In a major push to provide "Homes for All," the Karnataka State Government has rolled out a new Free Housing Scheme 2025 under the Rajiv Gandhi Rural Housing Corporation (RGRHCL). This initiative aims to help poor families and skilled workers in rural areas build their own permanent homes with financial aid of up to ₹2.5 lakh, marking a significant step towards improving living standards in rural Karnataka.
The scheme's core objective is to ensure that economically weaker families-especially from Scheduled Castes and marginalized groups-get access to safe, dignified housing. By providing most of the financial support directly, the government reduces the burden on poor families who otherwise struggle to arrange funds for construction.
Under this scheme:
The government provides a subsidy of ₹2.20 lakh,
While the beneficiary contributes only ₹30,000 towards the construction.
The amount is transferred directly to beneficiaries through Direct Benefit Transfer (DBT) in phased installments as construction progresses.
Empowerment through Housing: To help rural poor and marginalized families achieve self-reliance by owning a house.
Social Inclusion: To bring underprivileged sections like tanners, artisans, and low-income workers into mainstream development.
Improving Living Standards: Permanent housing will ensure better health, sanitation, and security for rural families.
Women Empowerment: In many cases, property ownership is registered jointly or in the woman's name, strengthening their financial independence.
Financial Grant: ₹2.20 lakh subsidy from the government.
Low Contribution: Only ₹30,000 to be paid by the beneficiary.
Complete Technical Support: Beneficiaries receive guidance at every stage of construction from local authorities and RGRHCL engineers.
Priority to Rural Poor: Rural families and skilled laborers from weaker sections are prioritized.
Improved Quality of Life: Access to permanent housing promotes stability and social dignity.
To qualify for the Free Housing Scheme 2025, applicants must meet the following conditions:
Must be a permanent resident of Karnataka.
Age should be 18 years or above.
The annual family income should not exceed:
₹32,000 for rural areas
₹87,000 for urban areas
Applicant's name must be registered on land or site ownership documents.
Should not have availed benefits from any other government housing scheme earlier.
No family member should be a government employee.
Applicants need to keep the following documents ready while applying:
Aadhaar Card
Caste Certificate
Income Certificate
BPL Ration Card
Labour Card (if applicable)
Property / Land Ownership Proof
Skill or Occupation Certificate (if any)
Recent Passport-size Photographs
Eligible citizens can apply either online or through Gram One Centers.
Visit the official website of the Rajiv Gandhi Rural Housing Corporation Limited (RGRHCL).
Select the "Dr. Babu Jagjivan Ram Housing and Ashraya Scheme" option.
Fill in personal and property details accurately.
Upload the required documents and submit your application.
After submission, note down the acknowledgment number for future reference.
Visit your nearest Gram One Center.
Provide your details and submit photocopies of the required documents.
The operator will assist you in completing the application process.
Once the application is verified and approved, the government transfers the subsidy amount directly to the beneficiary's bank account.
The Rajiv Gandhi Rural Housing Scheme is more than just a housing initiative-it's a social upliftment program. It helps marginalized families gain dignity, stability, and financial security through homeownership. The scheme also generates employment for local masons, electricians, and material suppliers, boosting rural economic activity.
Government data shows that thousands of families across Karnataka have already benefited from earlier phases of this initiative, transforming rural landscapes with durable, affordable homes.
The Free Housing Scheme 2025 offers a golden opportunity for poor families and rural artisans to fulfill their dream of owning a permanent home. With minimal paperwork and significant government support, this initiative stands as a symbol of inclusive growth and rural development.
Eligible citizens are encouraged to apply early through the official RGRHCL portal or visit their nearest Gram One Center to begin the process. A simple application today can help turn the dream of "My Own Home" into a reality.