The Karnataka Government is offering financial support of up to ₹2 lakh for eligible families to construct their own permanent houses under the Ashraya Housing Scheme . This flagship housing initiative aims to support poor, homeless, and economically weaker sections across the state.
If you are planning to build a house and belong to a low-income family, here is the complete information about eligibility, subsidy amount, application process, and benefits.
The Ashraya Housing Scheme , also known as Basava Housing Scheme , is a major social welfare initiative implemented by the Government of Karnataka through Rajiv Gandhi Housing Corporation Limited (RGRHCL).
The main objective of the scheme is to provide financial assistance to homeless families and those living in kutcha (mud) houses so they can construct permanent (pucca) homes.
The scheme aligns with the government’s vision of “Housing for All.”
The scheme primarily supports:
Below Poverty Line (BPL) families
Scheduled Castes (SC)
Scheduled Tribes (ST)
Other Backward Classes (OBC)
Minority communities
Daily wage workers
Urban poor families
Special priority is given to:
Widows
Persons with disabilities
Transgender beneficiaries
Most backward communities
The financial assistance varies based on category and area.
General Category: ₹1.20 lakh
SC/ST Category: ₹1.75 lakh
Financial assistance up to ₹2 lakh
If beneficiaries take a home construction loan, they may receive an interest subsidy of up to 6.5% per annum under central housing support integration such as Pradhan Mantri Awas Yojana (PMAY).
The financial assistance is released in stages to ensure transparency:
First installment – After foundation completion
Second installment – After wall construction
Final installment – After full completion of the house
Funds are transferred directly to the beneficiary’s bank account.
The scheme ensures social justice through category-wise reservations:
SC – 30%
ST – 10%
Minorities – 10%
This helps ensure equal housing opportunities across communities.
To apply for the Ashraya Housing Scheme Karnataka, applicants must:
Be a permanent resident of Karnataka
Be at least 18 years old
Have annual family income below ₹3 lakh
Not own a pucca house in their name
Be homeless or living in an unsafe house
Only one application per family is allowed.
Applicants must submit the following:
Aadhaar Card
Income Certificate
Caste Certificate (if applicable)
Residence Proof
BPL / Antyodaya Ration Card
Passport-size photograph
Labour registration number (if construction worker)
All documents must be valid and updated.
Applications can be submitted both offline and online.
Visit any of the following centers:
Gram Panchayat Office
Bangalore One Center
Karnataka One Service Center
Collect the form, fill in the required details, attach documents, and submit.
Applicants must visit the official website of Rajiv Gandhi Housing Corporation Limited.
Steps include:
Enter district, taluk, and ward details
Provide Aadhaar and ration card information
Enter income and caste certificate details
Verify via OTP
Submit the application
Application status updates are sent via SMS.
Applications are verified by local authorities. Final beneficiary selection is done through:
Gram Sabha (Rural Areas)
Urban Local Bodies (Urban Areas)
The final list is published on the official portal to ensure transparency.
Permanent and secure housing
Improved living standards
Women empowerment (houses often registered in women's names)
Financial stability
Social security for poor families
Providing false information can lead to rejection.
Only one member per family can apply.
Keep documents updated.
Regularly check application status.
Owning a home is not just about shelter — it provides dignity, security, and long-term stability for your family. The Ashraya Housing Scheme offers a valuable opportunity to receive government financial support of up to ₹2 lakh to build your dream home.
If you meet the eligibility criteria, apply at the earliest and secure your family’s future with a permanent house.