Karnataka Housing Subsidy 2026 – Get ₹8 Lakh for SC/ST & ₹5 Lakh for OBC/General Families

Owning a home is a dream for millions of families across India. In 2026, the Government of Karnataka has strengthened its efforts to help low-income, backward class families make this dream a reality. Under various housing support programs, eligible families can receive significant financial subsidies—up to ₹8 lakh for SC/ST households and up to ₹5 lakh for OBC and General category applicants—to build or renovate their homes. These subsidies bring relief from financial stress and help improve living standards for vulnerable communities.

In this detailed guide, you will learn how the subsidy works, eligibility requirements, necessary documents, step-by-step application instructions, benefits, and where to apply online officially.

What Is the Karnataka Housing Subsidy (2026)?

The Karnataka Housing Subsidy 2026 is a government-led initiative that provides financial assistance to citizens who want to build a safe and permanent home but lack the funds to do so. This subsidy scheme is part of broader state and central housing programs that aim to make housing affordable and accessible to economically disadvantaged families, especially in rural and urban areas.

Under the scheme:

• SC/ST families can get up to ₹8 lakh in subsidy support.

• General and OBC families can receive up to ₹5 lakh, depending on income and category.

• Subsidy is directly transferred to the beneficiary’s bank account through Direct Benefit Transfer (DBT) after approval.

These funds can be used to construct a new house, expand an existing structure, or undertake essential repairs depending on the scheme you apply under.

How Does the Subsidy Work?

The subsidy is not a loan you have to pay back. It is financial support given by the government to reduce the total cost of house construction or improvement. Once your application is approved and verified, the subsidy amount is credited directly to your linked bank account.

In most cases, the subsidy funds are released in stages as construction progresses:

1. First installment after initial approval and land verification.

2. Second installment after partial construction (e.g., walls and roof).

3. Final installment when the house construction is complete.

This phased transfer ensures funds are used only for housing purposes and helps beneficiaries monitor progress more responsibly.

Who Is Eligible for the Karnataka Housing Subsidy?

To qualify for this subsidy, you must meet specific eligibility criteria set by the Karnataka government. These criteria ensure only deserving families receive the benefit. While detailed rules may vary slightly by scheme, the basic eligibility is as follows:

1. Residency

• The applicant must be a permanent resident of Karnataka.

• Proof of residence such as domicile or voter ID is typically required.

2. Caste or Category

• SC/ST families are eligible for the highest subsidy amount (up to ₹8 lakh).

• OBC and General categories are eligible for up to ₹5 lakh in support.

3. Income Limits

• Your family income must fall within prescribed limits as defined under the respective schemes (often aligned with EWS/LIG criteria).

• Income certificates are required for verification.

4. No Pucca House Ownership

• The applicant must not own a permanent (pucca) house anywhere in India.

• This ensures support reaches families without adequate housing.

5. Land Ownership or Valid Site

• You must either own land or have a valid sanctioned site where the house will be constructed.

• Proof of land ownership or legal site document is essential.

6. Aadhaar and Bank Linking

• Aadhaar card and bank account must be linked to receive direct benefit transfer.

• Your Aadhaar should match the name and details in your application.

Documents Required for Application

Prepare clear and readable copies of the following documents before you start the application process:

✔ Aadhaar Card (for identity verification)
✔ Caste Certificate (for SC/ST/OBC applicants)
✔ Income Certificate (to prove income status)
✔ Residence Proof (Domicile, voter ID, etc.)
✔ Land Ownership or Site Document
✔ Bank Passbook / Bank Details
✔ Passport-size Photographs
✔ Any other documents as required by the specific housing scheme

Having these documents ready makes the process smoother and speeds up verification.

How to Apply Online (Step-by-Step)

You can apply for the Karnataka Housing Subsidy 2026 through the official government housing portals. Below is a simple step-by-step process to help you complete your online application:

Step 1 — Visit the Official Housing Website

Go to the official Karnataka housing board or housing corporation portal.
➡️ Apply Online: https://ashraya.karnataka.gov.in (Official portal for housing assistance and subsidy schemes)

Step 2 — Log In or Register

If you are a new user, create an account using your Aadhaar number and mobile number. Existing users can log in directly.

Step 3 — Start a New Application

Select the relevant housing scheme from the available options (such as Basava Vasati Yojana, Ambedkar Housing Scheme, or others that include subsidy support).

Step 4 — Fill in Personal Details

Enter your name, contact details, caste category, income, land information, and other personal details accurately.

Step 5 — Upload Required Documents

Upload all required documents as per the format and size guidelines.

Step 6 — Review and Submit

Double-check all entered details and submitted documents. Once confirmed, submit your application.

Step 7 — Track Your Application

After submission, you will receive an application number. You can use this number to track the status of your application online.

How Verification and Selection Works

Once you submit your online application, it goes through multiple verification stages:

1. Initial Verification — Government officials check your documents and eligibility details.

2. Local Authority Check — Local bodies (like Gram Panchayat or Urban development officers) verify land ownership, income, and residence.

1. Final Approval — After successful verification, your application is approved and included in the beneficiary list.

2. Subsidy Transfer — The approved subsidy amount is released in stages directly to your bank account via DBT.

Priority is typically given to the most vulnerable families, such as those who are homeless, widowed, differently-abled, or from SC/ST categories, but other eligible applicants are also supported.

Benefits of the Karnataka Housing Subsidy

Receiving this housing subsidy can dramatically reduce the financial burden of owning a home. Here’s how beneficiaries benefit:

🏠 Lower Construction Costs – Subsidy covers a large portion of expenses.
💰 Direct Benefit Transfer – Money goes straight into your bank account.
🏡 Permanent Housing – Enables construction of pucca houses.
📈 Improved Living Conditions – Better homes enhance safety and quality of life.
💪 Supports Urban and Rural Families – Helps both city dwellers and villagers.

For many low and middle-income families, this subsidy makes owning a safe and stable home possible, even when personal savings are limited.

Conclusion — A Life-Changing Opportunity for Housing

The Karnataka Housing Subsidy 2026 is one of the most impactful welfare initiatives for families dreaming of their own home. With up to ₹8 lakh for SC/ST families and ₹5 lakh for OBC and General categories, the government is extending meaningful support that can help reduce poverty and uplift living standards.

To turn your housing dream into reality, be sure to check your eligibility, gather all documents, and apply through the official portal:

Apply link

Remember, accurate details and genuine documents can speed up verification and help secure subsidy approval faster.