MHADA Lottery Scheme 2022: Eligibility, Documents And Online Registration Process

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MHADA or Maharashtra Housing and Area Development Authority is a housing scheme that allows the residents of Maharashtra to get access to residential properties at affordable rates. However, the candidates eligible for this scheme are decided by a lottery scheme. Here are all the details about the MHADA lottery – what is this scheme about, benefits, eligibility, documents required, how to register and more. Read on! 

What is the MHADA Lottery Scheme?

Maharashtra Housing and Area Development Authority offers the MHADA lottery scheme under the Central government’s ambitious Pradhan Mantri Awas Yojana (PMAY). It aims to provide affordable housing units to individuals of different income groups across Maharashtra. 

These low-cost homes are allocated through a computerised lottery scheme. Under the MHADA scheme, applicants are segregated on the basis of their annual incomes. The price of housing units under this scheme ranges between Rs.14.6 lakhs and Rs.5.8 crores. Notably, the costs of these units are around 30% to 40% lower than the current market rate. However, the cost of your residential unit will depend on which income group you belong to. 

Objectives of MHADA Lottery

The principal objective of the MHADA scheme is social upliftment by providing quality housing facilities. With the ever-increasing industrialisation, the demand for affordable housing has increased manifolds. MHADA lottery targets people who would have shifted to the rural areas for obtaining better education, employment and an overall better standard of living.   

The main responsibility of the concerned housing board was to allot and maintain these housing colonies. To cope with the population explosion and rapid urbanisation, the Government of Maharashtra aimed to provide continuous water supply, drainage, street lights, and public toilets. As a part of a comprehensive approach to solving the potential problems, MHADA initiated the slum improvement programme and took various measures for the general upliftment of living standards across seven locations in Maharashtra.

Benefits of MHADA Lottery

The MHADA lottery scheme has provided affordable housing facilities for residents of Maharashtra at a discounted rate. Some of the principal benefits are:

1. The housing units available across Maharashtra can be obtained at a rate ranging from Rs. 15.35 lakh to Rs. 1.42 crore. The state government is planning to step in and provide further tax deductions and subsidies. 
2. MHADA targets middle and lower-income group households. About 70% of the residences are reserved for the low-income groups whereas more than 20% are strictly reserved for economically weaker sections. 
3. The scheme covers every nook and corner of Mumbai and beyond. It covers important locations like Andheri, Goregaon, Borivali, Kandivali, Dahisar, Jogeshwari, Kurla, Powan, Wadala, etc. 
4. Potential buyers can take housing loans for purchasing these properties. Housing loans range from Rs. 2,00,000 to Rs. 5,00,00,000 with affordable interest rates and tenure of up to 30 years. 

MHADA Lottery Eligibility Criteria

If you are willing to purchase an affordable residential unit under the MHADA lottery scheme, you should be aware of the eligibility requirements first. These include the following: 

• You should possess a domicile certificate to prove that you have been a resident of Maharashtra for at least 15 years.
• The minimum age should be 18 years. 
• You should be a salaried individual. 
• You should have a PAN card.
• This scheme also requires you to provide income proof for the current financial year. The authority will use this information to segregate applicants based on their income groups. 

The following table shows the kind of property you are eligible for depending on your income:

Types of Lottery Under the MHADA Scheme

MHADA offers lottery schemes for affordable housing facilities across Maharashtra. Some noteworthy lottery types offered by MHADA are as follows:

• MHADA Konkan Lottery
• MHADA Mumbai Board Lottery
• MHADA Pune Lottery
• MHADA Aurangabad Lottery
• MHADA Nashik Lottery Housing Scheme
• MHADA Nagpur Lottery Housing Scheme
• MHADA Amravati Lottery Housing Scheme

The MHADA aims to launch additional schemes for multiple locations across Maharashtra. With the growing demand for residential areas, the MHADA wants to build 7,000-10,000 houses in the next two years. 

Documents Required for MHADA Lottery Scheme

You need to have certain necessary documents handy if you want to buy a residential property under the MHADA scheme.  Here are the documents needed to be eligible for the MHADA lottery scheme: 

• Aadhaar card
• PAN card 
• Domicile certificate
• Cancelled cheque
• Passport size photos
• Contact information
• Income proof documents
• Birth certificate 

Distribution of Flats under the MHADA Lottery Scheme 

The MHADA flat distribution scheme holds the lottery at a particular date and the stakeholders learn the details of flat availability. The schemes include PMAY Homes, MHADA Housing Scheme, First Come First Served and all-inclusive schemes.  

MHADA Lottery Boards List

The MHADA has several housing boards across Maharashtra. Each of these boards is further divided according to their locations. The key housing boards operating under the MHADA Lottery Scheme are as follows:

• MHADA Mumbai Lottery Housing Scheme offering affordable housing options in Mumbai Metropolitan Region (MMR) and Navi Mumbai
• MHADA Konkan Lottery Housing Scheme offering affordable housing options in the Konkan region, Mumbai Metropolitan Region (MMR), Navi Mumbai, Thane, Mira Road, Vasai, Ghansoli, etc.
• MHADA Pune Lottery Housing Scheme offering affordable housing options in Mahalunge, Morgaon Pimpri, Lohegaon, Baner, Pimple Nilakh and Punawale, etc. 
• MHADA Aurangabad Lottery Housing Scheme offering affordable housing options in Satara, Hingoli, Aurangabad, etc. 
• MHADA Amravati Lottery Housing Scheme
• MHADA Nashik Lottery Housing Scheme
• MHADA Nagpur Lottery Housing Scheme

Prices of Units 

MHADA has fixed the cost of residential units under each income category. The prices of flats are as follows: 

• The units for EWS applicants will cost below Rs.20 lakh. 
• Residential properties for LIG applicants will range between Rs.20 lakh and Rs.30 lakh.
• Units for MIG applicants will cost between Rs.35 lakh to Rs.60 lakh.
• Those properties earmarked for HIG applicants will cost anywhere between Rs.60 lakh and Rs.5.8 crore.

If you are planning to purchase a residential property under the MHADA lottery scheme, you can avail a home loan from Navi for the same. Navi provides big-ticket home loans of up to Rs.10 crore at highly competitive interest rates starting from 7.39% per annum. Moreover, borrowers can opt for a repayment tenure of up to 30 years. To apply for a home loan, you can download the Navi app now. 

Also Read: How To Get Rs. 10 Lakh Home Loan: EMI Calculator & Interest Rate

How To Register For MHADA Lottery Scheme Online?

The authorities will hold the MHADA lottery for 2023 in 2022, under which over 3,000 residential units will be provided to eligible applicants. The units will be available in the Pahadi region of Goregaon. 

If you are interested in buying a residential unit, you have to register for it online. Here is a step-by-step guide to MHADA lottery registration process for 2022: 

Step 1: Registration

• First, visit the official website of the MHADA (Maharashtra Housing and Area Development Authority).
• Now, click on the ‘Register’ option, and create your own account. 
• Provide all relevant details along with your mobile number. You will receive an OTP. 
• Enter this OTP and confirm your registration. 

The process to MHADA lottery registration will be complete. 

Step 2: Fill Out The Lottery Form

Once you complete the registration process, you have to fill out the application form for the MHADA lottery. You have to provide all the following details in this form: 

• Name of the applicant
• PAN card details
• Monthly income details
• Personal details of the applicant
• Contact information
• Bank account details

After this, upload all the necessary documents in JPEG format and in the mentioned dimensions. Provide all other details in the relevant spaces and click on the ‘Submit’ button. 

Step 3: Payment

Now, you need to pay the registration fee. You can pay the charge through net banking, UPI, debit card or credit card. Make sure to take a printout of the acknowledgement slip along with the online application form.

Also Read: 7 Affordable Housing Schemes in India: Benefits And Eligibility

Helpline Assistance for MHADA Lottery

MHADA’s official website contains all the important contact details. If you are willing to learn more about the scheme or have queries, you can directly connect with the authority board, individual lottery boards and control room. The contact details are as follows: 

Final Word

If you are selected in the MHADA lottery 2022, you will be allotted a residential unit according to your income. However, if you are not selected, the government will refund your registration fees. You can refer to the above-mentioned guide about MHADA lottery scheme details to know more about this housing scheme. 

FAQs on MHADA Lottery

Before you go…

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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.