADA registration 2023, keep yourself updated with notifications from the authority.

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Disclaimer: This Article is for information purpose only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank make no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.