Rajiv Gandhi Housing Scheme Karnataka 2025: Get Government Subsidy to Build Your Dream Home!

The Karnataka Government is actively working toward providing affordable housing to economically weaker sections of society through its flagship initiative – the Rajiv Gandhi Rural Housing Corporation Limited (RGRHCL), popularly known as the Rajiv Gandhi Housing Scheme. This scheme is a major step under the Affordable Housing for All mission and provides financial assistance and subsidies to house builders across the state.

In this article, you’ll learn about the benefits, eligibility criteria, how to apply, and the subsidy amount under the Rajiv Gandhi Housing Scheme. If you’re planning to build a house in Karnataka, especially in rural areas, this scheme could significantly reduce your financial burden.

📌 What is Rajiv Gandhi Housing Scheme?

The Rajiv Gandhi Housing Scheme, implemented by RGRHCL, is aimed at providing pucca houses to the economically weaker sections (EWS), Scheduled Castes (SC), Scheduled Tribes (ST), and Below Poverty Line (BPL) families in rural and urban Karnataka.

This initiative ensures financial support to help eligible beneficiaries construct new houses or improve existing ones. The government provides a direct subsidy that enables thousands of families to own a safe and secure home.

💰 Subsidy Amount under Rajiv Gandhi Housing Scheme

The Karnataka government provides a subsidy of up to ₹1.75 lakh to ₹2.00 lakh for eligible beneficiaries to construct houses under this scheme. The subsidy amount varies depending on the category and type of scheme:

Basava Vasati Yojana (Rural): ₹1.75 lakh subsidy for construction.
Dr. B.R. Ambedkar Nivas Yojana (SC/ST): Up to ₹2.00 lakh subsidy.
Ashraya Scheme (Urban Poor): ₹2.00 lakh subsidy for urban areas.

This subsidy is directly transferred to the beneficiary’s bank account in multiple installments after verification and approval of the construction stages.

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🧾 Eligibility Criteria for Rajiv Gandhi Housing Scheme

To qualify for the subsidy, applicants must meet the following conditions:

Must be a resident of Karnataka.
Should belong to BPL, SC/ST, or EWS category.
The applicant must not own a pucca house.
Land should be in the name of the applicant or a legal heir.
Annual family income should not exceed ₹32,000 (rural) or ₹64,000 (urban).
Valid Aadhaar card, Ration card, and income certificate are required.

📑 Documents Required

To apply for the housing subsidy, keep the following documents ready:

Aadhaar Card
Ration Card
Caste Certificate
Income Certificate
Recent Passport Size Photo
Copy of Land Records/RTC
Bank Passbook (for DBT)
Affidavit declaring no house ownership

🖥️ How to Apply for Rajiv Gandhi Housing Scheme Online?

The online application process is simple and accessible to everyone. Follow these steps:

Step 1: Visit the Official Website

Go to the official portal of Rajiv Gandhi Rural Housing Corporation Limited (RGRHCL):
🔗 https://ashraya.karnataka.gov.in

Step 2: Select the Housing Scheme

Choose the appropriate scheme from the list such as Basava Vasati Yojana, Dr. B.R. Ambedkar Nivas, or Ashraya Scheme.

Step 3: Fill in the Application Form

Provide accurate details like your name, Aadhaar number, income details, and land records.

Step 4: Upload Documents

Scan and upload all required documents in the prescribed format.

Step 5: Submit and Track

Submit the form and note the application number for tracking purposes. You can track your application status anytime from the portal.

🏗️ Construction & Fund Disbursement

Once approved, beneficiaries receive the subsidy in 3 to 4 installments, depending on the construction stages:

First Installment: After foundation level is completed
Second Installment: After walls and roofing
Final Installment: After full construction and inspection

Officials from the Panchayat or Urban Development Authority will physically verify and geo-tag the site before releasing each installment.

🌍 Advantages of the Rajiv Gandhi Housing Scheme

✅ Direct Benefit Transfer (DBT) ensures transparency.
✅ Reduces the burden of house construction costs.
✅ Promotes safe and dignified living for the rural and urban poor.
✅ Boosts employment and infrastructure in rural areas.
✅ Empowers marginalized communities with asset creation.

📝 Apply Link for Housing Scheme in Karnataka

➡️ Apply here: https://ashraya.karnataka.gov.in

Alternatively, you can visit your Gram Panchayat office or municipal office for offline application support.

🔚 Conclusion

The Rajiv Gandhi Housing Scheme 2025 is a golden opportunity for economically weaker sections in Karnataka to build their own homes with government subsidy. With subsidies up to ₹2 lakh, transparent DBT system, and hassle-free online application, this scheme is designed to uplift the lives of thousands of families.

Don’t miss out – apply now and secure your future with a home you can call your own.