Home Rajiv Gandhi Housing Scheme Karnataka 2025: Complete Details, Eligibility & Application Process

Affordable housing remains one of the biggest dreams for thousands of families in Karnataka. To make this dream a reality for economically weaker households, the Government of Karnataka launched the Rajiv Gandhi Housing Scheme, managed by Rajiv Gandhi Housing Corporation Limited (RGHCL). This housing mission aims to provide permanent, safe, and affordable houses to poor families across Karnataka, especially those belonging to rural and socio-economically backward communities.

This article provides a complete 1000-word guide: scheme overview, benefits, eligibility criteria, required documents, online application steps, offline application format, and hashtags.

⭐ What is the Rajiv Gandhi Housing Scheme?

The Rajiv Gandhi Housing Scheme (RGHS) is a subsidised housing program implemented under RGHCL with financial partnership from both the State Government and Central Government. It mainly covers:

• Basava Vasati Yojana
• Dr. B.R. Ambedkar Nivas Scheme
• Ashraya Housing Scheme
• Chief Minister’s One Lakh Housing Scheme

The major objective is to provide houses to poor, houseless, and landless families by offering construction subsidies, guidance, and monitoring support.

🎯 Main Objectives

• To support economically weaker families to build their own pucca house
• To uplift rural and urban poor families
• To promote women’s empowerment by issuing house ownership in the woman’s name
• To eradicate homelessness in Karnataka
• To ensure safe, durable housing with sanitation and electricity

🏠 Key Features & Benefits of the Scheme

✔ 1. Government Subsidy

Beneficiaries receive financial assistance between ₹1.20 lakh to ₹1.75 lakh, depending on the scheme, caste category, and housing type.

✔ 2. Priority to Vulnerable Groups

Special preference is given to:

• SC / ST families
• Widows
• Physically challenged individuals
• Single women headed households
• Homeless families

✔ 3. Houses in the Name of Women

Most schemes encourage houses to be registered in the name of women family members, ensuring long-term security.

✔ 4. Transparent Online Selection

Applicants are selected through the online beneficiary management system of RGHCL, ensuring fair, corruption-free allotment.

✔ 5. Assistance for New House Construction

The scheme supports construction of new houses on the beneficiary’s own land.

✔ 6. Technical Guidance

Government engineers assist beneficiaries in planning, estimating material costs, and ensuring safe construction.

📌 Eligibility Criteria

To apply for Rajiv Gandhi Housing Scheme in Karnataka, the applicant must fulfill the following conditions:

• Must be a permanent resident of Karnataka
• Must belong to Below Poverty Line (BPL) or economically weaker group
• Must not own a pucca house either in rural or urban areas
• Applicant must possess own land (even a small site is enough)
• Annual income should usually be below ₹32,000 for rural and ₹1,00,000 for urban areas
• Preference is given to SC/ST, widows, physically challenged, and minority communities

📄 Required Documents

Applicants must submit the following documents while applying:

1. Aadhar Card
2. Ration Card (BPL/APL)
3. Income Certificate
4. Caste Certificate (if applicable)
5. Residence Certificate
6. Land ownership documents (RTC / Pahani / Site deed)
7. Bank passbook copy
8. Photograph of applicant
9. Mobile number
10. Self-declaration form

🌐 How to Apply Online for Rajiv Gandhi Housing Scheme?

Follow the step-by-step online application process:

Step 1: Visit Official Website

Go to the RGHCL portal:
https://ashraya.karnataka.gov.in (Do not type URL here—just for user guidance)

Step 2: Select Application Type

Choose the scheme you want to apply for:

• Basava Vasati
• Ambedkar Housing
• CM Housing Scheme
• Rural Housing

Step 3: Create Login

Enter your mobile number → receive OTP → verify your account.

Step 4: Fill Applicant Details

Provide:

• Name
• Age
• Address
• Aadhaar
• Caste
• Annual income

Step 5: Upload Documents

Upload scanned copies of land documents, ID proof, and income certificate.

Step 6: Submit House Construction Details

Provide information such as plot measurement and house type.

Step 7: Final Submission

Click Submit → download acknowledgment slip.

Step 8: Application Verification

Your application will be verified by:

• Panchayat Development Officer (PDO)
• Municipal officials
• RGHCL District Committee

Step 9: Final Selection

Final list will be published on the official portal.

📥 Offline Application Format (Sample)

Below is a simple application format you can submit at Gram Panchayat / Municipal Office.

Application Format for Rajiv Gandhi Housing Scheme

To  
The Panchayat Development Officer / Municipal Officer  
[Village/Town Name]  
[District] – Karnataka  

Subject: Request for Housing Assistance under Rajiv Gandhi Housing Scheme

Respected Sir/Madam,  

I, [Applicant Full Name], residing at [Address], belong to a poor family and do not have a permanent house. I kindly request you to consider my application for a housing unit under the Rajiv Gandhi Housing Scheme.

Applicant Details:
• Name: _________________________  
• Father/Husband Name: __________________  
• Age: __________  
• Category: SC / ST / OBC / Minority / General  
• Aadhaar Number: __________________  
• Ration Card Number: ________________  
• Annual Income: ____________________  
• Land Details (Survey No/Plot No): ______________________  
• Mobile Number: ____________________  

List of Documents Attached:
1. Aadhaar card  
2. Ration card  
3. Income certificate  
4. Caste certificate  
5. Land documents  
6. Passport size photo  

I request you to kindly verify my details and approve my housing assistance.

Thanking you,

Signature: ___________________  
Name: _______________________  
Date: ________________________  

🧱 How Beneficiaries Receive Money?

Housing subsidy is released in 3 installments:

1. 1st Installment – after site verification
2. 2nd Installment – after foundation construction
3. 3rd Installment – after roof completion

Money is directly transferred to the beneficiary’s bank account.

⚠ Important Tips for Applicants

• Use only your own mobile number during registration
• Check for Gram Panchayat notice boards for new beneficiary lists
• Keep all land records updated before applying
• Upload clear scanned documents to avoid rejection

Application Link

 Conclusion

The Rajiv Gandhi Housing Scheme in Karnataka is a life-changing opportunity for thousands of families who dream of owning a secure, permanent home. With proper eligibility, accurate documentation, and timely application, every poor family can benefit from this government initiative.