Karnataka One Lakh Housing Scheme: Complete Guide to Eligibility & Application in 2025

There's a big demand for affordable homes in India, and the Karnataka government is trying hard to help with some great programs. One example is the Karnataka One Lakh Housing Scheme, also called the Chief Minister’s Multi-Storeyed Housing Scheme. Its main aim is to give affordable housing to people with lower incomes in cities, especially near Bengaluru and fast-growing spots under the Yamuna Expressway Industrial Development Authority (YEIDA).

This simple guide explains everything that first-time and low-income homebuyers should know about this plan in 2025—who can apply, how to apply, what you get, what papers you need, how construction is going, and what might happen later. This blog has sections, tables, common questions, and a summary at the end, so it’s easier for those who might benefit and for people in the real estate business to understand.
 

Overview of Karnataka One Lakh Housing Scheme

This program, part of the Central Government's bigger Pradhan Mantri Awas Yojana (PMAY) and run by Karnataka State, wants to:

Give families with less money homes they can pay for that are good quality and good for the environment.

Make city housing better and raise living standards.

Fix the big problem of not enough cheap homes in cities that are quickly growing.

Help people get better lives by ensuring they have a safe place to live.

The program mainly builds apartment buildings for families who qualify, giving them some money to make buying a home easier.

 

Detailed Eligibility Criteria

Criteria	Details
Annual Income	Family income must be less than ₹87,000 (LIG/EWS)
Age Group	Applicant must be at least 18 years old
Residential Status	Permanent resident of Karnataka / residing in Bengaluru for 5+ years
Ownership Status	Applicant/family members must not own a house
Category Reservation	50% General, 30% SC, 10% ST, 10% Minorities
Priority	Urban slum dwellers, economically backward sections

 

Frequently Asked Questions

Q1: Who can get a house through the Karnataka One Lakh Housing Scheme?
Families that make less than ₹87,000 each year, don't already own a home, and meet certain rules about how long they've lived here.

Q2: What kinds of houses are up for grabs?
Mostly apartment buildings with one or two bedrooms and some basic stuff.

Q3: How much money can I get from the government?
Between ₹2.7 to ₹3.5 lakh. The amount depends on how much you earn and where you live.

Q4: How do I apply on the web?
Go to the Ashraya website, upload the papers they ask for, and pay a small fee to apply.

Q5: Are some groups given preference?
Yep, some spots are saved for certain castes, tribes, minority groups, as well as other people.
 

Conclusion

The Karnataka One Lakh Housing Scheme 2025 is offering some real hope for lots of families in Karnataka who don't have much money but want a decent place to live. It's got easy rules, good subsidies, and a simple way to apply. It's really changing the housing game, especially near Bengaluru. If you're buying your first house and you're in a lower income group, this thing can really take the pressure off paying rent. Plus, it allows you to actually own something and set your family up for the future. With Karnataka's cities getting better all the time and some smart new policies, this plan proves that Karnataka is serious about affordable housing and making sure everyone gets a fair shot.