HOUSE Schemes in Karnataka 2025: Government Yojanes for House Construction, Subsidy & Loan Assistance
Are you looking to build or buy a house in Karnataka but worried about the cost? The Government of Karnataka, along with Central Government schemes, provides multiple home construction and subsidy yojanes to help people from rural, urban, low-income, SC/ST, and BPL families.
This guide explains all major home schemes in Karnataka, including eligibility, benefits, required documents, and how to apply online or offline in 2025.
List of Major Government Home Schemes in Karnataka
| Scheme Name | Purpose | Target Group | Subsidy/Benefit |
|---|---|---|---|
| PMAY (Urban & Gramin) | Affordable housing | EWS, LIG, MIG families | Up to ₹2.67 lakh subsidy |
| Basava Vasati Yojana | House construction | BPL, SC/ST in rural Karnataka | Free house or ₹1.5 lakh+ |
| Devraj Urs Housing | Housing for backward classes | OBC/SC/ST | Financial assistance |
| Dr. B.R. Ambedkar Nivas Yojana | Housing for SC/ST families | SC/ST | ₹1.75 lakh+ |
| Ashraya Yojana | Slum rehabilitation and housing | Urban poor | Full home construction |
| Rajiv Gandhi Rural Housing | Rural housing support | BPL families | Up to ₹1.2 lakh |
| CM One Lakh Housing Scheme | Urban housing | Low-income groups | Affordable homes in cities |
PMAY – Pradhan Mantri Awas Yojana (Urban & Gramin)
PMAY is India’s largest affordable housing scheme, covering both urban and rural households.
Features:
- Subsidy up to ₹2.67 lakh under Credit Linked Subsidy Scheme (CLSS)
- Beneficiaries: EWS, LIG, MIG categories
- Priority for women ownership
- Supports new construction, purchase, and renovation
Apply at:
https://pmaymis.gov.in (Urban)
For PMAY-G (Gramin), visit your Gram Panchayat or Taluk office.
Basava Vasati Yojana (2025)
Implemented by the Rajiv Gandhi Housing Corporation Limited (RGHCL), this scheme offers housing aid to rural poor.
Eligibility:
- BPL category applicants
- No existing pucca house
- SC/ST, minority, and backward class applicants are prioritized
Documents Required:
- Aadhaar card, ration card
- Income certificate
- Caste certificate (if applicable)
- Land ownership proof or land lease certificate
Apply at:
https://ashraya.karnataka.gov.in
Submit your form online or through the local Panchayat office.
Dr. B.R. Ambedkar Nivas Yojana
This scheme is exclusively for Scheduled Caste and Scheduled Tribe households.
Benefits:
- Financial support of ₹1.75 lakh
- Meant for house construction on owned land
- Managed by the Social Welfare Department
Application Process:
- Visit your Taluk Social Welfare Office
- Submit documents: caste certificate, RTC copy, income proof
- Online applications are accepted when the government issues a notification
Devraj Urs Housing Scheme
Designed for backward class and minority households.
Benefits:
- Construction or renovation subsidy
- Amount depends on applicant’s income group
Visit the Backward Class Welfare Department portal or office during notification periods to apply.
Ashraya Yojana
This scheme focuses on urban slum redevelopment and low-income housing.
Features:
- Government constructs residential colonies
- Allotted to slum dwellers and urban poor
- Managed by Karnataka Slum Development Board
Applications can be made through the local municipality or city corporation office.
Rajiv Gandhi Rural Housing Scheme
Run by the RGHCL for rural Karnataka residents.
Benefits:
- Up to ₹1.2 lakh assistance for house construction
- Special provisions for SC/ST, disabled persons, widows
Apply through:
Local Gram Panchayat or Taluk Panchayat. Applicants must own the land or show valid lease documents.
CM One Lakh Housing Scheme (Urban Housing)
Aimed at low-income families in cities like Bengaluru, Mysuru, Hubballi, and Mangaluru.
Features:
- Affordable flats or houses starting at ₹5–6 lakh
- Apartments are allotted through a lottery system
- Special preference for women and economically weaker sections
Apply at:
https://ashraya.karnataka.gov.in
Common Documents Required for Home Schemes in Karnataka
| Document | Purpose |
|---|---|
| Aadhaar Card | Identity verification |
| Income Certificate | Proof of BPL or economic status |
| Caste Certificate | For SC/ST/OBC eligibility |
| Ration Card | Family verification |
| RTC / Land Ownership Proof | Required for construction-related schemes |
| Bank Passbook | For direct benefit transfer |
| Recent Passport Photos | For application form |
How to Check Application Status
You can check application and DBT (Direct Benefit Transfer) status on the following portals:
- https://ashraya.karnataka.gov.in – Basava, Ambedkar, CM One Lakh Scheme
- https://pmaymis.gov.in – PMAY Urban
- Visit your local Panchayat or Taluk office for rural scheme status
Use your application number or Aadhaar number to track status online.
Tips to Improve Approval Chances
- Apply during official notification periods only
- Make sure all documents are correct and match in name and address
- Include land or property documents for construction schemes
- Follow up at Panchayat or municipality offices regularly
- Attach bank passbook for faster DBT approval
✅ Apply link ✅
Whether you are in a rural village or an urban area in Karnataka, there are multiple home construction schemes available for you in 2025. From PMAY to Basava Vasati and Ambedkar Nivas Yojana, these government yojanes can help you build a home with minimal or no financial burden.
If you’re eligible, gather the necessary documents, apply through the right portals, and follow up at your local offices. Housing security is now a reality for thousands of families across Karnataka.
Related Articles (for internal links)
- How to Apply for Gruhalakshmi Yojane in Karnataka
- PMAY DBT Status Check Online – Step-by-Step Guide
- How to Check RTC Online Using Dishank App